信用风险内部评级系统的设计与实现要点详解.doc

摘 要 近些年来我国经济一直保持强进的势头高速发展，并为银行业带来了良好的契机，银行风险成为了不得不去考虑的问题,同时信息技术大跨步发展的近十几年,银行风险管理走上了信息化的道路，同时越来越向国际先进银行迈进。在信息资源整合、信用风险度量与监控预警、金融产品定价等方面，信用风险评级正起着不可估量的作用。 本文通过研究农商行的债务方面的运行需求,结合实际业务需要,将划定好系统整体需要实现的功能，对信用风险内部评级系统出现的实际情况做出判断，同时一用例图和用例的形式对系统里涉及到的功能板块做出描述。通过分析信用风险内部的评级系统功能需求，确定了系统实现技术及技术架构,系统采用B/S框架、J2EE技术、SQL Server2010数据库技术以及UML建模方法,实现了信用风险内部评级系统信息化。基于对系统功能的需求分析和对功能的架构设计,不仅研究系统功能的实现过程和实现方法,以及信用风险内部评级系统的功能版块都将得以确定,系统功能的具体实现方式为类图加时序图的形式。此外，也可以将部分具体功能最终效果在运行时进行展示，并用简单语言描述会用到的部分代码和系统功能系统功能测试用例。文末，将简单归纳总结信用风险内部评级系统的实现过程以及实现功能。 积极开发与探索信用风险内部评级系统,对信息技术在农商行风险管理中的运用有着重要促进作用,并且有助于农商行信用风险内部评级的水平。 关键词：风险、系统设计、SQL Server2010数据库技术B/S框架Abstract Nowadays ，Chinas economy is rapidly developing, and this has brought prosperity banking, bank risk becomes a problem had to be considered, on the other hand,information technology also develops a big step last decade, pushing the banks risk management information technology, and gradually narrow the gap with the advanced international banks. Credit risk rating in measurement of credit risk,and the risk’s early warning,information resources integration, pricing of financial products has played an important role. By running demand debt research agricultural businesses, considering business needs, and divide the overall system implementation functions, the achievement of the design of credit risk internal rating system, and by describing the case diagrams and use case with the function of the system involved module elaborate. According to the analysis of the requirements of internal credit risk rating system , we are going to use B/S framework, J2EE technology, SQL Server2010 database technology and UML modeling methodology of the internal credit risk rating system information. Through the system functional requirements analysis and functional architecture design, implementation and realization of identified functional modules internal credit risk rating system, research system function, and through the class diagram and timing diagram of the s