基于知识管理的信贷风险管理系统研究

在分析商业银行信贷风险管理现状的基础上,结合G银行的实际,阐述了知识管理在信贷风险管理中的应用;采用分布式搜索技术和数据挖掘技术实现显性知识的获取,同时采用基于事例推理方法实现隐性知识的获取;构建了由用户层、服务层、数据库层、知识资源层四层构成的开放性知识管理系统;提出了知识管理系统实施中需要注意的问题。

Credit Risk Management System Based on Knowledge Management

Based on the analyzing the current status of the banks' credit risk management,and linked with the practice of the G bank,the paper discusses the application of the knowledge management in the credit risk management.Adopting the distributed searching technology and the date mining technology the paper realizes the obtaining of the explicit knowledge,and adopting the paper also realizes the obtaining of the tacit knowledge adopting the illation method based on the instance.The paper builds an open knowledge management system composed of four levels of customers level,service level,database level and knowledge resource level and points out the problems need be paid attention to during the implementation of the knowledge management system.