Design And Implementation Of Customer Risk Warn System For Postal Save Bank In Yantai City

Risk of financial industry in many industries is relatively high, in recent years, more hot two topics-financial supervision and information technology, can effectively reduce financial risks and promote the normalization of financial order. At present, with China’s economic and social development, reforms in the banking sector of the governance structure and operating mechanism has becomes imperative imperative, but also more conducive to the reconstruction of the operational risk management system. To build a high level and wide range high risk monitoring system is necessary, it can be early detection of risk and the risk of making timely treatment, can also through the information collection, transmission and risk analysis of the supervisory system of integration, the segmentation of risk monitoring and control systems are unified, to achieve resource sharing.JAVA programming technology and the MyEclipse 6.5 open source framework are used in this system, backstage database is supported by SERVER SQL 2008. Specific system by the "data acquisition", "a single customer inquiry", "the group of related management", "risk", "rules of management" and "management system", a total of 6 modules.Among them, the data acquisition module includes the uncertainty of calibration, data import, uncertainty verification, feedback, data reporting and personalized collection index configuration of the 6 functions; a single client query module includes customer inquiries, customer information, customer credit loan overview distribution, time series analysis, personalized collection index and customer credit information report that the 6 correlation function; group management module comprises a display, Xianei group association map related group member information view, the group and the group outside the enterprise guarantee enterprises, within the group of each loan guarantees and distribution, the enterprises in the cluster table and among the enterprises in the loan industry distribution of the 6 functions; risk warning module includes a comprehensive analysis, ratio analysis, timing analysis, concentration analysis, industry analysis and information disclosure analysis of these 6 functions; rule management module including physical table 5 functions of maintenance, field maintenance, basic index maintenance, rule maintenance and threshold maintenance.Risk early warning system is established, which can put before clutter, isolated, backward bank errors to supervise the behavior of advance to the preliminary prevention and monitoring, and real-time monitoring, to regulate the banking transaction process, operation process and to prevent and reduce the bank’s major becuase the self action of stealing the plays the important role. Information monitoring system, for bank transaction certificate established electronic archiving and query system, to query document transaction records, and can transfer transaction surveillance video data, can fundamentally guarantee paper trading business with verifiable, evidence-based. In the image online supervision and afterwards supervision function, can in the post of business operation process and operating procedures for the transfer of data query transactions legitimacy and procedures legitimacy.Through the introduction of water flow, real-time data reception and other ways, the establishment of an ex post and real-time risk warning system. The operational risk in the system database is set up. When the system tracks the risk warning signal, it can send out the warning warning.