Research On Bank Risk Monitoring System Based On Large Data Mining And Data Visualization Technology

With the rapid rise of IT industry,the efficiency of commercial banks processing business is becoming more efficient.However,with the faster and more convenient bank business,there are more and more security risks as well.Especially,for the factors of information security risk like dynamic,real-time and quick diffusion,commercial banks put forward stricter requirement for the supervision of both the different categories of customers and their own operating behavior.Customer risk monitoring mainly includes the monitoring of money laundering and terrorist finance.Bank operating behavior monitoring mainly,on the one hand,includes the supervision of operating behavior in daily operation and maintenance activities of bank's technology department,on the other hand,includes the risk warning and risk control in business processing activities of bank's business department.In order to avoid the economic losses caused by these risks,it is necessary to monitor these risks in a real time and comprehensive way.However,this industry is now lack in effective risk monitoring platform.Under such a circumstance,this thesis proposes an innovative solution focused on these mainstream risks of bank monitoring,that is,apply the efficient data analysis algorithm into the new technology platform.On the one hand,this solution puts forward corresponding technical solutions for data analysis,display and storage respectively,and builds a system prototype based on solving problems of the design,collection,analysis and storage of large-data-based risk management system.On the other hand,in order to make the risk warning of some business data being more forward-looking,the optimized data classification algorithm is applied to the system prototype to achieve the real time monitoring of business.In the experiment,the system prototype is realized,and its correctness and efficiency is then proved by the test of the bank risk business.This monitoring platform has been successfully applied in bank's technology department.Through practical application,compared with other monitoring tools with the same function,this platform has advantages on monitoring of business risk.For example,it is more comprehensive and timely.It has a wider range of monitoring.And it is more scalable and so on.The platform brings about many advantages for bank risk management.First of all,all the activity data of banking services both in various types and formats can be centralized and collected in real time,which makes the data foundation for comprehensive risk management.Secondly,data can be displayed visually,and is able to deal with the risk in real-time according to the predetermined and intelligent risk rules.Thirdly,based on the big data,it provides the ability to build the bank risk analyzing and monitoring model using NoSQL analytical skills.Finally,the use of the Internet technology architecture can greatly improve the scalability of system and reduce the cost of establishing system.These work lays the foundation in knowledge,skills and manpower for commercial banks to further use the variety of data resources and deepen the risk management.At the same time,it is a new exploration of China's financial industry using big data technology,which can also provide a reference for other banks.