Design And Implementation Of Operational Risk Monitoring System For Agricultural Bank Retail Business

Along with the approach of global economy, financial marketization, the commercial banks are facing increasingly fierce competition pressure, however, China's commercial banks haven't really completed the transformation, whose internal control mechanism is barely satisfactory, operational risk is one of the most common risks among all of the risks the commercial banks faced, poor management on operational risk will inevitably lead to more delinquent fraud cases. Therefore, effective monitor system software of operational is very crucial for commercial banks, the system software in the paper is designed and implemented based on the field investigation on the Agricultural Bank of China Shanghai Branch.This paper contains the following research contents:In the review of relevant theories, a carding on operational risk's relevance theories of commercial banks' on-the-counter business and a research on key techniques used in the paper is conducted at first, include correlation technology of SSH frame, operational risk monitoring, quantitative techniques, etc. Requirement analysis of system contains project overview, functional requirement, non-functional requirement, system feasibility and security analysis, etc. Systematic design mainly includes three parts:overall design, detail design, database design of system. Overall design of the system contains system network architecture design, software framework design and system functional structure design. System detail design is primarily system functional modules design. System database design is the inter-table relationships of a database and specific table structure design. Implementation and test of the system is the implementation of system functional modules and test on function and performance of the system.The system is currently in the pilot phase. It could conduct analysis and monitor for the on-the-counter business data of commercial banks, achieve the combination of automatic warning and manual review, enforce the remote and key monitoring, realize the information sharing and meet the requirements of agricultural banks' second-level branches. Research conducted in this paper is a practice for commercial banks' operational risk monitoring theory. It hopes to accelerate the development of relevant theories, to offers help to take operational risk monitoring of agricultural banks' on-the-counter business to the next level as well as to provides a valuable reference to the commercial banks of the same kind.