商业银行合规与操作风险管理系统的设计与实现

发布时间：2018-11-22 09:18

【摘要】：随着信息化技术的快速发展,为加大对商业银行操作风险事件的预防,避免出现重大因人为操作导致的风险事件的发生,提高信息化对商业银行业务合规性的配置效率,在更高层次上促进传统业务流程和办公方式的改造升级和结构优化,提升商业银行整体的运行和管理能力,商业银行建设合规与操作风险管理系统将起到积极的作用。采用现代化的科学管理方法和手段进行对商业银行操作流程和操作风险的科学管理和监测,对有效预防风险事件的发生,具有十分重要的意义。商业银行合规与操作风险管理系统建设以整合合规管理信息和优化业务流程为前提,利用现代信息处理技术和科学手段,建设一个功能完备、高效便捷的商业银行合规与操作风险管理系统,以实现制度管理、违规积分管理、风险识别评估管理和查询统计等功能,为建设全面风险管理系统打好基础。本文依据上海农商银行合规部与风险管理部的需求,结合行内现有的OA办公系统、事后监督系统和审计系统等各个系统的资源设计并开发了商业银行合规与操作风险管理系统。该应用系统采用B/S架构模式,该模式是当今社会的主流模式,同时支持跨平台操作,只要有浏览器就可以实现操作,相对于C/S模式具有绝对的优势。系统运用spring和dorado等开发语言,采用ORACLE11G对数据进行保存。同时系统与银行的OA办公系统、后督以及审计等系统对接,实现数据共享为合规与操作风险管理系统提供更加可靠的数据支撑。文中对上海农商银行合规与操作风险管理系统的架构设计,依据系统的设计原则与目标对系统的逻辑架构、功能架构以及系统部署实施的情况做了分析与实践,最终完成系统的功能开发和测试。目前系统已经上线并且正常运行,并且推广至全行108家分支行使用。全行人员通过该系统可以学习行内外的法规、制度和管理办法等知识；检查部门通过该系统方便的对分支行违规人员进行检查并积分处理,信息传达效率以及时效性更高；风险部门通过系统中汇总的数据可以直观的分析行内各个条线存在的风险情况,针对性的定制风险预防措施。预防银行因为在操作方面所造成的损失。
[Abstract]:With the rapid development of information technology, in order to increase the prevention of the operational risk events of commercial banks, to avoid the occurrence of major man-made operations, and to improve the allocation efficiency of informatization to the commercial banks' business compliance, At a higher level, it will promote the transformation and upgrading of the traditional business process and office mode, improve the overall operation and management ability of commercial banks, and the construction of compliance and operational risk management system will play a positive role in commercial banks. It is of great significance to use modern scientific management methods and means to manage and monitor the operation process and operational risk of commercial banks effectively to prevent the occurrence of risk events. The construction of compliance and operational risk management system for commercial banks is based on integrating compliance management information and optimizing business processes, and using modern information processing technology and scientific means to build a complete function. Efficient and convenient commercial bank compliance and operational risk management system to achieve system management, violation of the integral management, risk identification and evaluation management and query statistics and other functions, for the construction of a comprehensive risk management system to lay a good foundation. According to the requirements of compliance department and risk management department of Shanghai Agricultural and Commercial Bank, this paper designs and develops the compliance and operational risk management system of commercial bank according to the resources of existing OA office system, ex post supervision system and audit system. The application system adopts the B / S architecture mode, which is the mainstream mode in today's society, and supports cross-platform operation. As long as there is a browser, it can be operated, which has an absolute advantage over the C / S mode. The system uses spring and dorado and other development languages, and uses ORACLE11G to save the data. At the same time, the system docked with the bank's OA office system, the supervisor and the audit system, to achieve data sharing for compliance and operational risk management system to provide more reliable data support. In this paper, the framework design of the compliance and operational risk management system of Shanghai Agricultural and Commercial Bank is analyzed, and the logical structure, functional framework and system deployment implementation of the system are analyzed and implemented according to the design principles and objectives of the system. Finally, the function development and test of the system are completed. At present, the system has been online and normal operation, and extended to the bank 108 branches to use. Through the system, the staff of the whole bank can learn the knowledge of laws, regulations and management methods inside and outside the line, and the inspection department can conveniently check and integrate the personnel who violate the rules of the branch through the system, so that the information transmission efficiency and timeliness are higher. The risk department can intuitively analyze the risk situation of each line in the line through the data collected in the system, and customize the risk prevention measures. Guard against losses caused by banks as a result of operation.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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