【摘要】：金融業(yè)是當(dāng)前發(fā)展速度較快的行業(yè),銀行作為金融業(yè)的主流產(chǎn)業(yè)已經(jīng)開啟了全球化經(jīng)營(yíng)和市場(chǎng)化的經(jīng)營(yíng)模式目標(biāo)前進(jìn)。信貸是銀行的主營(yíng)業(yè)務(wù),也是其實(shí)現(xiàn)盈利的主要渠道,但還承擔(dān)著貸款不還、死賬呆賬等重大風(fēng)險(xiǎn)。其中信貸業(yè)務(wù)的主要面對(duì)群體是個(gè)人的信貸業(yè)務(wù)情況,它的主要特點(diǎn)是利潤(rùn)豐厚,不用占據(jù)更大的資本消耗,在信貸業(yè)務(wù)的份額中所占比例很大。隨著銀行個(gè)人信貸業(yè)務(wù)量的節(jié)節(jié)攀升,作為銀行下設(shè)的網(wǎng)點(diǎn)規(guī)模也在隨著需求的增加而逐步增加,其業(yè)務(wù)和信息等重要參數(shù)的管理就會(huì)面臨著更多的問題,這些存數(shù)在銀行管理系統(tǒng)上的重要信息因其重要程度的差別會(huì)設(shè)定不同層面的查詢?cè)试S。此外,隨著業(yè)務(wù)種類的不同,信貸的業(yè)務(wù)流程也會(huì)進(jìn)行必要的調(diào)整,這樣就會(huì)對(duì)銀行信貸數(shù)據(jù)安全提出新的更高的要求。同時(shí),隨著銀行與其分支機(jī)構(gòu)聯(lián)系的日益緊密,它們之間的信貸信息交互也在不斷增多,信貸信息系統(tǒng)本身存在的安全隱患不斷顯現(xiàn),給銀行帶來巨大的風(fēng)險(xiǎn)。所以,設(shè)計(jì)開發(fā)一款規(guī)避上述風(fēng)險(xiǎn),更加安全穩(wěn)定的個(gè)人信貸風(fēng)險(xiǎn)管理系統(tǒng)十分必要,也將是具有劃時(shí)代意義的完善和革新。本論文以ZY銀行為藍(lán)本,對(duì)其個(gè)人信貸管理系統(tǒng)進(jìn)行全方位的解剖研究,深入闡述了研發(fā)這款系統(tǒng)的相關(guān)背景、目的、意義和現(xiàn)狀,對(duì)其設(shè)計(jì)目標(biāo)、發(fā)開方法以及技術(shù)架構(gòu)進(jìn)行了重點(diǎn)論述和說明。對(duì)該系統(tǒng)的市場(chǎng)前景作了深入客觀的分析,詳細(xì)介紹了系統(tǒng)的業(yè)務(wù)前景,以及其自身具備的相關(guān)功能和系統(tǒng)內(nèi)部運(yùn)行環(huán)境需求等,并通過用例圖進(jìn)行了重點(diǎn)分析和描述。在本款系統(tǒng)設(shè)計(jì)中,體現(xiàn)了整體設(shè)計(jì)與模塊設(shè)計(jì)相結(jié)合的方式進(jìn)行,整理劃分出信貸管理、審批、發(fā)放、貸款等功能模塊,并通過包圖、類圖、流程圖等一系列圖表,對(duì)系統(tǒng)設(shè)計(jì)進(jìn)行了深入陳述,還利用實(shí)體類圖、E-R圖和相關(guān)表格圖例對(duì)系統(tǒng)進(jìn)行了全面設(shè)計(jì);論文還對(duì)指出了系統(tǒng)當(dāng)前不能克服的缺陷做了說明,并對(duì)系統(tǒng)的未來研究方向提出了建設(shè)性意見。
[Abstract]:As the mainstream industry of financial industry, banking has started the goal of globalized management and market-oriented management mode. Credit is the bank's main business, but it is also the main channel for profit, but also bear the risk of non-repayment of loans, dead debts and other major risks. Among them, the main face group of credit business is individual credit business, its main characteristic is that it is rich in profits, does not need to occupy more capital consumption, and accounts for a large proportion of credit business share. With the bank's personal credit volume rising, the size of the bank's branches is also gradually increasing with the increase of demand, and the management of its business and information and other important parameters will face more problems. The important information of these deposits in the bank management system will set different levels of query permission due to the difference in their importance. In addition, with the different types of business, the business process of credit will be adjusted as necessary, which will put forward new and higher requirements for the security of bank credit data. At the same time, with the increasingly close connection between the banks and their branches, the exchange of credit information between them is also increasing, and the hidden dangers of the credit information system itself appear constantly, which brings great risks to the banks. Therefore, it is necessary to design and develop a personal credit risk management system which avoids the above risks and is more secure and stable. It will also be an epoch-making improvement and innovation. This paper, based on ZY Bank, makes a comprehensive anatomical study of its personal credit management system, and expounds the background, purpose, significance and present situation of the research and development of the system, as well as the design objectives of the system. The development method and technical framework are discussed and explained in detail. In this paper, the market prospect of the system is analyzed deeply and objectively, and the business prospect of the system is introduced in detail, as well as the related functions of the system itself and the requirements of the internal operating environment of the system, and the emphasis is analyzed and described through the use case diagram. In the system design of this section, it embodies the combination of the overall design and the module design, sorting out the functional modules such as credit management, examination and approval, granting, loan and so on, and through a series of diagrams such as package diagram, class diagram, flowchart, etc. The design of the system is described in depth, and the system is designed in an all-round way by means of entity class diagram, E _ (R) diagram and related table diagram. The paper also points out the defects that the system can not overcome at present, and puts forward some constructive suggestions on the future research direction of the system.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：TP311.52

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本文編號(hào)：2460774