Design And Implementation Of A Bank Operation Centralized Supervision Platform

At present,banking risks continue to increase in a diversified manners,and the financial market is changing rapidly.Various laws,regulations and employment systems are constantly being updated.In the face of such a complex internal and external environment,the risk prevention and control of the banking industry has entered an unprecedented state of tension.The demand for risk control is extremely strong,and abnormal information cannot be monitored in a timely manner,and illegal operations are repeatedly prohibited.The system change,out of sync and other problems have not been properly resolved,so the technological means to do a good job in the operation of centralized regulatory platform design and implementation,can more timely and effective manage risks,resolve the potential risks and reduce management cost,improve the level of risk management and the comprehensive competitiveness of our bank,lay the most solid foundation stone for our efforts to achieve the goal of international large commercial bank.This paper mainly introduces the design and implementation of data model,database and typical early warning information in the development and design of operation centralized supervision platform.In order to develop a comprehensive,efficient and long-service life early warning model,we have consulted a large number of commercial bank risk management data and model design data,and have made a full study of the characteristics of risk management in recent years.According to the business characteristics of our bank,we have listed seven main risk sources,and designed corresponding risk monitoring models,In order to maximize the operational efficiency of the model,all of our early warning models are dynamically designed using the jaccard algorithms to save costs.combined with early warning rules,for the purpose of sending suspected risk data to the appropriate inspectors for risk management.The central oversight platform imported all of the bank's customer information when loading raw data,we can monitor all transaction information of counter,net bank,self-help equipment and third party trading channel through this system.And through the early warning model in the system to form a rapid and effective risk information early warning,timely and complete distribution to the corresponding inspectors,to the greatest extent to meet the real-time risk information monitoring and risk management requirements.