Application Of Web Information Extraction In Commercial Bank Credit Risks Supervisory System

To commercial bank, the profit comes from the revenue of managing risks. How to break the boundary between banks? It is the most urgent problem to share the risk information of customer and have a whole view about the risk of some customer. With the development of internet and web technology, huge basic information of customer is available online. How to make use of this information is a worthy subject to study.In this paper, I study the web technology of information gathering based on XML, which is used in the daily work of commercial bank. I do further study on the efficiency of data gathering and searching. The major work is to research the web technologies, including XML technology, data mining theory, web information gathering technology, web page abstraction technology and web information searching technology. To meet the requirement of commercial bank and the feature of XML technology, I implemented following functions, including information gathering from detailed customer information of known web system, web page parsing, web data sampling and web data cleaning, web data service. I realized the one stop service of customer so that the commercial bank could monitor risks by forecasting instead of post-reaction. I also implemented the automatic early warning function, which improve the capability of bank analysis and risk management.The risk monitoring system of commercial bank can handle all huge customer information on web systems. We can make full use of the data by gathering, mining, cleaning and analyzing. The system breaks the boundary between banks. It also enables information sharing so that we can get a whole view about the risk of some customer. In the application of commercial bank, web data gathering technology will make much more benefits.In the view of technology maturity and urgent requirement, web data gathering technology has its feasibility and necessity. The research has combined actual requirement with theory and finds out the benefits and impacts of web data gathering technology in customer risk monitor of commercial bank. Finally, hope the paper can also give some reference to the researcher in the field.