| With the expanding of banking business and promoting of the building of electronic, banking system's financial safety and business development contradictions are more and more sharpening, how to protect the bank's financial security has become an important issue of hindering the development of the banking industry. Network Firewall, DNS and some electronic certification, safety-certified products can effectively prevent banks from outside the illegal invasion, but it does not work for the inside financial crime of the banks. It is because that the internal legal staff can be intrusive to the bank as the completion of the criminal process within the system. So, in this way, financial security has become a major problem of commercial banks which are required to be solved. With the realization of data integration of the Agricultural Bank of China, the security issues have become more prominent.In this situation, Agricultural Bank of China developed a set of financial security system--- Accounting Risk Monitoring System Accounting Risk Monitoring System is a set of security software product which is developed by Agricultural Bank of China. The system is a risk early-warning monitoring evaluation platform which is based by the full recognition of the risk characteristics and the judgment of the inherent logical law of them, through the real-time transaction data screening and the parameters set by the rules. It is an intelligent information system which supports day-to-day monitoring and regulating the supervision of the business processes. In this paper, I will introduce the designing and implementation of the real-time warning module of Accounting Risk Monitoring System.There are some technical difficulties in the designing and implementation of the Accounting Risk Monitoring System. First, development and the implementation of the project should be completed under the network and development platform resources of Agricultural Bank of China. Second, the implementation of the project should not affect the function of the current running of the Agricultural Bank of China Integrated System(ABIS System). Third, summarizing the case, finding out the common point, then design rational structure of the monitoring process.As Accounting Risk Monitoring System is an extension of ABIS system, the designing of data structure is based on ABIS system. It avoids the diversity of the account monitoring leads to the designing difficulties. In accessing the business data part, the system accesses real-time business data and sends to the mainframe of Accounting Risk Monitoring System by adding a server in front-end of ABIS system. Although this kind of designing increase the cost, it makes the smallest impact to the system, and guarantee the safety of the main business of Agricultural Bank of China. For real-time business data analysis, the analysis of layers is used as the main method. First, through some of the common elements of the cases, it initially filters the real-time operational data. Then, it inspects the model case one by one according to various cases. Finally, the operational data will be registered.I analyzed the risks of accounting supervision of the Agricultural Bank and the issues of the legacy systems, explained the business objectives, operational environment, requirements analysis, and designing principles. I also introduce the system design and detailed design of the system. I design and implement the real-time warning module and testing 32 model cases.Real-time warning module is a functional module which screens, analyses and assess the risk of the real-time data. The data source is the real-time integrated business system data. After data type conversion, the data will be formatted interception, and through the code, and other elements of the transaction Comparative data filtering out part of this part of data and data-filled and then screened in this part of the data through rules and case model filtration, and ultimately selected fringe early-warning data and accreditation.Because internal crime is the focus of financial regulatory system prevention, it is important to analyze the internal economic cases. Through the analysis against a variety of ways and processes of the economic cases of Agricultural Bank which happened in these years, we design the models against these cases. Case model is an important component of warning module; it is the final module of real-time data. As there is a large number of case models, I will only give a brief introduce to the designing and implementation of the following models: "non-business hours account group generation", " track record of group accounts generation ", "single account card information and special safeguard business transactions of real-time reasonable analysis".After Accounting Risk Monitoring System gone live in Agricultural Bank of China, it monitors about 150,000 business data everyday. Through systematic monitoring and artificial inquiries, 35 problem transactions (including negligence operation) are found in five months. It implements the real-time monitoring of the financial risk and timely and effectively protects the security of bank accounts. |
