Design And Implementation Of Afterwards Supervision And Risk Early Warning System For Xingye Business Bank

The financial industry is a high risk industry, in order to effectively prevent and resolve financial risks, maintain the normal financial order, in addition to strict financial regulation, how to effectively use information to provide support for the financial industry’s risk monitoring is a hot topic in recent years.At present, the reform of the banking governance structure and operation mechanism of our country is moving towards in-depth, which creates a good opportunity for the reconstruction of operational risk management system. China’s commercial banks should learn from the theory and practice of international banking operational risk management, establish, promote and implement operational risk management culture, implement centralized management of operational risk management structure, formulate and implement unified clear, can reflect the risk management policies, establish and international standards of economic capital constraint and performance evaluation mechanism, based on data collection, system design, and gradually develop internal risk measurement model, and effectively improve the operational risk management capabilities and level.In order to do the risk early discovery, early warning, early control, early treatment, construction of the integration of information collection, transmission and risk analysis of the supervisory system, change the current risk monitoring separated, resources can not be shared, from a higher level and broader scope to build wind insurance supervision control system it is imperative to be. To make the post supervision from simple operation mode, isolated, static post review documents, to the intelligent, coherent, dynamic warning analysis to prevent operational risk. To achieve operational risk prevention, management standardization, operational procedures, business standards, monitoring and integrated, the rectification of the rectification, effectively curb the occurrence of major accidents and major economic cases.Societe Generale Bank Post supervision and risk early warning system introduced OCR, vouchers and inputting, image processing, automatic identification, data check, precise queries, focusing on supervision on the integration of computer aided management system, the realization of the electronic document, and business processing in the foundation to realize the accurate indexing of document images is built afterwards supervision center, combination of images and pipelined implementation supervision of the focus on the business, to replace the bank the original manual supervision and accounting supervision mode, and gradually realize the automation of afterwards supervision of.Afterwards supervision and risk early warning system platform through the OCR and manual makeup assistant voucher supervision and establish the coarse index and exact index and supervision on the outside of the need to focus on the supervision of the business, in accordance with the terms of the custom to supervise and confirm, through post supervision and audit management of the computer aided management system on the possible risk of early warning analysis and, to minimize the loss, promote Pro commercial banks to improve risk management level.Through the scanning method, the paper realizes the collection of paper accounting document image. Using OCR technology, automatic identification of accounting vouchers and the use of manual confirmation of the way, the establishment of a summons image and accurate index or running water index, to further improve the system’s quality and efficiency. The establishment of electronic archives management platform for the establishment of an accurate index of the summons, to provide accurate query by the flow of transactions.Through water import, real-time data receiving and other methods, the establishment of ex post and real-time risk early warning system. According to the pre setting conditions, the system automatically extracts business information which is in accordance with the risk early warning rules by the statistics and analysis of various data.