Design And Implementation Of Commercial Banks Operating Risk Early Warning System For Our Country Based On F-AHP

The Commercial Banks operating risk early warning system which uses the bank regulatory department to combine the computers, communications and Internet technologies with the mathematical methods, can achieve the banking supervision processing, information gathering, risk assessments and the informatization and automation behaviors of decision supporting. It plays an important role in improving the supervision efficiency and accuracy of the bank. It also supervises and urges the healthy and stable development of the financial institutions.Developed countries are earlier aware of the importance of the information technologies in the banking supervision, they have exploited banking supervision information system according to their own national conditions and achieve good results. Although China started late, with the development of the computers, communications and Internet technologies as well as the improvement of the regulatory system, the banking supervision information technologies in our country still has a great potential for development.The paper research topic is part of the research contents of the financial court project "The Pressure Test System of Bank". The purpose of this research is to use the risk early warning system to evaluate the commercial banks operating risk. The result of this paper plays a positive sense in the evaluation of commercial Banks operating risk warning, and makes the systems operating risk early warning evaluation to make an important step from the theory to the practice. At the same time, the realization of this system provides a complete evaluation model and a software platform for bank regulators and scholars, so as to help bank regulators understand the bank dynamic, have an objective look at risk factors and provide decision supports for the determination of the bank’s business strategy.The paper first carries on the corresponding theoretical analysis, systematic analysis of the commercial Banks operating risk concepts and influence factors, builds an evaluation model of the commercial bank operational risk warning evaluation system of our country. Secondly, the paper discusses the relativities of the evaluation systematically, determines the value of the index weight by AHP, and structures the fuzzy evaluation matrix and the level of risk on the basis of fuzzy comprehensive evaluation method. Finally, form the perspective of software systems engineering, to design and realize the core functionality of the entire system scientifically and completely by system requirements analysis. The system uses the popular development tools, choose the the MyEclipse development tools, uses MySQL database. The system uses the the JSP development technology model Model2as the development model of this system, accomplishs the design and realization of the user login module,the indicators weight module, the risk warning module, the online survey module and risk case module. And the paper achieves a set of bank operating risk early warning system of our country based on B/S structure. Compared with the previous traditional statistical method, the calculations of the traditional artificial method are complex and long, and have low calculation precision. But the system based on web mode of operation, across the geographical and time constraints, it is convenient to different information management. And the traditional statistical methods need to use tools such as matlab to calculate step-by-step many times repeatedly, but this system has a friendly interface, simple for operation. It is easy for managers to master and use. Compared to the traditional manual calculation, this system also has greatly improved in stability, quickness and accuracy of risk prediction.