Comprehensive Evaluation Based On Fuzzy Theory Of Credit In The Bank Credit System Applications

Along with the increasing of the bank's business development, credit operations of commercial banks have gradually become a major focus. Against the not much different customers, the banks's decision to loan business for which, the amount and so on, this has become a very important issue. Since each type of customer's credit status and personal situation are greatly different, giving different customers a credit evaluation has become more complex, and we are facing many new difficulties.The indicators of the credit factors identified with the customer on the differert industry area, at the same time, most indicators are difficult to quantify by the specific value, so generaly they can only be roughly estimated that the judgment are good or bad,,thus, most of the time there are a lot of ambiguous. Such a rating is not enough for customers, meanwhile the existence of errors would be a certain risk to the credit of the establishment .This paper's starting point bases on the fuzzy issues of credit factors , we will do many research and development, and build credit evaluation method and system.In this paper,we use fuzzy comprehensive evaluation of the fuzzy math on bank customers to make credit evaluation. On the basis of the theory of fuzzy maths, we analyze the unique characteristics of the bank credit customers, and design the customers'credit Comprehensive Assessment System for the bank. In this system, on the basis of detailed information on credit, we make analysis and give calculation. In this way, we have each credit factors'indicators which also is the weight attached to that target, and then under the fuzzy math of the comprehensive evaluation theory, there will develop the judged numerical result. And it corresponds to the appropriate level of reviews, according to credit evaluation results to determine targets.Finally, considering the characteristics of the banking business, the system designing, use J2EE technology and related ideological framework, we made implementation of the entire design.