信用评级系统总结.doc

专业学位（硕士）论文 论文题目: 信用风险内部评级系统的设计与实现 作 者: 蒙 伟 专 业: 工程硕士(软件工程领域) 研究方向: 软件工程 指导教师: 刘钦 副教授 2015年月 日 学 号： M论文答辩日期： 年 月 日 指 导 教 师： （签字） 2015年月  Design and implementation of internal credit risk rating system Meng，wei Submitted in partial fulfillment of the requirements for the degree of Master of Engineering Supervised by Associate Professor Liu Qin Software Institute NANJING UNIVERSITY NANJING, China Dec, 2015 摘 要 我国的经济在过去几十年的飞速发展，带来了银行业的繁荣，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，推动了银行风险管理的信息化，并逐步缩小了与国际先进银行的差距。信用风险评级在信息资源整合、信用风险度量与监控预警、金融产品定价等方面发挥着重要的作用。 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，对系统整体实现功能进行划分，设计信用风险内部评级系统的实现情况，并通过用例图及用例描述对系统中所涉及到的功能模块进行阐述。根据对信用风险内部评级系统功能需求分析，确定了系统实现技术及技术架构，系统采用B/S框架、J2EE、SQL Server2010数据库技术以及UML建模方法SQL Server2010数据库技术B/S框架Abstract Chinas economy in the past few decades of rapid development, has brought prosperity banking, bank risk becomes a problem had to be considered, as well as the development of information technology 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 information resources integration, credit risk measurement and monitoring and early warning, pricing of financial products has played an important role. By running demand debt research agricultural businesses, combined with the actual business needs, the overall system implementation functions to be divided, 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 an internal credit risk rating system functional requirements analysis, system implementation technology and technical architecture, the system uses B/S framework, J2EE technology, SQL Server2010 database technology and UML modeling methodology of the internal credit risk rating system information. Throug