Design And Implementation Of Banking Industry’s Risk Early Warning System Based On Big Data

Since recent years, with the economic downturn, the process of marketization of interest rates and the growth of Internet-based financing, China’s commercial banks are facing more and more challenges. To enhance the initiative of risk management and to ensure the quality of assets running smoothly, we must build up a powerful system tools.Based on the advanced risk early warning management philosophy, useing the Internet and data mining technology, we can excavate the risk factor.we can find out the potential risks,timely disposal and automatic monitor of credit business credit business.This paper designed and developed the risk early warning management system by using large data. Risk warning system is divided into the risk early warning information platform and control center. The information platform is a platform to collect, collate,analyze of internal and external risk information. Firstly, the risk information of internal and external data sources are explored and classfied, based on availability, effectiveness and value of information. For the collection and processing of various types of data, we design the risk information platform with "information factory" + "electronic information library" two functions. In order to improve the effect of the application of risk warning information, we have designed the control center with "staff " + "command" two functions. The control center provides valuable information to all users,supervisor subordinate agencies early warning task, set up automatic identification 、rapid response and timely feedback risk warning management mechanism. In terms oftechnology, this paper mainly describes the data access framework, risk information database and relationship etc. Finally in order to verify the system performance, this paper designs the test case, verify the rationality and feasibility of the project.Risk warning system will promote the optimization of post-loan management,discover the hidden risks and quickly resolve, reduce the risk cost and operating losses.I believe in the near future, through effective access to all types of mass information,combined with the optimization and adjustment of rules and models, the risk management early warning system will be more effective, more accurate, more forward-looking.