本文選題：商業(yè)銀行　切入點(diǎn)：信貸　出處：《吉林大學(xué)》2015年碩士論文

【摘要】：商業(yè)銀行(Commercial Bank)是由轄內(nèi)農(nóng)民、農(nóng)村工商戶、企業(yè)法人和其他經(jīng)濟(jì)組織共同入股組成的股份制的地方性金融機(jī)構(gòu)。通過(guò)建立銀行信用評(píng)級(jí)系統(tǒng)用于發(fā)現(xiàn)貸款的風(fēng)險(xiǎn)是商業(yè)銀行在規(guī)范業(yè)務(wù)過(guò)程中采取的最主要的技術(shù)手段。銀行信用評(píng)級(jí)系統(tǒng)將科學(xué)化、標(biāo)準(zhǔn)化、規(guī)范化的管理原則進(jìn)行開(kāi)發(fā),精準(zhǔn)地處理多種類型的商業(yè)銀行信息評(píng)級(jí)業(yè)務(wù),實(shí)現(xiàn)商業(yè)行信用評(píng)級(jí)系統(tǒng)業(yè)務(wù)流程規(guī)范化、日常辦公自動(dòng)化、客戶營(yíng)銷精準(zhǔn)化,并依托完善的大數(shù)據(jù)和商業(yè)智能技術(shù),實(shí)現(xiàn)信用評(píng)價(jià)體系、風(fēng)險(xiǎn)防控體系、科學(xué)決策體系的建立與優(yōu)化。銀行信用評(píng)級(jí)系統(tǒng)由四個(gè)子平臺(tái)構(gòu)成:數(shù)據(jù)管理平臺(tái)、信用評(píng)估平臺(tái)、綜合分析平臺(tái)和系統(tǒng)管理平臺(tái),通過(guò)建立這四個(gè)彼此獨(dú)立又相互聯(lián)系的平臺(tái),實(shí)現(xiàn)銀行信用評(píng)級(jí)業(yè)務(wù)處理的規(guī)范化。這四個(gè)平臺(tái)通過(guò)獲取大量的與銀行信用評(píng)級(jí)業(yè)務(wù)相關(guān)的數(shù)據(jù),進(jìn)行抽取、轉(zhuǎn)換、裝載,進(jìn)而進(jìn)行數(shù)據(jù)挖掘,為銀行的信用評(píng)級(jí)業(yè)務(wù)提供智能化支持。本論文的主要內(nèi)容包括:需求建模主要采用用例(Use Case)驅(qū)動(dòng)這一需求分析技術(shù)進(jìn)行,通過(guò)對(duì)銀行信用評(píng)級(jí)系統(tǒng)的外部使用者進(jìn)行需求分析與用例建模,研究系統(tǒng)需求的獲取、分析與驗(yàn)證的過(guò)程;體系架構(gòu)設(shè)計(jì)通過(guò)研究計(jì)算分布、數(shù)據(jù)集中、高并發(fā)系統(tǒng)等體系架構(gòu)設(shè)計(jì)方面的理論和方法,進(jìn)行銀行信用評(píng)級(jí)的體系架構(gòu)的設(shè)計(jì);數(shù)據(jù)庫(kù)架構(gòu)設(shè)計(jì)對(duì)銀行信用評(píng)級(jí)系統(tǒng)的數(shù)據(jù)庫(kù)架構(gòu)模式進(jìn)行分析,并采用相應(yīng)的拆分規(guī)則解決系統(tǒng)數(shù)據(jù)安全及數(shù)據(jù)庫(kù)效率問(wèn)題;概要設(shè)計(jì)通過(guò)對(duì)并發(fā)控制、事務(wù)控制、程序流程圖設(shè)計(jì)的基本思想的原則對(duì)銀行信用評(píng)級(jí)系統(tǒng)進(jìn)行設(shè)計(jì);系統(tǒng)實(shí)現(xiàn)通過(guò)運(yùn)用Java語(yǔ)言、以及spring3、ibatis等開(kāi)源框架、SQLSERVER、weblogic實(shí)現(xiàn)銀行信用評(píng)級(jí)系統(tǒng);目前商業(yè)銀行信用評(píng)級(jí)系統(tǒng)已經(jīng)上線運(yùn)行,已經(jīng)取得了預(yù)期的效果,為減輕銀行的信用風(fēng)險(xiǎn)提供了可靠的依據(jù)。
[Abstract]:Commercial Bank is made up of farmers, rural industrial and commercial households, A joint-stock local financial institution in which corporate persons and other economic organizations have a joint stake. The most important step taken by commercial banks in standardizing their business is to establish a bank credit rating system to detect the risks of loans. Bank credit rating system will be scientific, Development of standardized, standardized management principles, accurate handling of various types of commercial bank information rating business, standardization of business process of commercial bank credit rating system, routine office automation, accurate customer marketing, Based on the perfect big data and business intelligence technology, the credit evaluation system, the risk prevention and control system and the scientific decision-making system are established and optimized. The bank credit rating system is composed of four sub-platforms: data management platform, credit evaluation platform, and so on. The integrated analysis platform and the system management platform, through the establishment of these four independent and interrelated platforms, These four platforms extract, transform and load a large amount of data related to bank credit rating business, and then carry out data mining. The main contents of this paper are as follows: use case case is used to drive the requirement analysis technology. Through the requirement analysis and use case modeling of the external users of the bank credit rating system, the process of obtaining, analyzing and verifying the system requirements is studied. The theory and method of architecture design of high concurrent system, the design of the system architecture of bank credit rating, the design of database architecture, the analysis of the database schema of bank credit rating system, The corresponding split rules are adopted to solve the problems of data security and database efficiency, and the bank credit rating system is designed based on the principles of concurrency control, transaction control and program flow chart design. The system realizes the bank credit rating system through the use of Java and SQL Server WebLogic, which is an open source framework such as spring3 / ibatis. At present, the credit rating system of commercial banks has been put into operation and has achieved the expected results. In order to reduce the credit risk of the bank to provide a reliable basis.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：TP311.52

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本文編號(hào)：1679015