Design And Implementation Of Credit Rating In Commercial Bank

Credit rating is an important business process of commercial bank.The traditional credit rating methods generally rely on the business people subjective judgment which caused the condition including methods relatively simple,the correct rate is not high,the execution of laws and regulation is not strict and the lack of objectivity and other issues.This article is designed and implemented a commercial bank credit rating management system based on the B/S and ASP.net framework.Firstly,we researched the current bank’s credit rating system and analysis their shortcomings,then consolidated and normalized the overall business process based on web technology,secondly,we provided the concept of relative parameter between the index and the correlation coefficient between index sets which can evaluate the result of the index sets that can be computed and then the better sets was chosen,then proposes an improved credit rating of AHP algorithm can effectively improve the accuracy of credit evaluation and objectivity;Thirdly we analyzes the demand analysis of project implementation,the project was design and implementation of the major part of the outline design and detailed design,and system modules are described;Finally,under the guidance of software engineering test methods and test theory,the project has been fully tested from multiple levels,in the process the test results and data have carried out a detailed analysis.The test results with the actual operation of the project shows that the project developed by the system is reliable and able to solve practical problems of the current credit evaluation work to improve the efficiency of credit evaluation and accuracy rate.At the same time,the risk of illegal financial is reduced.