Design And Implementation Of Operational Risk Real-time Monitoring And Early Warnirng System For Rural Credit Cooperatives Counter In Tai'an City

For the risk of banking operations,counter operational risk is a major risk,the risk of the occurrence of a wide range of.Counter operational risk in general,is in the business outlets operators and customers of financial institutions in the transaction process is red,because of the information asymmetry,customer fraud and other business outlets and lending funds,unable to recover all or part of the losses caused by.In recent years,commercial banks in the financial case,the counter business cases accounted for more than 70 percent,so that the counter business risk control hasimportant significance for reducing the financial risk.In this context,the development of a comprehensive real-time monitoring risk early warning system is the current outstanding work of rural credit cooperatives in Tai'an city to complete.This system from the early warning and supervision of operational risk in Tai'an City counter needs,the overall architecture design risk early warning system,including the modules of UML modeling for different functions,design the system database;finally,make full use of Java programming technology,the function of each module in Tai'an City,the operational risk of rural credit cooperatives counter real-time monitoring and early warning specific implementation of system,including the system login interface,real-time monitoring,data query,statistical analysis,early warning management,parameter management and system maintenance and so on several big module design and implementation.The results of the system show that the system is stable,comprehensive functions and data processing quickly,has a certain significance to the operational risk of rural credit cooperatives in Tai'an city to counter the real-time monitoring and early warning.The development process of system flow through Rational(RUP)method,via Internet/Intranet network application mode,the application is mainly based on the B/Sstructure,can be aided by C/S structure,the user interface to the browser.At the same time,it can also use three layers of application architecture,that is database server,application server and front desk.The establishment of a complete banking transaction certificate database,through online supervision or collect transaction video can be on-site supervision over the counter transactions or after inspection,to ensure that each pen can counter business to check and verify the transaction records.Not only to ensure the legitimacy of online supervision,but also to ensure that after the inspection can be held;found the problem through online monitoring,data analysis or to prevent the financial risk,the counter regulation of operation to ensure online supervision can better,and through the image data transfer and verification,to prevent illegal transactions and Bank embezzlement the counter staff,to prevent the occurrence of the effect on risk.At the same time,the database can have the possibility of setting warning risk in the counter operation,the alarm will automatically give regulators,is conducive to the early stage of risk control,prevention of bank risk in advance.