The Application Of CWM In Bank Risk-Alerting System

With the improvement of information and technology and the acceleration of world economic integration, all banks focus on risk management. And setting up risk-alerting system becomes one of the safeguards of smooth development of every bank.The first step of setting up a bank risk-alerting system is to choose some indicators reflecting the characters of risk in bank. The following is to decide the alerting critical value and allocate the weight in the indicator architecture. Finally, to process the indicators and draw out the risk levels which is shown by signal lamps.So far the risk-alerting system is mainly implemented by the technology of BI(Business Intelligence).And the definition and calculation of all indicators are processed in the procedure of ETL(Extract Transform Load),and it results in the following problems.1. Flexibility is poor, for the alerting rules are flexible and can't change with the various alerting conditions.2. The range of application is small, for the system aims to some object and can't be adopted by other enterprises.3. Extensibility is poor, for the definition and calculation of all indicators is preset, and it leads to the modification of indicator architecture very...