Design And Implementation Of Banking Business Monitoring System

The cases of commercial banks caused by operational risks gradually increase, resulting in huge economic losses, and therefore Operation Risk has become the focus of attention of commercial banks in the world. Commercial banks in China have a set of effective qualitative and quantitative operational risk management methods in controlling their operational risk,from risk identification, risk measurement to risk control. Bank counter operational risk is only in a corner of the bank operation risk. How to monitor counter operational risk by means of technology is the focus of this research.The risk monitoring system of Urumqi Bank is an analysis system based on the core business system and the external channel access system for the monitoring of sensitive transactions. Based on the monitoring of the sensitive transaction behaviors in accounts and relying on the Non coupled data acquisition and analysis technology, the risk monitoring system could real time monitor and process the transaction data from the target system, and carry out similarity analysis according to data sources and model, thus it could identify business risks accurately, reduce the workload of manual identification, and prevent new operational risks from manual identification.the system is built on the bank's internal production network, which can monitor the business operations from the deposit system, the loan system, the payment and settlement system, the terminal equipment system, the online banking system, the mobile banking system, the telephone banking system, the call center, the SMS platform, the financial system, the government bonds system and others. At the same time, the system could be interfaced with almost every other system within the bank, such as the remote centralized authorization system, verification system, supervision system for image, and would not interfere with the bank business integration. the Front-end of the system takes the B/S architecture online monitoring structure, which could do real time extraction of network service message by means of analytical approach to achieve the purpose of monitoring. In the process of data analysis, the front-end could fully dig out the historical data and combine with current data matching rule model to achieve the purpose of monitoring.Meanwhile, the front-end could provide audit means of images, text, investigation notices etc.to reduce the risks of business.The research results of this project can provide references on operational risk monitoring work to the related banks.