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摘 要
随着我国改革开放和市场经济的进一步发展，国有商业银行信贷资产,质量持续下降，信贷风险不断上升。目前，在分析商业银行信贷管理问题时，多将重点放在风险分析上,从而忽视了作为评判企业按借款合同偿还贷款本息的意愿和能力的信贷管理工作--信用分析。贷款的成败和信贷资产的质量很大程度上取决于信用分析是否科学可靠和信用分析工作是否完善健全。
本设计采用的信用分析原理来自西方商业银行，西方普遍采用信用分析系统, 效果显著。本文描叙了商业信贷管理分析系统中客户智能模块(信用分析)的设计和实现，从企业和个人两种不同的客户类型分析了影响客户信用分析的各种因素。并以此为基础,开发设计了智能评估模块,以帮助商业银行提高信贷资金使用率,信贷资产质量。
本文从信用分析在商业信贷管理的作用开始阐述,介绍了信用分析的重要性和影响信用等级评定的各个因素。个人信用等级通过个人基本信息进行评定，企业信用等级则通过企业的财务资料和非财务资料进行综合评估。
通过信用分析,商业银行负责人能够客观的了解企业或个人的实力大小和还款能力,从而判断借款人的信用程度的高低, 减少呆帐逾帐和信贷资金的流失。由于项目近期上线,尚不能看到其明显效果。

关键词：商业银行，信贷管理，信用分析，信用等级

Commercial Bank Credit Management Analysis System Customer Intelligence Assessment Module Design and Implementation

Abstract
With China's reform, opening up and the market economy develops further， State-owned commercial bank credit asset quality continued to decline, rising credit risk. Currently, in the analysis of the commercial bank credit management issues, more focus on risk analysis, thus ignored by enterprises eva luating loan contracts to repay the principal and interest of loans will and capacity management of the credit -- credit hours Analysis. The success of loans and credit assets depends to a large extent on the quality of credit analysis is scientifically reliable and whether credit analysis integrity.
The design of the credit analysis from the tenets of Western Commercial Bank, Western commercial banks generally use credit analysis system, obviously. This paper describes the analysis of commercial credit management system customer’s intelligent module (credit analysis) design and implementation. Enterprises and individuals from two different types of customers affected customer’s credit analysis of the factors. And on this basis, the development of intelligent design eva luation module to help commercial banks raise funds to credit utilization, the quality of credit assets.
This paper from the credit analysis in commercial credit management role began to elaborate, introduced a credit analysis of the importance and impact of credit ratings of various factors. Personal credit rating through basic personal information is assessed. Corporate credit rating through the financial information and non-financial information for comprehensive assessment。
Through credit analysis, Commercial banks can objective understanding of the business or individual strength size and repayment ability. Thus judge the borrower's credit rating to the level of bad debts over to reduce the incidence of accounts and credit losses. Due to the recent item on the line, he still can not see the obvious results.

Key Words: Commercial banks, Credit management, Credit analysis, Credit rating

目 录
1．绪论1
1.1 课题背景及目的1
1.2 国内外状况1
1.3 开发环境及关键技术3
1.3.1 开发环境3
1.3.2 MVC 模式和Struts 框架4
1.4 本文结构7
2．信用分析的原理及作用8
2.1信用分析原理概述8
2.1.1 个人信用分析原理8
2.1.2 企业信用分析原理8
2.2 信用分析的作用9
3．个人信用等级评估12
4．企业信用等级评估13
4.1 企业信用等级评估组成13
4.2 财务信息评估13
4.3 非财务信息评估16
4.4 综合评估21
5.参数维护23
5.1 行业维护23
5.2 财务综合评分标准维护25
5.3 非财务行业评分标准维护25
总 结27
致 谢28
参考文献29

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