Design And Implementation Of Business Risk Management System For Suzhou Commercial Bank

With domestic commercial banks’ paying more attention to risk management, how to effectively conduct risk management and core business transaction’s cooperation has been an important issue in financial information area.This paper discusses the development of Suzhou Commercial Bank business risk management system. From the view of software engineering, it systematically discusses software design and implementation of client credit risk management, property risk management and anti-fraud management. Focuses on the above risk management functions, the paper gives detailed demand analysis and establishes corresponding user cases. As for the software’s design scenario, the paper emphasizes on discussing system structure, internal design and constitution of client credit risk management module, property risk management module and anti-fraud information monitoring module. This system’s business management layer mainly runs on backstage platform, and basic information processing layer carries out credit data’s index and storage management under varied conditions. The paper also discusses the system’s database design and data charts samples. The system’s business function layer mainly realizes client credit records’analysis and assessment. Property risk management module calculates anticipated asset loss probability and risk value degree, analyzes and evaluates fluidity insufficiency risk, and controls high risk business transaction. Anti-fraud management module includes abnormal operation rule management, abnormal operation analysis and identification, and black/grey list management. The system uses Java and DB2database programming.This risk management system has been put into use. It has good effect for the bank’s business risk management which former risk management methods could not have.