A Model of DNS- Based Bank Credit Risk Management System in Nigeria

摘要

This paper presents a model of a digital nervous system (DNS) based on bank credit risk management system (CRMS) in Nigeria. The DNS approach will enable the CRMS to capture credit risk information and provide it where it is needed for decision making and when it is needed. The system also features best tools that can be integrated to the CRMS such as score card system, Global Positioning System (GPS), and biometric-based identification detection, in order to effectively determine creditworthiness of a borrower and quantify banks exposure to credit risk through assessment of credit exposure for each customer and for each credit facility. It has been analyzed and designed with Unified Modeling Language (UML). The system makes possible the ready availability of more comprehensive Credit Risk Management information and this minimizes decision-making errors with respect to loans.