The System Of The Bank Onstage Operation Risk Centralism Supervises And Prevents

In recent years, with the deepening constantly of reform in banking system of our country, the important case takes place in succession to but the state-run commercial bank, not only has caused enormous fund losses to country but also damaged the social image of the commercial bank and business reputation seriously. Analyze the reason why these cases take place, has operated the risk case and occupied the majority in stage business of the bank, so how to take precautions against the risk of operating of the front desk and already become an extremely urgent important task of state-run commercial bank effectively. Every commercial bank has operated the risk and made a series of rules and regulations for the front desk of supervision and precaution at present, efforts and frequentness of strengthening the business of the front desk and checking, have received certain effect, but because majority it checks to be or person who assault, it is very difficult to stop up loophole, and the electronic intensity of banking and concentrating intensity of melting higher and higher from source, have added very great difficulty to site inspection too, So must set up a front desk and operate the risk and concentrate on supervising and preventing the electronic system, carry on supervision to some business risks of the front desk, carry on prewarning to the possible risk in time, could improve and operate the validity that the risk takes precautions against, achieve the goal of finding the risk and preventing the risk in time.The development bank onstage operation risk centralism supervises and prevents the system the basic guiding ideology is through the establishment centralism surveillance center, the realization synthesis service backstage early warning management, the operation new pattern, carries on the comprehensive verification using the computer method to the onstage service running water and the bookkeeping report form document, to the risk which possibly exists promptly carries on the early warning, has the destination in view of the discovery question the material or the service scene carries on the inspection to primitive accountant, achieves the risk guard the goal .The system through to related data screening, has pointed carries on the early warning, both enhanced the risk surveillance and the guard validity, and reduced supervisor's working pressure, simultaneously will be systematic effectively transports about to can accumulate the mass datas for the next risk guard work, further has developed the system application prospect.This article analyzed has researched and developed the bank onstage operation risk centralism to supervise and to prevent the system the background, had determined the topic research main content and the scope, using the software engineering life cycle method thought, through to the bank onstage basic service concrete analysis, had pointed out the service risk spot, has established the system overall structure, and has carried on the concrete functional description to each administration module. Then has carried on the system overall plan and the detailed design (various functions module, database, data connection and so on); Specifically discussed several key questions which in the system research and development process meets; Described the system realization process; Propose testing the principle to the system, provide the method of testing, has described the step of testing and tested the course entirely, it is explained that the running situation to the system is entered; Summarized the systematic research and development and explained the next thinking of expansion finally.