Design And Implementation Of Bank Risk Management System

Bank risk is mainly loan business risk and market risk of the business, the operational risk management methods lag and low efficiency of faults.And current on the risk supervision and management is mainly in government agencies and supervision center, at the same time, the existing risk management software is relatively single can only through the study of the supervision and verification of work flow, for lack of proof of business such as regulatory approach is not a lot.During business analysis of the large-scale integrated with experience and business functions by artificial to proficiency to distinguish, and in view of large amounts of data, the analysis of complex information by artificial means to deal with obviously can't be done, the use of IT technology to accomplish the seemingly impossible, is the need to be addressed.Originally by artificial supervision and the comprehensive supervision on the certificate, not according to the business importance to distinguish the key point.Bank at the front desk business Gui Yuan Zhi and Taiwan before and after the implementation of the separation of the business, using internal staff position to commit crime had more chances.Bank management urgently needed to counter, counter operation behavior and monitor special account, etc, to drag system and prevent Banks internal personnel commit crime, reduce bank internal management risk.Object of risk management for Banks, mainly credit customers, such as the customer will get a different amount of the loan amount from the bank, so the need for such clients in financial condition, cash flow status monitoring, when risk degree reaches a certain level, you need to take some risk control measures, ensure customer return loans in a timely manner.In this paper, the author studies on banking risk management system the main considering from the aspects of risk control, the key to strengthen bank loan customers in risk monitoring, dynamic analysis of each loan client credit risk, which can effectively avoid the loan is difficult to return.In this paper, the author studies on banking risk management system, the first need rules through the establishment of a certain risk, when the customer more than risk rules, such customer summary to come out, you need to input to the risk screening subsystem and risk information management subsystem, in risk screening subsystem, managers can through certain risk screening process, for different levels of monitoring and auditing.Will ultimately determine the risk level of the customer, and carry on corresponding processing.Risk rule subsystem is in accordance with the relevant indicators, risk of loans, the financial situation of the customer, transaction records, business situation, such as weighted processing, and comparing with system risk of the definition of internal boundary, if the customer's risk level over the line, that the client's loan has certain risk, requires for priority of this loan customers, targeted treatment.Risk rules set the function of the subsystems are indicators of risk, risk index weight set and rules of risk identifying and risk customer recognition, etc.Risk screening subsystem must first get out of risk rule subsystem to identify the risk of the customer, and then through the professional risk qualitative, according to the risk, the report concluded that level of risk if the customer for high risk, is the need for special treatment, the remaining risk customers can give remind or warning, and according to the customer's feedback and update the client's risk level.Rules of risk information management subsystem is mainly used to manage risk and risk screening subsystem of customer information, customer information, first get all loans preliminary risk customer information, and then distinguish the final risk in risk screening subsystem of customer information, and according to the feedback, modify the risk of customer information.Through in this paper, the author studies on banking risk management system, the implementation after the bank's loan risk has been greatly reduced, loan recovery rate and success rate are improved.