CN109214662A - A kind of financial risks online monitoring system - Google Patents
A kind of financial risks online monitoring system Download PDFInfo
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- CN109214662A CN109214662A CN201810946366.6A CN201810946366A CN109214662A CN 109214662 A CN109214662 A CN 109214662A CN 201810946366 A CN201810946366 A CN 201810946366A CN 109214662 A CN109214662 A CN 109214662A
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- 238000012544 monitoring process Methods 0.000 title claims abstract description 28
- 238000004458 analytical method Methods 0.000 claims abstract description 28
- 238000004088 simulation Methods 0.000 claims abstract description 19
- 238000007418 data mining Methods 0.000 claims abstract description 12
- 238000012800 visualization Methods 0.000 claims abstract description 11
- 238000007781 pre-processing Methods 0.000 claims abstract description 8
- 238000012360 testing method Methods 0.000 claims description 27
- 239000011159 matrix material Substances 0.000 claims description 11
- 238000012502 risk assessment Methods 0.000 claims description 11
- 238000004364 calculation method Methods 0.000 claims description 8
- 238000000034 method Methods 0.000 claims description 7
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a kind of financial risks online monitoring systems, including data-mining module, finance data preprocessing module, risk integrative assessment module, financial risks situation forecast submodule, visualization model and simulation analysis module.The present invention is analyzed by the multifactor risk to internet financial product, and simulation analysis is carried out to the risk trend of the internet financial product in conjunction with the external factors such as the market risk, policy risk, so that user can understand product situation with more intuitive, the selection of product and evading for risk are preferably carried out convenient for user.
Description
Technical field
Financial risks of the present invention monitors field, particularly relates to a kind of financial risks online monitoring system.
Background technique
In the prior art, internet financial product emerges one after another, at the important component of financial industry, and
Form risk project, risk investment and the risk assets of a large amount of internet financial product.The fast development of internet finance
While bringing flexible, easily innovative financial service for people, also gradually appear that such as platform runs away, fund is cashed
The problems such as difficult, brings very big loss to user, and therefore, there is an urgent need to one may be implemented financial product risk on-line monitoring
System.
Summary of the invention
It is an object of the invention to a kind of financial risks online monitoring systems, and the risk of internet financial product may be implemented
But also user can understand product situation with more intuitive while analysis, product is preferably carried out convenient for user
Selection is evaded with risk.
To achieve the above object, the invention adopts the following technical scheme:
A kind of financial risks online monitoring system, including
Data-mining module, interior imputation method editor module, for carrying out the acquisition of target finance data to be analyzed；
Finance data preprocessing module, for completing cleaning, conversion, load, feature extraction and the feature choosing of finance data
It selects；
Single factor test Risk Monitoring module, the risk for completing corresponding finance data based on preset risk assessment network model are commented
Estimate；
Risk integrative assessment module realizes the calculating analysis of single factor test Risk Monitoring result, output based on preset algorithm
Integrated risk assessment result；
Financial risks situation forecasts submodule, establishes short-term forecast unit using statistical regression and data-driven method, benefit
Short term money risk situation forecast information is generated with collected finance data；
Visualization model, it is aobvious for realizing the visualization of risk evaluation result and short term money risk situation forecast information
Show.
Further, the risk integrative assessment module includes
Single factor test risk Metrics construct module, for risk factors to be defined as the Risk Calculation factor and to each Risk Calculation
Factor assignment establishes single factor test risk Metrics；
Overall risk matrix constructs module, obtains overall risk matrix for doing operation of direct product to each single factor test risk Metrics；
Risk analysis module, for carrying out analysis output integrated assessment result to overall risk matrix.
It further, further include a Data Mining module, for carrying out distribution statistics, correlation analysis, hypothesis to data
Inspection and Density Estimator.
Further, the mode of the visualization display includes but is not limited to relational graph, map, thermodynamic chart, scatter plot, becomes
Gesture figure stacks figure.
It further, further include a simulation analysis module, for building financial risks simulation analysis mould by Simulink
Type carries out simulation analysis to the collected data of institute.
Further, the financial risks simulation analysis model building factor includes at least the collected financial number of institute at present
According to, Vehicles Collected from Market system, enterprise operation system, monetary system.
Further, the data-mining module, finance data preprocessing module and single factor test Risk Monitoring module one
One is correspondingly arranged.
It further, further include that a Regulation Policy executes tracing module, for acquiring the work of Regulation Policy execution in real time
State, the working condition include it is to be received, execute, terminate and abnormal.
The present invention is analyzed by the multifactor risk to internet financial product, and combines the market risk, policy
The external factors such as risk have carried out simulation analysis to the risk trend of the internet financial product, allow user more intuitive
Product situation is understood, the selection of product and evading for risk are preferably carried out convenient for user.
Detailed description of the invention
Fig. 1 is a kind of system block diagram of financial risks online monitoring system of the invention.
Specific embodiment
To keep the technical problem to be solved in the present invention, technical solution and advantage clearer, below in conjunction with attached drawing and tool
Body embodiment is described in detail.
As shown in Figure 1, the embodiment of the invention provides a kind of financial risks online monitoring systems, including
Data-mining module, interior imputation method editor module, for carrying out the acquisition of target finance data to be analyzed；
Finance data preprocessing module, for completing cleaning, conversion, load, feature extraction and the feature choosing of finance data
It selects；
Single factor test Risk Monitoring module, the risk for completing corresponding finance data based on preset risk assessment network model are commented
Estimate；
Risk integrative assessment module realizes the calculating analysis of single factor test Risk Monitoring result, output based on preset algorithm
Integrated risk assessment result；
Financial risks situation forecasts submodule, establishes short-term forecast unit using statistical regression and data-driven method, benefit
Short term money risk situation forecast information is generated with collected finance data；
Visualization model, it is aobvious for realizing the visualization of risk evaluation result and short term money risk situation forecast information
Show, understanding the case where convenient for user to the internet financial product；The mode of visualization display include but is not limited to relational graph,
Map, scatter plot, tendency chart, stacks figure at thermodynamic chart,
Data Mining module, for carrying out distribution statistics, correlation analysis, hypothesis testing and Density Estimator to data；
Simulation analysis module, for building financial risks simulation analysis model to the collected data of institute by Simulink
Carry out simulation analysis, financial risks simulation analysis model building factor include at least at present the collected finance data of institute,
Vehicles Collected from Market system, enterprise operation system, monetary system.By itself risk of internet financial product and the market risk, policy wind
Danger, enterprise business risk are combined, so as to realize the simulation analysis of internet financial product overall risk.
In the present embodiment, the risk integrative assessment module includes
Single factor test risk Metrics construct module, for risk factors to be defined as the Risk Calculation factor and to each Risk Calculation
Factor assignment establishes single factor test risk Metrics；
Overall risk matrix constructs module, obtains overall risk matrix for doing operation of direct product to each single factor test risk Metrics；
Risk analysis module, for carrying out analysis output integrated assessment result to overall risk matrix.
In the present embodiment, the data-mining module, finance data preprocessing module and single factor test Risk Monitoring module
It is multiple, and to be arranged in a one-to-one correspondence.
It further include that a Regulation Policy executes tracing module, for acquiring the work of Regulation Policy execution in real time in the present embodiment
Make state, the working condition include it is to be received, execute, terminate and abnormal, convenient for supervision department to Regulation Policy executive condition
Monitoring, to decrease the occurrence probability of financial risks to a certain extent.
This specific implementation is in use, carry out the volume of each data-mining module data gathering algorithm by algorithm editor module
Volume, to realize that the orientation of finance data excavates acquisition；Then the excavation that target data is carried out by data-mining module, will dig
The data dug are sent to the pretreatment that corresponding finance data preprocessing module completes data, and pretreated data difference is defeated
It send to single factor test Risk Monitoring module, financial risks situation forecast submodule and simulation analysis module, is supervised by single factor test risk
It surveys module and completes the single factor test risk assessment of finance data, and assessment result is delivered to risk integrative assessment module, risk is comprehensive
It closes evaluation module and each risk factors is defined as the Risk Calculation factor and to each Risk Calculation factor assignment, establish single factor test risk
Matrix；Then operation of direct product is done to each single factor test risk Metrics and obtains overall risk matrix；Finally based on risk analysis module to total
Risk Metrics carry out analysis output integrated assessment result.Forecast that submodule carries out single factor test risk situation by financial risks situation
The acquisition of forecast information, and short term money risk feelings are generated based on preset weighting algorithm and single factor test risk situation forecast information
Condition forecast information to visualization model is shown；The simulation analysis module is based on Simulink, completes pretreated number
According to the risk factors such as Vehicles Collected from Market system, enterprise operation system, monetary system, build financial risks simulation analysis model, it is complete
At the simulation analysis of finance data, to realize the acquisition of overall risk situation.
The above is a preferred embodiment of the present invention, it is noted that for those skilled in the art
For, without departing from the principles of the present invention, several improvements and modifications can also be made, these improvements and modifications
It should be regarded as protection scope of the present invention.
Claims (8)
1. a kind of financial risks online monitoring system characterized by comprising
Data-mining module, interior imputation method editor module, for carrying out the acquisition of target finance data to be analyzed；
Finance data preprocessing module, for completing cleaning, conversion, load, feature extraction and the feature selecting of finance data；
Single factor test Risk Monitoring module completes the risk assessment of corresponding finance data based on preset risk assessment network model；
Risk integrative assessment module realizes the calculating analysis of single factor test Risk Monitoring result, output integrated based on preset algorithm
Risk evaluation result；
Financial risks situation forecasts submodule, establishes short-term forecast unit using statistical regression and data-driven method, using adopting
The finance data collected generates short term money risk situation forecast information；
Visualization model, for realizing risk evaluation result and the visualization display of short term money risk situation forecast information.
2. a kind of financial risks online monitoring system as described in claim 1, which is characterized in that the risk integrative assessment mould
Block includes
Single factor test risk Metrics construct module, for risk factors to be defined as the Risk Calculation factor and to each Risk Calculation factor
Assignment establishes single factor test risk Metrics；
Overall risk matrix constructs module, obtains overall risk matrix for doing operation of direct product to each single factor test risk Metrics；
Risk analysis module, for carrying out analysis output integrated assessment result to overall risk matrix.
3. a kind of financial risks online monitoring system as described in claim 1, which is characterized in that further include a Data Mining mould
Block, for carrying out distribution statistics, correlation analysis, hypothesis testing and Density Estimator to data.
4. a kind of financial risks online monitoring system as described in claim 1, which is characterized in that the side of the visualization display
Formula includes but is not limited to relational graph, map, thermodynamic chart, scatter plot, tendency chart, stacking figure.
5. a kind of financial risks online monitoring system as described in claim 1, which is characterized in that further include a simulation analysis mould
Block carries out simulation analysis to the collected data of institute for building financial risks simulation analysis model by Simulink.
6. a kind of financial risks online monitoring system as claimed in claim 5, which is characterized in that the financial risks emulation point
It analyses model construction factor and includes at least the collected finance data of institute, Vehicles Collected from Market system, enterprise operation system, currency system at present
Degree.
7. a kind of financial risks online monitoring system as described in claim 1, which is characterized in that the data-mining module,
Finance data preprocessing module and single factor test Risk Monitoring module are arranged in a one-to-one correspondence.
8. a kind of financial risks online monitoring system as described in claim 1, which is characterized in that further include that a Regulation Policy is held
Row tracing module, for acquiring the working condition of Regulation Policy execution in real time, which includes to be received, execution, end
And it is abnormal.
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| CN201810946366.6A CN109214662A (en) | 2018-08-20 | 2018-08-20 | A kind of financial risks online monitoring system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109919471A (en) * | 2019-02-27 | 2019-06-21 | 河南鑫安利安全科技股份有限公司 | A kind of wisdom air control appraisal procedure and system |
| CN110335145A (en) * | 2019-07-12 | 2019-10-15 | 深圳众赢维融科技有限公司 | A kind of influence factor Dynamic Display method, apparatus, electronic equipment and storage medium |
| CN111091305A (en) * | 2019-12-25 | 2020-05-01 | 财智商业保理(天津)有限公司 | Financial risk prevention and control management system |
| CN113837481A (en) * | 2021-09-29 | 2021-12-24 | 深圳柏谷智能科技有限公司 | Financial big data management system based on block chain |
| WO2023130775A1 (en) * | 2022-01-07 | 2023-07-13 | 华中科技大学同济医学院附属协和医院 | Visual analysis system based on discipline evaluation report |
| CN116523659A (en) * | 2023-03-13 | 2023-08-01 | 武汉凌禹信息科技有限公司 | Financial data risk monitoring platform with real-time reminding function |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109919471A (en) * | 2019-02-27 | 2019-06-21 | 河南鑫安利安全科技股份有限公司 | A kind of wisdom air control appraisal procedure and system |
| CN110335145A (en) * | 2019-07-12 | 2019-10-15 | 深圳众赢维融科技有限公司 | A kind of influence factor Dynamic Display method, apparatus, electronic equipment and storage medium |
| CN111091305A (en) * | 2019-12-25 | 2020-05-01 | 财智商业保理(天津)有限公司 | Financial risk prevention and control management system |
| CN113837481A (en) * | 2021-09-29 | 2021-12-24 | 深圳柏谷智能科技有限公司 | Financial big data management system based on block chain |
| CN113837481B (en) * | 2021-09-29 | 2024-02-20 | 深圳市合绎信息科技有限公司 | Financial big data management system based on block chain |
| WO2023130775A1 (en) * | 2022-01-07 | 2023-07-13 | 华中科技大学同济医学院附属协和医院 | Visual analysis system based on discipline evaluation report |
| CN116523659A (en) * | 2023-03-13 | 2023-08-01 | 武汉凌禹信息科技有限公司 | Financial data risk monitoring platform with real-time reminding function |
| CN116523659B (en) * | 2023-03-13 | 2023-10-24 | 武汉凌禹信息科技有限公司 | Financial data risk monitoring platform with real-time reminding function |
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