Design And Implementation Of Bank Credit Risk Monitor Management Platform

Scandal of colleagues stealing the money of bank was constantly exposed these years. As the business process became more and more automatic, complex and relying on the information technology, the internal audit is more and more complicated consequently. Financier said that if internal audit can take effort, 90% loss of commercial bank would be avoided and a series of risk would be controlled either. But how to monitor the risk at any moment and how to control the risks at a specific range are really challenges for the innovation of internal audit.Though the State-owned banks have a long way to go to reach the advanced level of risk monitor, it has been thought much gradually. We recognized that one of the primary responsibilities of internal audit is checking, evaluating and reporting the sufficiency and validity of risk manage process by risk manage methods and risk control measure. The internal audit also needs to propose suggestions that are helpful to managers and audit committee. However, the internal auditor organization just starts to join the risk monitor, so it needs a process to develop, from useless to significant. By means of risk clue, warn and monitor, we can eliminate the risk in the embryonic stage, so as to avoid or lower the destruction to the banks. Anyhow, establishing the risk monitor platform indicates the beginning of risk control, and also illuminates that its effect is very important obviously. The monitor platform analyses the potential risks in the bank, it introduces credit data mart and comprehensive credit risk monitor of business thought. In the technical point of view, the system uses the J2EE (JSF + Spring + Hibernate) framework technology, and gets an extensible application solution with component technology, the technical feature of the system is easy to carry out, loose coupling and highly scalable. We use ORACLE in data storage and use COGNOS in data exhibition. In the theory application of view, risk monitor platform is based on the bank risk and multi-directional monitor of "best practice", it emphasizes flexibility and standardization to improve the use of the management system.This paper bases on the idea of software engineering. It describes the process of implementation of the monitor system from requirement analysis, framework design, database design, developing environment deployment and programming testing, it also offers design and integration measure for the bank risk monitor platform.