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银行授信客户风险监控系统的设计与实现
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    近年来,随着社会经济的高速发展,金融市场需求的日益变化,金融服务业的变革在不断加深。 由于金融产品种类繁多, 信贷客户监管复杂, 银行业务管理的发展更趋向自动化、复杂化,事后监管将不再那么发挥作用,随之便不断爆出业内人员吞噬资金、贷款资金无法收回的情况。在新形势的发展要求下,银行监管部门面临着应对新技术、新业务流程、新金融工具以及金融机构规模和经营范围扩大、监管环境变化等方面带来的新挑战。
    某些情况下,银行可能对每一笔业务都进行良好的风险管理,但对整体风险的重视不够。银行的快速成长可能给许多方面带来巨大压力,如管理信息系统、变革管理控制体系、战略计划、信贷集中度、资产/负债管理等。银行必须了解各项业务如何相互作用,其中一些业务可能相当复杂,在风险管理工具方面也提出了更高的要求。
    基于此种情况,本文根据银行的业务实际情况对银行的在信贷客户风险防范方面进行了深入的研究,结合监管当局和银行监管的需要对不同的风险进行了不同的分析处理。通过对审批流程及客户信息的监测,进行不同级别的提示、报警处理,对有风险的业务进行防控,将其风险消灭在萌芽状态,避免或者降低银行的损失和不良的声誉影响。对银行授信业务审批流程的监控,一方面为解决信息的采集、沟通、问题传递和数据统计分析的时效问题,另一方面解决价值量和绩效考核问题,实现风险监控业务规范化、标准化。从理论应用角度,授信业务风险监控系统以对银行风险全面、多方位监控的“最佳实践”为基础,强调灵活性和标准化,从而帮助实现服务管理中的运用。
    本文以软件工程思想为主线,从需求分析、框架设计、数据库设计、开发环境配置、编程测试等方面,详细介绍了系统的实施过程,提出了授信客户风险监控系统的解决方案。
     [英文摘要]:     Recently, with the rapid development of economic and the continuously changing of financial market requirement, finance service industry keeps developing. Various kinds of financial products appear, the supervision of credit customer turn to be complex, the bank business trends to be more automatical and complex. Supervision after the event have little effect on protecting bank capital. then, the situation of industry personnel swallowing capital and the incapable recoveries of the loan capitals appears continuously. Following the new situation development, bank supervision department is facing a new challenge about how to deal with the development of the new technologies, new business processes, new financial tools, and the broadening of financial agencies scale, business scope, and the changes of supervise environment.
    The businesss banks often exercise well-done risk management on each specific loan, while they always forget to handle the risk lies on each loan as an integegrity. With the extension of businesss, banks have to take more efforts to handle the basic factors in their operation processs such as MIS (Managements Information System), control systems for reform management, strategic plans, credit loan centralizationon, assets and liability management etc.They have to know how the factors interact with each other, especially some factors may be rather complex, and have to find more effective tools to do risk management.
    Regarding the background mentioned above, this article make a deeply research on how to prevent banks from credit risk, basing on the actual status of CCB, and make the different processing on analyzing the different risk of the requirement of regulatory authorities and the bank supervision department. A credit customer risk monitoring system(CCRMS) is introduced here. The approving process of each credit loan and the information of each customer will be monitored by the system which may issue a remind or an alert according to the risk degree. So the system can avoid or reduce the loss and the bad reputation effect of the bank by perishing the risk.CCRMS integrates many functions such as data gathering,transferring and statistical analysis.In addition to that,it implements the measurement of customer value and contribution which standardizes the process of risk monitoring. Baesd on the best practice of all-around monitoring on bank risk, CCRMS focuses on the flexibility and standardization of system to improve the pratical business process.
    Based on the software engineering theory, a CCRMS solution is presented here. which covers each stage in the building process of the system such as business requirement analysis, system framework design,database design, coding and test
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