Qilu Bank Risk Monitoring System Of Risk Early Earning System Design And Implementation

With the domestic, international financial market development and expansion of financial business, the scale and variety also has undergone changes and turn the world upside down, but the risk which the commercial bank faces also increasingly diverse, complex, dangerous. In the face of change rapidly banking risk management approach, original monitoring method has been unable to correct, timely discovery of risk, thus leading to commercial banks in the increasingly fierce competition in the market and commercial operation of the process has always been in a passive position. The establishment of a comprehensive risk monitoring system the necessity is highlighted particularly, the comprehensive risk management system construction is the culture of risk management, risk management ability is progressively and normative, progressively promotion process, but also the risk control from qualitative analysis to quantitative calculation of the process. Through the risk system could enrich the risk management means and method to realize credit, many customers, stereoscopic monitoring, in the customer promptly found in case of breach of contract risk for commercial banks, formulate corresponding solutions provide a practical reference, effectively reduce the loss of commercial banks.This system programming phases using UML (Unified Modeling Language), PowerDesigner (enterprise modeling and design solutions) combination manner; program stage based on B/S framework, MVC framework, service oriented component of EOS6.2development tools to finish; procedure deployment stages using deployed in the Linux operating system on Websphere application server with DB28.2database system to build the job; the line on the system by LoadRunner test tools system pressure test; by more mainstream technology and tools to ensure that the system correctly, safe, efficient operation.This system mainly includes early warning rule platform, the risk investigation, early warning information management three subsystems, early warning rule platform includes:generating expression term dictionary, early warning index maintenance, early warning rule definition, main warning indicator corresponding relationship maintenance; risk inspection subsystem is divided into three layers to the customer monitoring, respectively (1)the first layer of filtration, which contains the potential risk to customer list,(2) risk filtering, including risk filtering list query, prompted the risk list, progress monitoring, risk customers into, exit the client set (3) monthly monitoring, including customer list query, list of history inquiry, monitoring progress, customer lists, action plan business enquiry, industry distribution, balance ranking, rating matrix; early warning information management subsystem includes:early warning information management, early warning information query and statistics, early warning information query task, progress monitoring, early warning level manual adjustment function.The Qilu bank risk control has been successful on the line, since the on-line has stable system operation has reached a basic system construction expected effect, to a certain extent, simplify the business personnel’s routine work pressure improves the Qilu bank staff working efficiency, for Qilu bank risk management, risk recognition work plays a specific guidelines for the role, to early detection of risk reducing customer overall probability of default.