本文選題：商業(yè)銀行信貸 + 風(fēng)險預(yù)警　； 參考：《天津大學(xué)》2016年碩士論文

【摘要】：隨著國際金融市場一體化的發(fā)展,商業(yè)銀行信貸管理方式發(fā)生了重大的變化。銀行信貸管理是商業(yè)銀行核心業(yè)務(wù),也是銀行利潤的主要來源。伴隨著商業(yè)銀行信貸管理風(fēng)險的增加,只有采用使用的先進(jìn)的管理模式,采用先進(jìn)的預(yù)警機(jī)制才能實(shí)行科學(xué)化和規(guī)范化信貸業(yè)務(wù)的管理,減少信貸風(fēng)險爆發(fā)的概率。本文首先介紹了商業(yè)銀行信貸管理研究背景,通過國內(nèi)外現(xiàn)狀對比,對我國信貸業(yè)務(wù)管理中存在的問題進(jìn)行了分析,從而引出研宄該系統(tǒng)的意義。通過需求分析說明了論文的研究內(nèi)容和軟件中關(guān)鍵技術(shù)的應(yīng)用形式,進(jìn)而對論文的系統(tǒng)設(shè)計原則、系統(tǒng)結(jié)構(gòu)及系統(tǒng)功能模塊進(jìn)行了詳細(xì)論述。論文以信貸管理軟件平臺設(shè)計核心,以模塊化的方式進(jìn)行設(shè)計,平臺分了信用獲取模塊,客戶信息模塊,貸款審批模塊和貸后管理模塊,滿足了信貸風(fēng)險管理的需求,對信貸數(shù)據(jù)進(jìn)行統(tǒng)一化管理,對數(shù)據(jù)的管理也體現(xiàn)了對系統(tǒng)流程的管理。論文中以預(yù)警風(fēng)險技術(shù)為新技術(shù)的創(chuàng)新在軟件平臺中實(shí)現(xiàn)了對信貸風(fēng)險預(yù)警功能的實(shí)現(xiàn),從風(fēng)險度量的計算,企業(yè)預(yù)期違約概率計算,平均預(yù)期平均賠付率計算等角度分析預(yù)警指數(shù),使銀行在進(jìn)行信貸風(fēng)險評估的過程中能夠有足夠的依據(jù)判斷風(fēng)險發(fā)生的概率。系統(tǒng)根據(jù)銀行系統(tǒng)海量數(shù)據(jù)的實(shí)時處理特點(diǎn),采用了性能優(yōu)異的服務(wù)器作為軟件平臺的運(yùn)行環(huán)境,對銀行信貸風(fēng)險管理軟件系統(tǒng)進(jìn)行了整體性的功能測試和性能測試,從整個結(jié)構(gòu)上看來設(shè)計清晰,性能滿足設(shè)計要求。
[Abstract]:With the development of the integration of international financial market, great changes have taken place in the way of credit management of commercial banks. Bank credit management is the core business of commercial banks and the main source of bank profits. With the increase of the risk of credit management in commercial banks, only by adopting the advanced management mode and adopting the advanced early-warning mechanism can the management of credit business be scientific and standardized, and the probability of credit risk breaking out can be reduced. This paper first introduces the research background of credit management of commercial banks, analyzes the problems existing in the management of credit business in our country through the comparison of the present situation at home and abroad, and then leads to the significance of studying the credit management system. The research content and the application form of the key technology in the software are explained through the requirement analysis, and then the system design principle, the system structure and the system function module are discussed in detail. The design core of credit management software platform is designed by modularization. The platform is divided into three modules: credit acquisition module, customer information module, loan approval module and post-loan management module, which meet the demand of credit risk management. Unified management of credit data, data management also reflects the management of the system process. In this paper, we use early-warning risk technology as the new technology innovation to realize the function of credit risk warning in the software platform, from the calculation of risk measurement, the calculation of enterprise expected default probability. In order to make the bank judge the probability of risk in the process of credit risk assessment, the paper analyzes the early warning index from the angle of calculation of average expected average loss rate, and makes it possible for banks to judge the probability of occurrence of risk in the process of credit risk assessment. According to the real-time processing characteristics of the massive data of the banking system, the system adopts the excellent performance server as the running environment of the software platform, and carries on the integral function test and the performance test to the bank credit risk management software system. From the whole structure, the design is clear and the performance meets the design requirements.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：TP311.52

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