Operating Risk Early Warning System Of Commercial Bank Design And Implementation

At present, some banks are still using the traditional pre-normative operational processesand staff professional ethics education, and after using the mode of artificial audit,supervision to monitor. This requires not only monitors traffic specification and has a goodwork ethic, but also equipped with adequate resources. This artificial way, investment,personnel requirements, monitoring means of a single, low efficiency, reaction hysteresis, hasnot adapt to the rapid development of information technology, banking transactions surge inelectronic trading network frequently, the status quo risk screening control massivetransaction data, etc..In the aspect of prevention and control of banking operational risk, the traditionaladvance prevention methods, such as moral education, process setup, system revisions lack ofspecific objectives and operational links pointing targeted. afterwards prevention traditionalmeans, such as artificial auditing, supervision, and because risk information lag, the losses ofbank cannot be effectively controlled, so things highlighted the importance of monitoring.Especially for real-time operating behavior audit analysis to identify early warning productsdoubt according to a preset rule, the demand is very urgent.Operational risk early warning system will give full play to the advantages of computerdata processing, and use technical means, collect the ransaction data of banking business inreal time, high efficiency, accurately. The system prompt Early warning of risk transactions inaccordance with the early warning rules, through the corresponding disposal mechanism,dissolve the operational risk, improve the ability of real-time monitoring and early warning ofoperational risk.In this paper, analyses the background of risk early warning system, determined the mainresearch scope, uses the object-oriented thought, through the analysis of banking business, theestablishment of the risk model library, streamline, on the whole operation risk early warningfor parameterized management.