Financial risk monitoring and early warning method and system

Abstract

The invention discloses a financial risk monitoring and early warning method and system. The method comprises the steps of 1, data acquisition; step 2, constructing financial risk early warning measures; step 3, implementing an early warning monitoring means; 4, implementing a responsibility system; 5, a responsibility mutual supervision system of all function management departments is established; 6, evaluating punishment measures and extra-large financial risk credit investigation systems; according to the method, the credible big data platform is adopted to collect the underlying risk index data of the multi-business-state financial institutions, and the data differences and the operating business states of the financial institutions such as banks, securities, trust and the like are integrated, so that the data security is ensured, and the risk data marts are established in a classified manner according to the business modes, the operating characteristics and the contained risk categories of the business states. The management cockpit adopts top thinking to quickly, timely and visually display the overall operation condition and risk condition of each commercial financial institution.

Description

Technical Field

[0001] The present invention relates to the technical field of financial management and monitoring, and in particular to a method and system for monitoring and early warning of financial risks. Background Art

[0002] Financial risk refers to risks related to finance, such as financial market risk, financial product risk, and financial institution risk. The consequences of risks incurred by a financial institution often exceed the impact on the financial institution itself. Risks incurred by a financial institution in specific financial transaction activities may pose a threat to the survival of the financial institution; a specific financial institution may face a crisis due to poor management, which may pose a threat to the sound operation of the entire financial system; once systemic risk occurs, the financial system will malfunction, which will inevitably lead to chaos in the economic order of the entire society.

[0003] Among them, the Chinese patent with application number "CN201810972692.4" discloses "an Internet financial risk monitoring system based on knowledge graph", which records "the present invention discloses an Internet financial risk monitoring system based on knowledge graph, including a data source module, a multi-label graph module and an analysis module; the data source module extracts entities according to different data sources, integrates entity knowledge and builds relationships, integrates all basic data sources from different business systems, and organizes them into unambiguous, knowledge-clear entity knowledge and deterministic relationships between entities according to business logic; the multi-label graph module constructs a multi-label knowledge graph based on the knowledge obtained from the data source, maps the social behavior and attributes of members into the network graph, and constitutes a member's behavior attribute association graph; the analysis module analyzes the potential risk factors and feature mining of members in the Internet financial process through the constructed knowledge graph. The present invention changes the analysis dimension of the existing risk control model, thereby optimizing the traditional method of improving the model accuracy by only increasing the analysis dimension; Further search found the Chinese patent document Internet financial enterprise abnormal warning ranking method and software system with application number: CN201811281448.X, the content of which is: The present invention relates to the field of financial risk monitoring, specifically, an Internet financial enterprise abnormal warning ranking method and software system; including the following steps, first determining the abnormal type; determining the abnormal index under each abnormal type; according to the number of indicators that trigger the abnormal warning threshold under each abnormal type, determining the single abnormal warning ranking of each Internet financial enterprise under the abnormal type; comprehensively ranking all enterprises according to the number of abnormal types; the abnormal warning ranking method using the technical solution of the present invention can not only rank all Internet financial enterprises from the perspective of a single abnormal type, but also comprehensively rank all Internet financial enterprises from the perspective of all abnormal types, so that users can make choices and decisions based on the abnormal warning ranking of enterprises or the ranking of abnormal types that they focus on. The method in the above patent document also has the following defects: 1) Currently, there is no standardized system in the industry to realize the financial capital risk monitoring capability. Financial institutions need to rely on the risk experience of professional risk managers to identify various operating information and risk information through report data, which consumes a lot of manpower and time costs. In addition, there are many financial formats and high risk complexity. 2) Cross-legal entities and multi-level management make it difficult to achieve unified management and identification of operational risk information. In terms of management methods, the methods, tools and processes currently used in risk management work in various financial formats are also different. Currently, there is no standardized mature model and management method in the industry. Summary of the invention

[0004] The purpose of the present invention is to provide a method and system for financial risk monitoring and early warning to solve the problems raised by the above-mentioned background technology.

[0005] To achieve the above-mentioned purpose, the present invention provides the following technical solutions: A method for monitoring and early warning of financial risks: Step 1: data collection; Step 2: Establish early warning measures for financial risks; Step 3: Implement early warning monitoring measures; Step 4: Implement the accountability system; Step 5: The mutual supervision system of responsibilities of each functional management department; Step 6: Evaluation of penalty measures and credit reporting system for major financial risks.

[0006] As a preferred solution of the present invention: Step 1 is specifically as follows: Point 1: Review and approval of various financial contracts, bills and approval of various financial rights mechanisms; Elements include: (1) the name of the person in charge, all real identity information of the person being entered, nationality information, permanent residence, data management, and the approval review mechanism of the person in charge of financial approval; (2) Visual model construction: annual inspection mechanism for personal asset evaluation before financial bad debts; (3) Model construction of borrowers’ rights and interests and solvency, and implementation mechanism for comparing financial loan amounts with individual debt repayment capacity; Point 2: Review of the mechanism for obtaining survey information and on-site review and prevention of fraud; Initiative 1: The information implementation mechanism of financial venues is responsible for the investigation and review of the location of financial venues, the capital operation status of enterprises, and the current asset operation data; Initiative 2: Correction mechanism: an audit system for all equity information of actual corporate financial reports, annual reports and operating conditions, a system for public disclosure of the assets of corporate owners, and a responsibility review system for data acquisition personnel; Initiative 4: Pre-processing and sorting, sorting out the underlying financial data, cleaning up the underlying financial data, removing invalid fields: unifying vacant and garbled data; Initiative 5: Classify information and introduce label system: Construct market classification, capital type classification, operation classification, liquidity risk classification, credit risk classification, market risk classification, and constitute indicator data mart; Set risk appetite, limit indicators, financial institution risk statements, and set indicators in advance; Credit Check: As a rating judgment for risk data, build and improve archival data; Acquisition of dynamic research data on various types of asset increases or reductions in physical or virtual assets; Establish a dynamic and transparent information inquiry system; Responsibility system for reviewing the update time of data information archives; Build dynamic market model and dynamic information port access.

[0007] As a preferred solution of the present invention: Step 2 is specifically as follows: Point 1: Dynamic and normalized data acquisition and display service platform; Connect the specific dynamic data model and the acquired data visualization; Means of dynamically displaying the acquired information: regularly uploading various financial reports and annual reports that prove the enterprise's own operation and maintenance status, as well as the current inventory of physical or financial assets; Point 2: Responsibility supervision of data acquisition personnel; Mutual responsibility supervision of law enforcement data sources to prevent collusion, false reporting of asset assessments, or bribery of data researchers, fraudulent activities; Point 3: Ensure that the inventory process is recorded in real time, keep important information confidential, and make sure that the index data is released internally and externally; Obtain and confirm capital status, equity structure, operating status, and credit risk status, and implement, update and report various types of information; Preventive measure 1: Update the financial operation and maintenance status of the objects of investigation in the first quarter; The key objects of the investigation include: equity structure, capital situation, operating conditions, credit situation, enterprise controllers, department changes reported after confirmation, and the monitoring of market liquidity and external financial risks and the response measures to eliminate the impact; Preventive measure 2: Explain and make notes if there are minor problems in data disclosure. If there are financial data deficiencies or non-payment risks, report them in a timely manner and increase the credit rating of the assets under the credit classification to increase the business review level; (1) Level determination: Level 1: The cause is clear and since it cannot cause a large-scale impact, substantial assistance can be given to eliminate such risks and provide countermeasures. (2) Level 2: Specific measures: 1. Identify the cause of the problem; 2. Implement accountability; 3. Make up for the losses; and downgrade the asset rating. (3) Level 3: Freeze the right to use the designated assets and report for further internal asset inventory and specific fund flow tracking in the future to ensure that the difference between the final data and the paper data meets the expected risk-bearing expansion; Level 4: Suspend the reinvestment of other funds until the economic deficit is made up, re-evaluate after recovery, suspend the implementation of specific credit assessment and downgrade the credit rating.

[0008] As a preferred solution of the present invention: Step 3 specifically includes: tracking the dynamic information data of the acquired financial sample object to prevent decoupling or data information exceeding the update period; (1) Formulate a risk assessment report template with built-in risk report data information access, and include the following objects in the assessment report template: banks, securities, trusts, financial enterprises, and manufacturing enterprises; (2) Generate a report based on monitoring information. Enter the filled information into a specific report, specify the date and risk, and archive it.

[0009] (3) Fill in the corresponding company name and provide specific information.

[0010] Market and liquidity risk: Displays the market risk VaR value and annual profit and loss of the trading book of the financial institution, as well as the 30-day liquidity gap.

[0011] As a preferred solution of the present invention: Step 4 is specifically as follows: Point 1: Specifically check the information signature of the actual personnel, based on the specific implementation information, check and double-person monitoring system of each data; Combined with the enterprises to be estimated, after the initial warning information, report, feedback and follow up until the warning problem at this stage is resolved and resume regular inspection; Point 2: Information disclosure and filing of review materials by all responsible persons for monitoring and approval links; Find the person in charge of the investigation phase where the problem occurred, conduct an information authenticity review, and determine the financial risk in the correction of some incorrect information; Point 3: The responsibility system and the communication of information review and approval of multiple supervisors to implement the information processing of the person responsible for the omission; Serving as the monitoring of various information data and the interrogation of information providers, as well as the verification of the authenticity of the reported leverage data.

[0012] As a preferred solution of the present invention: Step five is specifically as follows: Step highlights: The accountability of the person who approves the information is clear, and the specific capital situation: the capital analysis situation, as well as the various capital benefits and risks are displayed through capital data.

[0013] Operating conditions: Operating conditions show the financial indicators of financial institutions such as assets, income, profits, etc., as well as the comparison of operating capabilities in the industry.

[0014] Credit risk situation: Displays the total amount of loans, non-performing assets, impairment provision balances and other credit risk situations of financial institutions, as well as the concentration risk situation of enterprises. Early warning analysis: Based on the early warning thresholds set in the first step, displays the early warning information of various preference and limit indicators; Monitoring of financial risks of specific information and information connection of responsible persons.

[0015] As a preferred solution of the present invention: Step 6 specifically includes: (1) restarting the verification of the replay voucher, as well as the specific triggered warning measures, and the specific recovery review of various internal information by the auditor; (2) Financial information networking, access to the financing channels that caused major financial losses and the inflow and outflow of funds; Enforce the compensation of specific credit conversion losses, restart the investigation and review of major issues, conduct follow-up investigations and consultations on the issue of guilt when financial crimes and misappropriation of assets occur, and punish financial crimes that cause economic losses due to favoritism and abuse of power.

[0016] A financial risk monitoring and early warning system, comprising any one of the above-mentioned financial risk monitoring and early warning methods: System: including input module, information voucher module, model extension module, and data monitoring module and storage module for implementing specific information; The input module and the information credential module are bidirectionally arranged, wherein the input module also includes a writing module for writing information, which is used for inputting input information, and a cockpit management storage module for sorting and arranging, and the writing module and the cockpit management storage module are bidirectionally arranged; The writing module is also bidirectionally provided with a label classification module, and the label classification module is bidirectionally set with the management cockpit transfer module.

[0017] As a preferred solution of the present invention: the information credential module also includes an information review and signature module for information writing, wherein the information review and signature module is bidirectionally provided with various data acquisition interface modules, and the data acquisition interface module is bidirectionally provided with the management cockpit transfer module; It also includes a risk supervision module, which is bidirectionally set with the model extension module.

[0018] As a preferred solution of the present invention: the model extension module includes an automatic archiving and combing module for coordinating information, an information verification module, and a data retrieval and display module; The automatic filing and sorting module and the information review and signature module are set unidirectionally, the information verification module and the data acquisition interface module are set bidirectionally, and the risk supervision module and the data retrieval and display module are set bidirectionally; The risk supervision module performs supervision and control at one end.

[0019] As a preferred solution of the present invention: the information data monitoring module also includes an early warning monitoring module for information writing, a risk triggering module, a signature module, and a review and approval module; The early warning monitoring module and the information data monitoring module are bidirectionally set, and the risk trigger module and the early warning monitoring module are bidirectionally set; The signature module and the risk trigger module are set up bidirectionally; The review and approval module coordinates the early warning monitoring module, risk trigger module and signature module.

[0020] As a preferred solution of the present invention: the storage module is respectively composed of: a hardware service storage module, a network access module and a maintenance module for maintenance; The servo storage module and the network access module are bidirectionally arranged, and the maintenance module and the hardware servo storage module are bidirectionally arranged.

[0021] Compared with the prior art, the present invention has the following beneficial effects: 1) Using a trusted big data platform to collect the underlying risk indicator data of financial institutions in various formats, integrating the data differences of financial institutions such as banks, securities, and trusts, as well as business formats, it not only ensures data security, but also follows the business model of each format; 2) Establish a risk data mart by classifying the operating characteristics and the inherent risk categories. The management cockpit adopts "top-level thinking" to quickly, timely and intuitively display the overall operating status and risk situation of financial institutions in various formats, and assist risk managers to make efficient and scientific risk management decisions; 3) Strengthen comprehensive risk management. Based on the data analysis of risk management, risk management personnel are supported to generate risk quarterly reports with one click, thereby applying data analysis to the actual work of the business and better improving the efficiency of risk management. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 It is a schematic diagram of the supporting mechanism structure of the present invention; Figure 2 It is a schematic diagram of the structure of the financial risk prevention process of the present invention; Figure 3 It is a structural schematic diagram of the system module of the present invention.

[0023] In the figure: 1. Input module; 11. Writing module; 12. Cockpit management storage module; 13. Label classification module; 2. Information voucher module; 21. Information review and signature module; 22. Data acquisition interface module; 23. Risk supervision module; 3. Model extension module; 31. Automatic archiving and sorting module; 32. Information verification module; 33. Risk supervision module; 4. Data monitoring module; 41. Early warning monitoring module; 42. Risk trigger module; 44. Review and approval module; 5. Storage module; 51. Hardware server storage module; 52. Network access module; 53. Maintenance module. DETAILED DESCRIPTION

[0024] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0025] See also Figure 1 - Figure 3 ,The present invention provides a technical solution: a method for monitoring and early warning of financial risks. In this embodiment: Step 1: data collection; Point 1: Review and approval of various financial contracts, bills and approval mechanisms involving financial rights; Elements include: (1) the name of the person in charge, all real identity information of the person being entered, nationality information, permanent residence, data management, and the approval review mechanism of the person in charge of financial approval; (2) Visual model construction: annual inspection mechanism for personal asset evaluation before financial bad debts; (3) Model construction of borrowers’ rights and interests and solvency, and implementation mechanism for comparing financial loan amounts with individual debt repayment capacity; Point 2: Review of the mechanism for obtaining survey information and on-site review and prevention of fraud; Initiative 1: The information implementation mechanism of financial venues is responsible for the investigation and review of the location of financial venues, the capital operation status of enterprises, and the current asset operation data; Initiative 2: Correction mechanism: an audit system for all equity information of actual corporate financial reports, annual reports and operating conditions, a system for public disclosure of the assets of corporate owners, and a responsibility review system for data acquisition personnel; Initiative 4: Pre-processing and sorting, sorting out the underlying financial data, cleaning up the underlying financial data, removing invalid fields: unifying vacant and garbled data; Initiative 5: Classify information and introduce label system: Construct market classification, capital type classification, operation classification, liquidity risk classification, credit risk classification, market risk classification, and constitute indicator data mart; Set risk appetite, limit indicators, financial institution risk statements, and set indicators in advance; Credit Check: As a rating judgment for risk data, build and improve archival data; Acquisition of dynamic research data on various types of asset increases or reductions in physical or virtual assets; Establish a dynamic and transparent information inquiry system; Responsibility system for reviewing the update time of data information archives; Build dynamic market model and dynamic information port access.

[0026] In this embodiment: Step 2: Constructing financial risk early warning measures; Point 1: Dynamic and normalized data acquisition and display service platform; Connect the specific dynamic data model and the acquired data visualization; Means of dynamically displaying the acquired information: regularly uploading various financial reports and annual reports that prove the enterprise's own operation and maintenance status, as well as the current inventory of physical or financial assets; Point 2: Responsibility supervision of data acquisition personnel; Mutual responsibility supervision of law enforcement data sources to prevent collusion, false reporting of asset assessments, or bribery of data researchers, fraudulent activities; Point 3: Ensure that the inventory process is recorded in real time, keep important information confidential, and make sure that the index data is released internally and externally; Obtain and confirm capital status, equity structure, operating status, and credit risk status, and implement, update and report various types of information; Preventive measure 1: Update the financial operation and maintenance status of the objects of investigation in the first quarter; The key objects of the investigation include: equity structure, capital situation, operating conditions, credit situation, enterprise controllers, department changes reported after confirmation, and the monitoring of market liquidity and external financial risks and the response measures to eliminate the impact; Preventive measure 2: Explain and make notes if there are minor problems in data disclosure. If there are financial data deficiencies or non-payment risks, report them in a timely manner and increase the credit rating of the assets under the credit classification to increase the business review level; (1) Level determination: Level 1: The cause is clear and since it cannot cause a large-scale impact, substantial assistance can be given to eliminate such risks and provide countermeasures. (2) Level 2: Specific measures: 1. Identify the cause of the problem; 2. Implement accountability; 3. Make up for the losses; and downgrade the asset rating. (3) Level 3: Freeze the right to use the designated assets and report for further expansion of internal asset inventory and specific fund flow tracking in the future to ensure that the difference between the final data and the paper data meets the expected risk-bearing expansion; (4) Level 4: Suspend all other funding until the economic deficit is made up, re-evaluate after recovery, suspend specific credit assessments, and downgrade credit ratings.

[0027] In this embodiment: Step 3: Implement early warning monitoring means; Track the dynamic information data of the acquired financial sample objects to prevent disconnection or data information exceeding the update period; (1) Formulate a risk assessment report template with built-in risk report data information access, and include the following objects in the assessment report template: banks, securities, trusts, financial enterprises, and manufacturing enterprises; (2) Generate a report based on monitoring information. Enter the filled information into a specific report, specify the date and risk, and archive it.

[0028] (3) Fill in the corresponding company name and provide specific information.

[0029] (4) Market and liquidity risk: Displays the market risk VaR value and annual profit and loss of the trading book of the financial institution, as well as the 30-day liquidity gap.

[0030] In this embodiment: Step 4: Implement the responsibility system; Point 1: Check the signatures of the actual personnel, and implement the double-person monitoring system based on the specific implementation of information and data; Combined with the enterprises to be estimated, after the initial warning information, report, feedback and follow up until the warning problem at this stage is resolved and resume regular inspection; Point 2: Information disclosure and filing of review materials by all responsible persons for monitoring and approval links; Find the person in charge of the investigation phase where the problem occurred, conduct an information authenticity review, and determine the financial risk in the correction of some incorrect information; Point 3: The responsibility system and the communication of information review and approval of multiple supervisors to implement the information processing of the person responsible for the omission; Serving as the monitoring of various information data and the interrogation of information providers, as well as the verification of the authenticity of the reported leverage data.

[0031] In this embodiment: Step 5: A system of mutual supervision of responsibilities among functional management departments.

[0032] Small steps: The accountability of the person who approves the information is clear, and the specific capital situation: the capital analysis situation, as well as the various returns and risks of the capital are displayed through capital data.

[0033] Operating conditions: Operating conditions show the financial indicators of financial institutions such as assets, income, profits, etc., as well as the comparison of operating capabilities in the industry.

[0034] Credit risk situation: Displays the total amount of loans, non-performing assets, impairment provision balances and other credit risk situations of financial institutions, as well as the concentration risk situation of enterprises. Early warning analysis: Based on the early warning thresholds set in the first step, displays the early warning information of various preference and limit indicators; Monitoring of financial risks of specific information and information connection of responsible persons.

[0035] In this embodiment: Step 6: Evaluation of penalty measures and the credit reporting system for major financial risks (1) Restart the review of the voucher, the specific warning measures triggered, and the auditor's specific internal information recovery review; (2) Financial information networking, access to the financing channels that caused major financial losses and the inflow and outflow of funds; Enforce the compensation of specific credit conversion losses, restart the investigation and review of major issues, conduct investigations and consultations on the follow-up work when financial crimes and misappropriation of assets occur, and punish financial crimes caused by economic losses due to favoritism and abuse of power; A financial risk monitoring and early warning system, comprising any one of the above-mentioned financial risk monitoring and early warning methods: In this embodiment: the system: comprises an input module 1, an information voucher module 2, a model expansion module 3, and a data monitoring module 4 and a storage module 5 for implementing specific information; The feature is that: the input module 1 and the information credential module are bidirectionally arranged, wherein the input module 1 also includes a writing module 11 for writing information, which is used for inputting input information, and a cockpit management storage module 12 for sorting and arranging, and the writing module 11 and the cockpit management storage module 12 are bidirectionally arranged; The writing module 11 is also bidirectionally provided with a label classification module 13 , and the label classification module 13 is bidirectionally provided with the management cockpit transfer module 12 .

[0036] The main purpose of the writing module 11 used is to directly input data through the input module 1 and the writing module 11 when part of the paper hardware or the called hardware needs to be input, and the cockpit management storage module 12 realizes the information visualization display.

[0037] In this embodiment: the information credential module 2 also includes an information review and signature module 21 for writing information, wherein the information review and signature module 21 is bidirectionally provided with an interface module 22 for various types of data acquisition, and the data acquisition interface module 22 is bidirectionally provided with the management cockpit transfer module 12; It also includes a risk supervision module 23, which is bidirectionally arranged with the model expansion module 3.

[0038] The main purpose of adopting the information review signature module 21 and the data acquisition interface module 22 is to provide feedback display for the data interface 22, and the management cockpit call-in module 12 is used as the feedback display of the information.

[0039] In this embodiment: the model expansion module 3 includes an automatic archiving and combing module 31 for coordinating information, an information verification module 32, and a data retrieval and display module 33; The automatic filing and sorting module 31 and the information review and signature module 21 are set unidirectionally, the information verification module 32 and the data acquisition interface module 23 are set bidirectionally, and the risk supervision module 33 and the data retrieval and display module are set bidirectionally; The risk supervision module 33 performs supervision and control.

[0040] The main purpose of the automatic archiving and combing module 31 is to present various types of information more reasonably by archiving and combing, and the data retrieval and display module 33 is used as a signal display.

[0041] In this embodiment: the information data monitoring module 4 also includes an early warning monitoring module 41 for information writing, a risk triggering module 42, a signature module 43, and a review and approval module 44; The early warning monitoring module 41 is bidirectionally arranged with the information data monitoring module 4, and the risk triggering module 42 is bidirectionally arranged with the early warning monitoring module 41; The signature module 43 and the risk trigger module 42 are set up bidirectionally.

[0042] The feedback display status of the early warning monitoring module 41 and the risk triggering module 42 adopted further achieves the display of the signature module 43, ensuring the real-time verification of various signatures.

[0043] In this embodiment: the review and approval module 44 coordinates the early warning monitoring module 41 , the risk triggering module 42 and the signature module 43 .

[0044] The adopted review and approval module 44 and the writing of various information ensure that various acquired data can be retrieved in real time.

[0045] In this embodiment: the storage module 5 is respectively composed of: a hardware service storage module 51, a network access module 52 and a maintenance module 53 for maintenance; The servo storage module 51 and the network access module 52 are bidirectionally arranged, and the maintenance module 53 and the hardware servo storage module 51 are bidirectionally arranged.

[0046] The hardware server storage module 51 and the specific maintenance module 53 used facilitate data maintenance and operation.

[0047] The contents not described in detail in this specification belong to the prior art known to professional and technical personnel in the field. Although the present invention has been described in detail with reference to the aforementioned embodiments, it is still possible for those skilled in the art to modify the technical solutions described in the aforementioned embodiments, or to make equivalent substitutions for some of the technical features therein. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for monitoring and early warning of financial risks, characterized by: Step 1: Data collection; Step 2: Establish early warning measures for financial risks; Step 3: Implement early warning monitoring measures; Step 4: Implement the accountability system; Step 5: The mutual supervision system of responsibilities of each functional management department; Step 6: Evaluation of penalty measures and credit reporting system for major financial risks.

2. A method for monitoring and early warning of financial risks according to claim 1, characterized in that: Step 1 is as follows: Point 1: Review and approval of various financial contracts, bills and approval of various financial rights mechanisms; Elements include: (1) the name of the person in charge, all real identity information of the person being entered, nationality information, permanent residence, data management, and the approval review mechanism of the person in charge of financial approval; (2) Visual model construction: annual inspection mechanism for personal asset evaluation before financial bad debts; (3) Model construction of borrowers’ rights and interests and solvency, and implementation mechanism for comparing financial loan amounts with individual debt repayment capacity; Point 2: Review of the mechanism for obtaining survey information and on-site review and prevention of fraud; Initiative 1: The information implementation mechanism of financial venues is responsible for the investigation and review of the location of financial venues, the capital operation status of enterprises, and the current asset operation data; Initiative 2: Correction mechanism: an audit system for all equity information of actual corporate financial reports, annual reports and operating conditions, a system for public disclosure of the assets of corporate owners, and a responsibility review system for data acquisition personnel; Initiative 4: Pre-processing and sorting, sorting out the underlying financial data, cleaning up the underlying financial data, removing invalid fields: unifying vacant and garbled data; Initiative 5: Classify information and introduce label system: Construct market classification, capital type classification, operation classification, liquidity risk classification, credit risk classification, market risk classification, and constitute indicator data mart; Set risk appetite, limit indicators, financial institution risk statements, and set indicators in advance; Credit Check: As a rating judgment for risk data, build and improve archival data; Acquisition of dynamic research data on various types of asset increases or reductions in physical or virtual assets; Establish a dynamic and transparent information inquiry system; Responsibility system for reviewing the update time of data information archives; Build dynamic market model and dynamic information port access.

3. A method for monitoring and early warning of financial risks according to claim 2, characterized in that: Step 2 is as follows: Point 1: Dynamic and normalized data acquisition and display service platform; Connect the specific dynamic data model and the acquired data visualization; Means of dynamically displaying the acquired information: regularly uploading various financial reports and annual reports that prove the enterprise's own operation and maintenance status, as well as the current inventory of physical or financial assets; Point 2: Responsibility supervision of data acquisition personnel; Mutual responsibility supervision of law enforcement data sources to prevent collusion, false reporting of asset assessments, or bribery of data researchers, fraudulent activities; Point 3: Ensure that the inventory process is recorded in real time, keep important information confidential, and make sure that the index data is released internally and externally; Obtain and confirm capital status, equity structure, operating status, and credit risk status, and implement, update and report various types of information; Preventive measure 1: Update the financial operation and maintenance status of the objects of investigation in the first quarter; The key objects of the investigation include: equity structure, capital situation, operating conditions, credit situation, enterprise controllers, department changes reported after confirmation, and the monitoring of market liquidity and external financial risks and the response measures to eliminate the impact; Preventive measure 2: Explain and make notes if there are minor problems in data disclosure. If there are financial data deficiencies or non-payment risks, report them in a timely manner and increase the credit rating of the assets under the credit classification to increase the business review level; (1) Level determination: Level 1: The cause is clear and since it is unlikely to cause a large-scale impact, substantial assistance can be given to eliminate such risks and provide countermeasures; (2) Level 2: Specific measures:

1. Identify the cause of the problem; 2. Implement accountability; 3. Make up for the losses; and downgrade the asset rating. (3) Level 3: Freeze the right to use the designated assets and report for further expansion of internal asset inventory and specific fund flow tracking in the future to ensure that the difference between the final data and the paper data meets the expected risk-bearing expansion; Level 4: Suspend the reinvestment of other funds until the economic deficit is made up, re-evaluate after recovery, suspend the implementation of specific credit assessment and downgrade the credit rating.

4. The method for monitoring and early warning of financial risks according to claim 2, characterized in that: Step three is as follows: tracking the dynamic information data of the acquired financial sample objects to prevent decoupling or data information exceeding the update period; (1) Formulate a risk assessment report template with built-in risk report data information access, and include the following objects in the assessment report template: banks, securities, trusts, financial enterprises, and manufacturing enterprises; (2) Generate a report based on the monitoring information, write the filled information into a specific report, specify the date and risk, and archive it; (3) Fill in the corresponding enterprise name and provide specific information; Market and liquidity risk: Displays the market risk VaR value and annual profit and loss of the trading book of the financial institution, as well as the 30-day liquidity gap.

5. A method for monitoring and early warning of financial risks according to claim 4, characterized in that: Step 4 is as follows: Point 1: Check the signature of the actual personnel, based on the specific implementation information, check and double-person monitoring system of each data; Combined with the enterprises to be estimated, after the initial warning information, report, feedback and follow up until the warning problem at this stage is resolved and resume regular inspection; Point 2: Information disclosure and filing of review materials by all responsible persons for monitoring and approval links; Find the person in charge of the investigation phase where the problem occurred, conduct an information authenticity review, and determine the financial risk in the correction of some incorrect information; Point 3: The responsibility system and the communication of information review and approval of multiple supervisors to implement the information processing of the person responsible for the omission; Serving as the monitoring of various information data and the interrogation of information providers, as well as the verification of the authenticity of the reported leverage data.

6. A method for monitoring and early warning of financial risks according to claim 5, characterized in that: Step 5 is as follows: Step highlights: The accountability of the person who approves the information is clear, and the specific capital situation: the capital analysis is displayed through capital data, as well as the various benefits and risks of capital; Business performance: Business performance shows the financial indicators of financial institutions such as assets, income, and profits, as well as the comparison of business capabilities in the industry; Credit risk situation: Displays the total amount of loans, non-performing assets, impairment provision balances and other credit risk situations of financial institutions, as well as the concentration risk situation of enterprises. Early warning analysis: Based on the early warning thresholds set in the first step, displays the early warning information of various preference and limit indicators; Monitoring of financial risks of specific information and information connection of responsible persons.

7. A method for monitoring and early warning of financial risks according to claim 6, characterized in that: Step 6 is as follows: (1) Restart the review of the voucher, as well as the specific warning measures triggered, and the auditor's specific internal recovery review of various information; (2) Financial information networking, access to the financing channels that caused major financial losses and the inflow and outflow of funds; Enforce the compensation of specific credit conversion losses, restart the investigation and review of major issues, conduct follow-up investigations and consultations on the issue of guilt when financial crimes and misappropriation of assets occur, and punish financial crimes that cause economic losses due to favoritism and abuse of power.

8. A financial risk monitoring and early warning system, comprising a financial risk monitoring and early warning method according to any one of claims 1 to 7, characterized in that: system: It includes an input module (1), an information voucher module (2), a model expansion module (3), and a data monitoring module (4) and a storage module (5) for implementing specific information; The invention is characterized in that: the input module (1) and the information credential module are bidirectionally arranged, wherein the input module (1) also includes a writing module (11) for writing information, which is used for inputting input information, and a cockpit management storage module (12) for sorting and arranging, and the writing module (11) and the cockpit management storage module (12) are bidirectionally arranged; The writing module (11) is also bidirectionally provided with a label classification module (13), and the label classification module (12) is bidirectionally provided with the management cockpit call-in module (12).

9. A financial risk monitoring and early warning system according to claim 8, characterized in that: The information credential module (2) further comprises an information review and signature module (21) for writing information, wherein the information review and signature module (21) is bidirectionally provided with an interface module (22) for various types of data acquisition, and the data acquisition interface module (22) is bidirectionally provided with the management cockpit call-in module (12); It also includes a risk supervision module (23), which is bidirectionally arranged with the model extension module (3).

10. A financial risk monitoring and early warning system according to claim 8, characterized in that: The model expansion module (3) comprises an automatic archiving and sorting module (31) for coordinating information, an information verification module (32), and a data retrieval and display module (33); The automatic filing and sorting module (31) and the information review and signature module (21) are unidirectionally arranged, the information verification module (32) and the data acquisition interface module (23) are bidirectionally arranged, and the risk supervision module (33) and the data retrieval and display module are bidirectionally arranged; The risk supervision module (33) performs supervision and control at one end; The information data monitoring module (4) further comprises an early warning monitoring module (41) for information writing, a risk triggering module (42), a signature module (43), and a review and approval module (44); The early warning monitoring module (41) and the information data monitoring module (4) are bidirectionally arranged, and the risk triggering module (42) and the early warning monitoring module (41) are bidirectionally arranged; The signature module (43) and the risk trigger module (42) are arranged bidirectionally; The review and approval module (44) coordinates the early warning monitoring module (41), the risk triggering module (42) and the signature module (43); The storage module (5) comprises: a hardware service storage module (51), a network access module (52) and a maintenance module (53) for maintenance; The servo storage module (51) and the network access module (52) are bidirectionally arranged, and the maintenance module (53) and the hardware servo storage module (51) are bidirectionally arranged.

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