Rule engine-based method and system for monitoring exceptional service of bank

A technology of business and rules, applied in the financial field, can solve problems such as inability to understand whether the monitoring results are correct, poor comprehensibility, and difficult to understand defined formulas
CN101714273AInactive Publication Date: 2010-05-26BEIJING YINFENG XINRONG TECH DEV
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
BEIJING YINFENG XINRONG TECH DEV
Publication Date
2010-05-26
Estimated Expiration
Not applicable · inactive patent

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Abstract

The invention provides a rule engine-based method and a rule engine-based system for monitoring exceptional service of bank. The method mainly comprises the followings steps: defining and describing operational risk factors of bank service flows, products and service units; determining a lost data and risk data collecting frame to analyze important lost data to determine a cause-and-effect relationship between loss events and risk factors; determining a key risk indicator (KPI); measuring a possible loss amount and a risk probability; measuring the effectiveness of the current management and control method, and making a more effective management and control scheme; deciding and implementing an efficiency and phase equilibrium-based management and control system; and effectively monitoring risk early warning indexes, risk reports aiming at senior management and the risk management and control method. Operational risks of commercial banks are comprehensively monitored, and risks are ensured to be controlled. The system is divided according to logical levels and comprises a service data layer, a data acquisition layer, a data storage layer, a risk processing layer, a risk management layer and an information presentation layer.
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Description

technical field

[0001] The invention relates to the financial field, in particular to a method and system for monitoring abnormal banking business based on a rule engine. Background technique

[0002] Commercial banks are high-debt and high-risk industries based on credit and mainly operating currency lending and settlement businesses. The key position and role of commercial banks in a country's national economy and their operating characteristics have led to commercial bank operating risks having a great influence on the entire national economy. Once bank operating risks are transformed into actual losses, it may not only lead to Banks fail, and there will be serious consequences for the entire national economy. Especially in the process of rapid credit growth, due to various complex reasons, a large number of loans cannot be recovered, resulting in the deterioration of asset quality and operating efficiency. Looking back at the financial crises that erupted from the 1990...

Claims

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