Design And Implementation Of Customer Risk Classification System For Shandong Agricultural Bank

Customer classification of risk refers to the financial institutions in the process of carrying out anti money laundering work on the basis of the collected the identity of the customer information, transaction characteristics and other factors, analysis and judgement on the potential risk of money laundering, and then divide the customers into different risk levels of the work related to money laundering development. Mainly include a clear risk classification standard and basis, the identity of the customer information and transaction records collection and verification, customer risk analysis and classification, customer risk level adjustment and maintenance and other aspects of the work.The system can accomplish the task of the Agricultural Bank of Shandong for all the stock of customers (including account) and new customers (including account) automatic rating, which can realize real-time tips in real time query and part of the main transactions Shandong agricultural bank business system of customer risk level. There are five functions of rating adjustments, query statistics, report management, overseas agent, system management.System for automatic classification, supplemented by artificial adjustment, automatic recording prompt classification results in Shandong agricultural information system, and finally realize the classification results in the corresponding application system. The classification of customer risk level in accordance with the risk of money laundering and terrorist financing from high to low is divided into A, B, C a total of three risk categories. The system is based on the account, take the customer as the unit, automatic completion of the stock of customers, new account and expiration re rating. At the same time, can use manual adjustment, automatic warning system and the establishment of risk adjustment request function for manual adjustment to the system of automatic evaluation results, so as to define the customer risk level, real-time dynamic monitoring to achieve customer risk level.This paper is based on the development of the management information system theory, combined with the actual business demand of Shandong agricultural bank customer risk classification management, development on advanced J2EE platform. The front end is designed using JAVA webpage interface, backend database using SQLServer2005technology on Shandong agricultural bank customer risk classification management issues in-depth study, and through the system analysis, architecture, database design, system design, function module detailed design work, to develop a comprehensive information system to support the actual demand of Shandong agricultural bank customers risk classification management.In the practice application shows that the system of Shandong agricultural bank customer risk classification management, this research not only can greatly save manpower, material resources and time, but also to maximize avoid human errors caused by artificial classification. Simplify working process, improve work efficiency.