商业银行反洗钱数据监测与分析系统研究

发布时间：2018-06-04 02:01

本文选题：商业银行 + 反洗钱　；参考：《湖南大学》2015年硕士论文

【摘要】：虽然不同的组织和国家对洗钱有着不同的定义,但其本质是将非法所得合法化的过程。而商业银行为满足客户需求,提供了电子转账、商业票据等多种金融工具,而犯罪分子也利用这些金融工具从事洗钱活动。根据中国人民银行针对反洗钱工作的相关布置,各商业银行要及时准确地监测、分析及上报各种大额可疑交易数据。但是,大额可疑交易数据的甄别是一项复杂与繁琐的工作,这就需要建立一套行之有效的反洗钱数据监测与分析系统来辅助银行开展反洗钱工作,以减少人力与物力的投入,并提高反洗钱的效率。本文所设计的商业银行反洗钱数据监测与分析系统是长沙市民生银行反洗钱监测上报系统项目的一部分。在反洗钱信息数据监测工作中,基于大额成交交易和存有疑点的成交交易的认识鉴别工作是具有非常重要的,有鉴于此,本论文将就这些相关的问题进行重点的研究工作。本文将有针对性的就银行的反洗钱数据监测与分析的需求,结合目前银行在反洗钱领域所遇到的困难,实施实践,本文重点解决金融系统反洗钱微观方面的难题,研究建立自动化反洗钱信息化监测系统问题,也就是建立金融方面大客交易,频繁交易,可疑交易等信息的接收、分析、上报、管理的分析系统,并转化为规范数进行上报,同时提交给中国人民银行反洗钱监测中心进行数据管理。本系统是基于J2EE/JAVA技术的企业级Web应用,并且采用了Struts架构来构建该系统,Struts框架主要的功能是把显示层从MVC持久数据层与业务逻辑层中抽离出来,使得系统具有页面导航便利、层次清晰的特点,并且该系统采用数据挖掘中的聚类分析来提高异常交易数据的甄别能力。此外该系统数据持久层的实现使用了Hibernate框架,这样大大减少简化了开发的工作量,提高了系统的可维护性。系统同时采用ETL、数据挖掘,按照统一的规则,把数据从不同的数据源中提取到数据仓库,是商业银行反洗钱系统的基础技术。商业银行反洗钱系统的整体架构可以分为数据层、业务层、表示层和显示层四个部分,从功能架构对系统进行划分,商业银行反洗钱数据监测与分析系统可以分为数据处理部分、信息应用部分与系统管理。在运行步骤上,首先从分析配置子模块读取配置信息,接着根据配置信息,对商业银行交易钱数据进行采集,接着对采集到的数据进行审核。数据采集与分析配置模块是根据定制的采集任务,通过访问商业银行综合业务服务器把需要的反洗钱数据采集到反洗钱数据检测与分析系统的应用服务器中,为后续的洗钱分析、交易监控以及大额可疑交易的上报提供基础。反洗钱监测与分析模块根据ETL管理模块中分析配置子模块对异常交易规则的制定,对采集到反洗钱数据仓库中的交易水信息进行异常交易分析,将符合条件的交易水信息放入系统数据库,并可以在前台进行显示。系统的补录模块通过补录交易数据中的缺失项,方便后续的反洗钱数据监测与分析模块的分析。商业银行反洗钱数据监测与分析系统作为长沙市民生银行反洗钱监测报送系统的核心部分,已经被正式使用。从实际地运行效果来说,达到了预设的设计目标,提高了反洗钱工作的效率。本研究的进行,为商业银行反洗钱工作的信息化提供了技术路线和实施方案,能有有效地对洗钱活动进行发觉和预警,具有较大的理论和实际价值。
[Abstract]:Although different organizations and countries have different definitions of money laundering, the essence is the process of legalizing illegal income. In order to meet customer needs, commercial banks provide a variety of financial instruments such as electronic transfer, commercial paper and other financial instruments, and the criminals also use these financial instruments to do money laundering. The relevant arrangement of money laundering work, the commercial banks should promptly and accurately monitor, analyze and report a variety of large amount of suspicious transaction data. However, the screening of large suspicious transaction data is a complex and cumbersome work. It is necessary to establish a set of effective anti money laundering data monitoring and analysis system to assist the bank to carry out anti money laundering work. In order to reduce the investment of manpower and material resources and improve the efficiency of anti money laundering, the data monitoring and analysis system of anti money laundering of commercial banks designed in this paper is part of the project of Changsha Minsheng Bank anti money laundering monitoring and reporting system. In the monitoring of anti money laundering information data, the recognition of transaction transactions based on large transaction transactions and doubtful points is based on the monitoring of anti money laundering information. In view of this, this paper will focus on these related issues. This paper will focus on the needs of the monitoring and analysis of the bank's anti money laundering data, combined with the difficulties encountered by the bank in the field of anti money laundering, and implement the practice. This paper focuses on the solution of the backwash of the financial system. On the microcosmic aspect of money, it studies the establishment of an automated anti money laundering information monitoring system, which is to establish an analysis, report, and management analysis system for large guest transactions, frequent transactions and suspicious transactions in financial aspects, and to report it to the standard number and submit it to the anti money laundering monitoring center of the people's Bank of China. Data management. This system is an enterprise level Web application based on J2EE/JAVA technology, and uses the Struts architecture to build the system. The main function of the Struts framework is to draw out the display layer from the MVC persistent data layer and the business logic layer, so that the system has the features of page navigation convenience and clear hierarchy, and the system uses data. In addition, the implementation of the data persistence layer of the system uses the Hibernate framework, which greatly reduces the workload of the development and improves the maintainability of the system. At the same time, the system uses ETL, data mining, and according to the unified rules, from different data sources. The whole structure of the commercial bank anti money laundering system can be divided into four parts: data layer, business layer, presentation layer and display layer. The system is divided from functional structure to the system. The data monitoring and analysis system of commercial bank anti money laundering data can be divided into data processing part and information. In the operation step, the configuration information is read from the analysis configuration sub module first, then the transaction money data of commercial bank is collected according to the configuration information, and then the data collected is audited. The data collection and analysis configuration module is based on the custom collection task and through access to the commercial bank synthesis. The service server collects the required anti money laundering data to the application server of the anti money laundering data detection and analysis system. It provides the basis for the follow-up money laundering analysis, transaction monitoring and large suspicious transactions. The anti money laundering monitoring and analysis module makes the exception transaction rules based on the sub module of the ETL management module. The transaction water information collected in the anti money laundering data warehouse is analyzed abnormally, and the qualified transaction water information is put into the system database and can be displayed in the front desk. The system's complementing module can be used to record the missing items in the transaction data so as to facilitate the analysis of the subsequent counter money data monitoring and analysis module. As the core part of the anti money laundering monitoring and delivery system of Changsha Minsheng Bank, the anti money laundering data monitoring and analysis system has been formally used. From the actual operation effect, it has reached the design goal and improved the efficiency of the anti money laundering work. This research has provided the technology for the information technology of the anti money laundering work of commercial banks. The operation route and implementation plan can effectively detect and warn money laundering activities, which has great theoretical and practical value.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;TP274

【参考文献】