A Study on the Development of a Case-Based Credit Risk Management System of Korean Commercial Banks-Object-Oriented Approch

국내 금융기관의 사례기반 신용위험관리시스템의 개발에 관한 연구 - 객체지향적 접근

We proposed a framework for computer-supported credit evaluation systems for the effective management of credit risks in Korean commercial banks. Especially for medium and small sized companies, credit evaluators used to depend much on past experience rather than formalized principles and rules. Therefore, we applied case-based reasoning. The credit grade of a company is roughly determined by searching for alreadygraded similar companies in terms of usually accepted evaluation items. And then the grade is refined and adjusted by considering additional information about exceptional facts or by reflecting other evaluation results from different methods or techniques. Booch's object-oriented analysis and design method, Visual Basic 5.0 and MS Access 97 are used for the development of this prototype system.