Design And Application Of Commercial Bank Guarantee Circle And Funds Circle Analysis System

With the development of China's financial industry,funds circle and guarantee circle has become an urgent problem to be solved in China's banking industry.The formation of the structure,the law of default,potential marketing opportunities are to be excavated heavy information.On another side data mining technology is a subversive IT industry technological change,which has aroused great concern in all aspects.McKinsey published research that data mining has penetrated into each industry and business functions,and gradually become an important factor of production.The purpose of this paper is to use data mining technology to study the capital circle and guarantee circle of the banking industry,and to develop an application analysis system according to the research plan.Based on the analysis method of chart and ETL,the author constructs the capital circle and guarantee circle according to the source of funds,characteristics of fund transaction,direction of capital transaction,classification of customer trade,customer transaction behavior,guarantee way and guarantee association.Graphic model.The model can be visualized,and the monitoring and post-lending supervision mechanism can be established.The purpose of risk exposure can be achieved for different capital circle,guarantee circle risk division,recognition and early warning.The system uses a social network analysis,eigenvector model,Aster computing platform and other technical solutions to build a set of solutions.Firstly,this paper summarizes the current research situation and basic analysis concepts,introduces the main technologies and algorithms,constructs the business model and the reasons for the system design.In accordance with the methodology of the implementation of the system requirements analysis,the overall design,system development,test construction analysis application system.The system from the system architecture,data interface,ETL design,database,graph analysis of social network business model design process to implement the process discussed.At the end of the paper,the application results are analyzed to realize the intelligentized management of the guarantee circle and the capital circle,to show the relationship between the characteristics of the guaranteed community and the default rate of credit customers,to obtain the list of high risk customers and communities,Early warning capability.The main contents of this paper are as follows:Based on the business circle and guarantee circle of bank operation,the business process forms the system demand;Based on the bank guarantee,the capital transaction abstracts the business model and establishes the configurable mechanism;Completion of the design and implementation of community partitioning algorithm procedures and applications,use of ETL and other related technologies and tools to extract,convert,load transaction data,to achieve efficient operation mechanism and procedures;The rules and quantitative analysis of the ETR model are used to optimize and construct the financial transaction model to improve the accuracy of the transaction relation model;The Aster data analysis platform is used to display the multi-dimensional transaction data results,which improves the accuracy of risk identification.