Large Bank Risk Control System’s Design And Implementation

With the deepening of the domestic financial reform, and the Continuing of exchange rate, and interest rate system reform in recent years, The comprehensive risk management becomed one of the most important ways that the domestic commercial banks to seek the sustainable development and creat competitive advantage.The China Banking Regulatory Commission issued the relevant guidelines and began to promote the implementation of the new Basel Capital Accord, and combined with the domestic banking industry risk management situation,and formulated a series of corresponding risk control guidelines. In recent years, the content and the concept of domestic commercial bank risk management produced great change. The higher reguireents of the traditional commercial banking risk management system and risk management ability are raised. It is very important to implement the new capital protocol oriented comprehensive risk managementconstruction, in order to enhance the core competitiv epower and develop continuously of banks.Development of comprehensive risk management system is the foundition to advance the comprehensive risk management system construction orderly. In accordance with the new capital agreement of the relevant regulatory requirements and banks risk management experience in construction,the main goal of comprehensive risk management construction is to improve the risk management ability and the level of risk measurement,and adhere the development effectively in quality, efficiency, scale, and support business development,and realize the strategic goal of the maximum value of the bank.First of all, On the basis of discussing the bank risk control system project background and the researching status at home and abroad, the author in this article analysis of the system requirements. On the basis of the needs analysis, we conducted a system architecture design. Firstly, according to the system demand, We put forward the system design objectives and principles and then conducted respectively the system structure and function of the architecture design. Considering the system scalability, maintainability and performance issues,we has used of MVC design patterns, J2EE structure in technology, universal components in frame,and has carried on the detailed design and analysis on each layer. Then the detailed design of the system are conducted. In this article,the process of customer management module design are introduced through the two masterstroke of the customer management and process management.Then based on the detailed design, the realization of each module and some system running effect diagram and the realization of the code are introduced,Finally, the advantages and disadvantages and the application status are summarized.