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The Research and Design of the Bank’s Internal Rating System

Author: WangWenQing
Tutor: LiQingZhong
School: Shandong University
Course: Software Engineering
Keywords: IRB Inter Rating Base Credit Card behavioral score Database partition Parallel computing model
CLC: TP311.52
Type: Master's thesis
Year: 2009
Downloads: 27
Quote: 0
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Abstract


This topic will focus on the internal credit rating system in the credit card behavioral score. In recent years, China’s consumer credit industry is flourishing. In the credit card field, the size of the credit economy is prospering. In the consumer credit business behind the huge earning potential, but also bears great risks, especially credit risk. We can not eliminate risk, but we have the scientific means to accurately assess the risk, the correct strategy to effectively control risk. In the new Basel Capital Accord, in regard to credit card consumer credit rating within the proposed requirements of the law requiring banks to the regulatory capital levels must be the risk level of their credit assets, in particular, closely linked to the credit risk level. To measure the level of credit risk of credit assets, the fundamental basis for the internal ratings-based approach to compare the typical rating means that the credit scoring model is to establish a risk-based rating system.Effective way to predict the future is to analyze the history, China’s commercial banks after 10 years of information technology has been accumulated from a variety of management systems a large number of business data, which is precisely the basis for the implementation of internal rating systems. Internal rating system from the IT perspective is a large-scale data analysis system. Credit Card behavioral score huge amount of data, the national joint-stock bank credit card issuing volume of 10 million level. Demanding on the database, the widespread use of large commercial database, oracle, db2, informix, and installed in the minicomputers, and partitional stored in the disk array; In the system development, the system efficiency is important, if the system architecture to consider not thoughtful, it is difficult to complete within the allotted time computing tasks, Based on these characteristics, the system uses parallel computing model, operating environment for UNIX systems, system development using the C language with the efficiency advantage.This topic will examine the Component-based development of ideas to use C language to develop a credit behavior scoring system, On the one hand, design a bus scheduling procedures; On the other hand, according to the ideological division of credit card behavior of component-based scoring functional modules.

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CLC: > Industrial Technology > Automation technology,computer technology > Computing technology,computer technology > Computer software > Program design,software engineering > Software Engineering > Software Development
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