The Electronic Banking System

In the last few years, along with the enhancement of our country inhabitant income level and the development of state economy, the living standard of inhabitant and the ability of expense obtained the very big promotion.the consumption credit ,as one effective financing method, more and more becomes a good choice that consumer solve the current expense fund short time. thus the marketing demand enhances largely. with expanding demand of government macroeconomic policy formulation, consumption credit operation also enter the fast growth stage .Cuts off in at the end of June, 2004, the complete individual consumption credit within the boundaries is 17952 hundred million Yuan, account for 10.6% in complete financial organ total credits .However, because consumption credit business of our country is only more than ten years history, consumption credit at our country start lately ,so related mechanismand laws need establishment with completely . thus,commercial bank faces many risks .Therefore, the commercial bank should strengthen the research of a individual consumption and preventcredit risk effectively.According to the concrete state of our country, This paper establish commercial bank individual consumption credit system, for which provide decision of data support and accurate of estimate thecredit risk degree.The writer studied domestic and international personal consumption credit present condition, and study local existing consumption credit model in china.Using a great deal of personal data on this foundation and adopting data mining, This paper set up the valuation model of the individual consumption credit with discriminant analysis method and decision tree method.This modelcarry on a classification to the customer's reputation grade andestimate, and provide decision support for the commercial bank on consumption credit risk.This paper divides into four chapters:Chapter 1 mainly studies the development of present situation of the domestic and foreign individual consumption credit. First,This paper analyzed the characters and the present situation of various countries consumption credit, and made the type introduction about various countries' individual consumption credit. Then Paper analyzed the development,the present situation, the question of individual consumption credit in our country.Chapter 2 elaborated foundation theories of data mining and show it's application in the commercial bank.First, Introducted the role of data mining and process standard, then elaborated some techniques related to data mining. such as decision tree method, discriminant analysis method and Nerual Net etc..Finally, the necessity explained data excavation to make use of in the commercial bank in the consumptioncredit.Chapter 3 is a textual core.It is mainly elaborate the design process with the credit loan subsystem of individual consumption.This chapter introduced the system target, main function and development environment first, then introduced the business process of thefunction structure of the system, and usage data mining method deal the original data, build up consumption credit grade valuation model. This chapter mainly used SPSS 14.0 to carry on customer categorize and credit grade with the discriminant analysis and decision tree method.Chapter 4 carried on an overall appraisal to the overall system as the conclusion chapter of entire paper.It pointed out the system limitation and the corresponding improvement opinion.Then, It pionted thesystem further improvement work.