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.