CN111126955A - Business data analysis method, processing server and storage medium - Google Patents

Business data analysis method, processing server and storage medium Download PDF

Info

Publication number
CN111126955A
CN111126955A CN201911303841.9A CN201911303841A CN111126955A CN 111126955 A CN111126955 A CN 111126955A CN 201911303841 A CN201911303841 A CN 201911303841A CN 111126955 A CN111126955 A CN 111126955A
Authority
CN
China
Prior art keywords
data
service
business
compliance
processing
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201911303841.9A
Other languages
Chinese (zh)
Inventor
徐燕娜
蒋炜
刘焱军
罗丽华
左继新
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
China Construction Bank Corp
Original Assignee
China Construction Bank Corp
CCB Finetech Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by China Construction Bank Corp, CCB Finetech Co Ltd filed Critical China Construction Bank Corp
Priority to CN201911303841.9A priority Critical patent/CN111126955A/en
Publication of CN111126955A publication Critical patent/CN111126955A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2458—Special types of queries, e.g. statistical queries, fuzzy queries or distributed queries
    • G06F16/2462—Approximate or statistical queries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25—Integrating or interfacing systems involving database management systems
    • G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/28—Databases characterised by their database models, e.g. relational or object models
    • G06F16/283—Multi-dimensional databases or data warehouses, e.g. MOLAP or ROLAP
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Databases & Information Systems (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Data Mining & Analysis (AREA)
  • General Engineering & Computer Science (AREA)
  • Human Resources & Organizations (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Probability & Statistics with Applications (AREA)
  • Marketing (AREA)
  • Accounting & Taxation (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Computational Linguistics (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Software Systems (AREA)
  • Mathematical Physics (AREA)
  • Fuzzy Systems (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention provides a business data analysis method, a processing server and a storage medium, and relates to the technical field of data processing. The business data analysis method is applied to a data analysis system, the data analysis system comprises a processing server and a display device, and the business data analysis method comprises the following steps: extracting business data from a data warehouse to a data mart through a data warehouse interface and/or importing the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute; classifying and counting the service data based on the service attributes to obtain original statistical data; and analyzing and processing the original statistical data according to a preset rule to generate a processing result and displaying the processing result on display equipment. The method and the system can realize data integration, construct a data mart and form centralized display of the data.

Description

Business data analysis method, processing server and storage medium
Technical Field
The invention relates to the technical field of data processing, in particular to a business data analysis method, a processing server and a storage medium.
Background
At present, higher requirements are provided for the regulation work in internal and external situations, high-voltage situations are kept in domestic and foreign supervision, cases and serious violation events occur frequently, and higher requirements are provided for the control regulation in the banking industry. The global operation trend of large banks requires that the banking industry can systematically control key control measures in the high-risk field; and a whole group unified internal control compliance platform is established, advanced internal control compliance management is formed, and the operation capacity and the risk control capacity of a leading bank are improved.
At present, the banking industry lacks necessary technical means support for multiple core works of internal control compliance, a large amount of compliance data still adopts manual report mode offline statistics, lacks a compliance management view covering a whole group and each organization, lacks digitization, charification and trend monitoring analysis on important compliance indexes, and is difficult to draw a whole compliance management outline of the group and a compliance management situation picture of the organization.
Disclosure of Invention
The present invention is directed to provide a business risk determination method, apparatus, device and storage medium, which overcome the above-mentioned shortcomings in the prior art, and solve the problem that a user, once identified as a professional woolen party, may be blocked from all transactions.
In order to achieve the above purpose, the embodiment of the present invention adopts the following technical solutions:
in a first aspect, an embodiment of the present invention provides a service data analysis method, which is applied to a data analysis system, where the data analysis system includes a processing server and a display device, and the method includes:
extracting business data from a data warehouse to a data mart through a data warehouse interface and/or importing the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute;
classifying and counting the service data based on the service attributes to obtain original statistical data;
and analyzing and processing the original statistical data according to a preset rule to generate a processing result and displaying the processing result on display equipment.
In one embodiment, the service attributes include at least one of: business organization, business sponsor information, and business type.
In one embodiment, classifying and counting the service data based on the service attribute, and obtaining the original statistical data includes:
judging whether the service corresponding to the service data belongs to a compliance service or not based on a preset model;
classifying and counting the service data belonging to the compliance service according to service organization, sponsor information and/or service type to obtain violation statistical data;
according to a preset rule, analyzing and processing the original statistical data, generating a processing result and displaying the processing result on a display device, wherein the method further comprises the following steps:
and when the violation statistical data meet the preset conditions, generating a violation handling list, wherein the violation handling list comprises the business mechanism, the sponsor information and the business type.
In one embodiment, the business sponsor information and corresponding at least one sponsor score, the method further comprising:
and if the service corresponding to the service data belongs to the compliance service, deducting a first preset integral from the service sponsor integral, and if the service corresponding to the service data does not belong to the compliance service, adding a second preset integral to the service sponsor integral.
In one embodiment, the determining whether the service corresponding to the service data belongs to a compliance service based on a preset model includes:
and determining a first attribute corresponding to the service data according to the service mechanism, and judging whether the service corresponding to the service data belongs to the compliance service by adopting a model corresponding to the first attribute.
In one embodiment, according to a preset rule, analyzing and processing the raw statistical data, generating a processing result and displaying the processing result on a display device includes:
generating a visual graph from the original statistical data;
and sending the visual graph generated by the graph generation submodule.
In one embodiment, the business entity comprises: the organization name corresponding to the service data comprises: head office, domestic branch, overseas organization and subsidiaries; the service sponsor information includes: account number, user name, department and job level of the business manager; the business types comprise loan, transfer, remittance, simple foreign exchange buying and selling, trade financing, derivative products, structural financing, lease, introduction of strategic investors, and buying and selling.
In a second aspect, an embodiment of the present invention provides a processing server, where the processing server includes:
the data acquisition module extracts the business data from the data warehouse to the data mart through the data warehouse interface and/or imports the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute;
the data statistics module is used for classifying and counting the service data based on the service attributes to obtain original statistical data;
and the processing module is used for analyzing and processing the original statistical data according to a preset rule, generating a processing result and displaying the processing result on display equipment.
In one embodiment, the processing module comprises:
the compliance monitoring submodule judges whether the business corresponding to the business data belongs to compliance business or not based on a preset model;
and the compliance statistics submodule is used for carrying out classification statistics on the service data belonging to the compliance service according to the service organization, the information of the sponsor and/or the service type to obtain violation statistics data.
In one embodiment, the processing module further comprises:
the compliance early warning index submodule is used for acquiring and updating a compliance early warning index;
and the compliance early warning submodule sends out early warning when the violation statistical data exceeds the compliance early warning index.
In one embodiment, the processing module further comprises:
and the compliance report submodule generates a visual graph from the original statistical data and sends the visual graph generated by the generation submodule.
In one embodiment, the processing module further comprises:
and the violation handling submodule is used for generating a violation handling list when the violation statistical data meet the preset conditions, wherein the violation handling list comprises the service mechanism, the sponsor information and the service type.
In one embodiment, the processing module further comprises:
the point sub-module is used for deducting a first preset point from the corresponding business account of the business if the business corresponding to the business data belongs to the compliance business, and adding a second preset point to the corresponding business account of the business if the business corresponding to the business data does not belong to the compliance business; business sponsor information and corresponding at least one sponsor score.
In a third aspect, an embodiment of the present invention provides a processing server, where the processing server includes: the system comprises a processor, a storage medium and a bus, wherein the storage medium stores machine-readable instructions executable by the processor, when the processing server runs, the processor and the storage medium communicate through the bus, and the processor executes the machine-readable instructions to execute the steps of the business data analysis method of the first aspect.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program performs the steps of the business data analysis method according to the first aspect.
The method comprises the steps of extracting business data from a data warehouse to a data mart through a data warehouse interface and/or importing the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute; classifying and counting the service data based on the service attributes to obtain original statistical data; and analyzing and processing the original statistical data according to a preset rule to generate a processing result and displaying the processing result on display equipment. The invention mainly realizes designing a management information system, constructing a set of management tools and processes which effectively cover compliance, organically integrating compliance management information data, establishing a full-process internal control compliance information system comprising compliance examination, compliance inspection, violation rectification, violation treatment, internal control evaluation and the like, forming a full-collective-compliance panoramic view, carrying out full-process management on compliance work of internal and external institutions, effectively realizing digital management, graphical display, trend analysis and professional judgment of the compliance work, effectively improving the compliance informatization level and strengthening the financial risk management and control capability. The method and the system can realize the integration of the internal control compliance data, construct an internal control compliance data market and form the centralized display of the group compliance data. Calculation and access are separated, and the user query efficiency is improved; the important point-in-time section historical data storage is realized, the trend analysis and the data prediction of the compliance index data are supported, and the reference is provided for a decision maker. And secondly, the operation management platform, the operation flow platform and the report platform of the compliance work are constructed by constructing the compliance work. The online business support supporting the compliance work supports the development of a plurality of compliance core works such as internal control evaluation, compliance examination, violation handling, employee behavior integration, violation loss statistics, inspection rectification, compliance report and the like.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of embodiments of the invention.
In addition, any one of the embodiments in the present specification is not required to achieve all of the effects described above.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a schematic flow chart of a business data analysis method according to an embodiment of the present application;
FIG. 2 is a schematic diagram of a data warehouse and data mart data structure according to the present application;
FIG. 3 is a schematic diagram of a data acquisition process provided in an embodiment of the present application;
fig. 4 is a schematic diagram of a process of issuing an early warning according to another embodiment of the present application;
FIG. 5 is a schematic diagram of a processing server according to another embodiment of the present application;
fig. 6 is a schematic structural diagram of a processing server according to an embodiment of the present application;
fig. 7 is a schematic structural diagram of a service data analysis system according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention.
Some concepts related to the present disclosure are explained below.
Internal control is a process implemented by the board of directors, supervisors, management layers, and staff that aims to achieve control objectives. The internal control aims at reasonably ensuring legal compliance of bank operation management, asset safety, and the truth and completeness of financial reports and related information, improving operation efficiency and effect, and promoting banks to realize development strategy.
The risk assessment refers to timely identifying and systematically analyzing risks related to realizing internal control targets in operation activities by a bank, wherein the risks include inherent risks and residual risks, and risk coping strategies are reasonably determined. The bank carries out risk assessment, and the risk related to the realization of the internal control target is accurately identified, so that the corresponding risk tolerance is determined. The method specifically comprises target setting, risk identification, risk assessment and risk response and the like.
The compliance inspection refers to a series of work of making, innovating, revising and adjusting new services, new products, important projects and the like by an internal control compliance department and a service department according to related legal rules, and implementing prior compliance risk identification, assessment, control, analysis, judgment and improvement of internal control effectiveness. The method is an important means for managing and intervening the business process in compliance and preventing and controlling the business compliance risk in advance.
The compliance inspection is the compliance inspection of the operation and management activities of the local organization of each level of compliance department, and is divided into comprehensive inspection, special inspection, assault inspection and flight inspection, and can adopt on-site and off-site inspection modes.
The violation loss statistics refers to statistics of various capital and property loss conditions caused by violation according to a classification statistical principle, and a corresponding working mechanism is formed. Including regulatory penalty losses, case losses, loss of complaint event violations, loss of credit violations, and loss of other violations.
The internal control monitoring refers to a process of continuously monitoring and periodically reporting the risk control condition by taking a computer system or manual calculation as an auxiliary means under the control of a bank internal control department, so as to realize the continuous and efficient operation of the bank business line and the branch internal control system.
The internal control early warning means that a bank designs a reasonable fluctuation range (namely an early warning threshold value) for internal control monitoring indexes according to internal and external supervision rules, leading practical experience and actual conditions of the bank, and once the measuring result of the indexes deviates from a preset range, an early warning alarm is automatically given according to the serious condition of the indexes so as to timely standardize the operation process of an internal control system.
The internal control monitoring index is a process which is guided by a bank internal control department, takes a computer system or manual calculation as an auxiliary means, continuously monitors and periodically reports the risk control condition, and realizes continuous and efficient operation of a bank business line and a branch internal control system.
Fig. 1 is a schematic flow chart of a business data analysis method provided in an embodiment of the present application, and is applied to a data analysis system, where the data analysis system includes a processing server and a display device, as shown in fig. 1, the method includes:
s101, extracting business data from a data warehouse to a data mart through a data warehouse interface and/or importing the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute;
the service data at least comprises system parameter data, operation trace data, service process data and service result data.
Wherein the service attribute comprises at least one of: business organization, business sponsor information, and business type.
In one embodiment, the business entity comprises: the organization name corresponding to the service data comprises: head office, domestic branch, overseas organization and subsidiaries; the service sponsor information includes: account number, user name, department and job level of the service manager.
Fig. 2 is a schematic diagram of a data structure of a data warehouse and a data mart, and as shown in fig. 2, a normalized schema (relational database design theory) adopted by the data structure in the data warehouse and a star schema (multidimensional database design theory) adopted by the data structure in the data mart are adopted. The granularity of data in the data warehouse is finer than that of the data marts.
Suppose that a data warehouse of branch level is constructed for a certain bank, and then a data mart is constructed for the international business ministry of branch. The data of the data warehouse is derived from a business system of a bank, and the data warehouse comprises: savings, cards, individual credits, foreign exchange treasures, intermediate businesses, etc., with the subject of the analysis including the customer, channel, product, etc. The data granularity of the data warehouse is determined according to the analysis requirements, and generally comprises specific historical records (deposit, withdrawal, foreign exchange transaction, POS consumption and intermediate service payment records), and then the records are gathered to various levels of days/weeks/months/quarters/years and the like, and the specific data granularity is determined according to the analysis requirements. In addition, the data warehouse also stores some business logic — some metrics computed for analysis. Such as the value of the customer or loyalty of the customer.
The calculation of these indexes cannot be performed by a single business system, and needs to be considered comprehensively on all businesses, which is also one of the advantages of the data warehouse system. Assuming that there are 20 ten thousand customers in the entire branch, the data warehouse will contain the historical data, summary data, and data warehouse index data of all the businesses of 20 ten thousand customers, and the data volume will reach tens or even hundreds of G (this is a very small-scale data warehouse). The data warehouse can only adopt a normal design in order to meet the query and analysis of all department users in all rows, so that the requirements of the users can be met as long as data exist. Further, suppose that the customers of the international business department have 2 million people (using the fx treasures), and if the data marts are not constructed, the customers can directly inquire related information on the data warehouse, such as the distribution of the fx trading volume of the fx treasures customers in the last year on various trading modes (counters, online, telephone banks, and the like).
The efficiency and performance of querying in the data warehouse are very low, and if all users in each department query related information directly on the data warehouse, the performance of the data warehouse is reduced and the requirements of the users on the performance cannot be met. Data marts are constructed, primarily based on performance considerations. The data mart of the international business sector includes the foreign exchange transaction history of 2 million customers, as well as a summary, in a star-like pattern (or snowflakes, or a mixture of both) to facilitate the query and analysis of the OLAP tool. From this simple example, it can be seen that the data for the data marts is sourced from the data warehouse, primarily the summarized data that has undergone reorganization.
And if the online monitoring is carried out, the online data is directly obtained from the data warehouse, and if the offline monitoring is carried out, the offline data is obtained by related personnel with authority and is logged into an internal control compliance system for data entry. The business data in the data marts may be an integration of online acquisition and offline input. As shown in particular in figure 3.
S102, classifying and counting the service data based on the service attributes to obtain original statistical data;
the business data may be counted by one or more of the business attributes, for example, the business data may be counted for a certain sub-bank, or the business data may be counted for the information of the dealer of a certain group, and the disclosure is not limited thereto. The specific statistical requirements are set according to specific requirements.
The business types include loan, transfer, remittance, simple foreign exchange buying and selling, trade financing, derivative products, structural financing, lease, introduction of strategic investors, and procurement and marketing.
And S103, analyzing and processing the original statistical data according to a preset rule, generating a processing result and displaying the processing result on display equipment.
According to a preset rule, analyzing and processing the original statistical data, generating a processing result and displaying the processing result on a display device, wherein the processing result comprises the following steps:
generating a visual graph from the original statistical data;
and sending the visual graph generated by the graph generation submodule.
In one embodiment, classifying and counting the service data based on the service attribute, and obtaining the original statistical data includes:
judging whether the service corresponding to the service data belongs to a compliance service or not based on a preset model;
classifying and counting the service data belonging to the compliance service according to service organization, sponsor information and/or service type to obtain violation statistical data;
a flow data collection and management platform covering the violation losses such as supervision penalties, credit, complaints and the like is established, the original manual data statistics mode is comprehensively replaced, and the timeliness and the accuracy of data collection and use are effectively improved. The method has the advantages that firstly, the full-process management of the supervision penalty loss is realized, and the complete process of the entry, the audit, the management and the subsequent disposal of the supervision penalty is covered; secondly, standardized classification and management of supervision penalty data are realized, and various contents such as institution and personnel penalty, economic penalty and non-economic penalty, penalty service classification, penalty payment, penalty point combing and the like are covered; third, realize the supervision punishment data sharing and output, the business line department can log on the system and conveniently look over all kinds of supervision punishment information, punishment point carding information, adopt the pertinence measure to strengthen this line compliance management; and fourthly, electronic collection and statistics of illegal losses such as credit and complaint events are realized, manual reports are reduced, and the operation quality and efficiency of data statistical analysis are further improved.
The violation handling work management platform with comprehensive functions and detailed contents is completely constructed, and the whole flow of various violation events, handling measures and processes is effectively covered. The method comprises the following steps of firstly, realizing full coverage of event types, including cases, case risks, particularly serious violation events, general violation events and slight violation events; secondly, realizing the full coverage of disposal processes, including the whole processes of emergency treatment, event reporting, responsibility confirmation, adoption of compliance management measures and the like; thirdly, realizing the full coverage of the disposal mode, including seven classes of violation mechanisms and nine classes of compliance management measures for violation responsible persons; fourthly, dynamic management of the handling process is realized, the handling process and the progress condition of the event can be dynamically updated at any time, and the latest change and the handling progress of various violation events are clear at a glance; fifthly, violation treatment is positioned to specific mechanisms and personnel, compliance information of various mechanisms and personnel is aggregated, digital management and trend analysis are realized, compliance files of the mechanisms and the personnel are formed, and a solid foundation is laid; and sixthly, a standardized handling receiving management framework is constructed, the operation flow from the supervision penalty to the subsequent handling is opened, and the subsequent handling flow for expanding the violation events of other sources can be flexibly received in the future.
According to a preset rule, analyzing and processing the original statistical data, generating a processing result and displaying the processing result on a display device, wherein the method further comprises the following steps:
and when the violation statistical data meet the preset conditions, generating a violation handling list, wherein the violation handling list comprises the business mechanism, the sponsor information and the business type.
Optionally, the service sponsor information and the corresponding at least one sponsor score, the method further comprising:
and if the service corresponding to the service data belongs to the compliance service, deducting a first preset integral from the service sponsor integral, and if the service corresponding to the service data does not belong to the compliance service, adding a second preset integral to the service sponsor integral.
The method realizes the full-flow online operation of the employee behavior integration, comprehensively replaces the original manual integration and offline statistical mode, fully exerts the advantages of the information system in the aspects of flow processing and data analysis, and realizes the standardization of the employee behavior integration operation flow and service management and the intellectualization of data analysis and statistics. Firstly, a complete and standardized point operation process is realized, and illegal points and reward point records are generated and processed on line, so that point processing operations of mechanisms at all levels are standardized, and unified storage and tracing of employee behavior point records are guaranteed; secondly, a batch employee behavior integral processing function is realized, a batch import and audit function of an integral record sheet is developed aiming at the condition of checking multiple-person integral at one time, and the batch integral processing workload of a basic institution is reduced to the maximum extent; thirdly, the employee behavior integral records are bound to people, and a foundation is laid for the aggregation of employee compliance information; fourthly, the violation treatment and employee behavior integral flow is opened, the integral flow can be directly started in the violation treatment module aiming at integral treatment measures of violation personnel, and data are simultaneously stored in the violation treatment and employee behavior integral database, so that the consistency of violation treatment operation is ensured, and the integrity and the accuracy of the integral database are also ensured; fifthly, the functions of early warning monitoring and trend analysis of accumulated points of staff are realized, information such as accumulated points of the staff in the current year, performance and trend of the accumulated points in the past year and the like can be directly checked through the mode that a system automatically generates an instrument panel, a trend graph and the like, and the situation of meeting the work of the staff can be intuitively known.
Optionally, the determining, based on the preset model, whether the service corresponding to the service data belongs to a compliance service includes:
and determining a first attribute corresponding to the service data according to the service mechanism, and judging whether the service corresponding to the service data belongs to the compliance service by adopting a model corresponding to the first attribute.
Wherein the first attribute may be such that the service data corresponds to a country or region, such as the united kingdom, the united states, etc., in which the service occurs. Each country and region may have different requirements for the regulations, with different countries or regions corresponding to different models.
In the embodiment, if the method is directed at overseas branch lines, the method covers special compliance management work such as overseas organization supervision check and problem rectification, compliance check and problem rectification, supervision communication, anti-money laundering, compliance report and the like, supports a Chinese and English bilingual working environment, realizes flexible customized overseas compliance report forms, and promotes and improves the digitization level of overseas organization compliance management.
And the system supports the registration, management, inquiry and statistical analysis of the general distribution aiming at the business, product and important project compliance examination results. The compliance review function is realized, the compliance risk points of the review items and the corresponding supervision rules are verified, and the compliance review workflow is normalized; the system has the functions of batch import, review table export, supervision rule base and the like, and improves the working efficiency of compliance review. The manual registration of the ledger is distinguished, and the report is supported to be exported by one key; and displaying the multi-dimensional multi-level view to form a compliance review management map.
In one embodiment, the method further comprises:
acquiring and updating a compliance early warning index;
and when the violation statistical data exceed the compliance early warning index, giving out early warning.
In this embodiment, different early warning indicators also exist for different statistical requirements, and as shown in fig. 4, the manner of sending out the early warning may be an indication early warning prompt or an indication wave monitoring chart.
In this embodiment, the system is designed and implemented based on the J2EE technical architecture. The display part realizes the processing of the compliance business flow and the interaction of personnel through a uniform JAVA display interface, the realization of the interface function depends on the transaction processing of the server side, and meanwhile, the business display is carried out based on the transaction condition returned by the back end. The server is an application flow system based on J2EE architecture and modular design, receives a service request sent by the presentation layer, completes the specific implementation of business logic, and returns a result to the presentation layer. And the data acquisition part is a data mart based on a GreenPlum data warehouse platform, and realizes the integration, monitoring and analysis of the standard data. On the aspect of report data display, a flexible report mode is utilized to support business personnel to independently define a report format and a visual graph display mode, the query of detailed data is supported, and meanwhile, a fixed report meeting the supervision requirement is generated based on the specificity of compliance.
Fig. 5 is a schematic structural diagram of a processing server according to another embodiment of the present application.
As shown in fig. 5, the business risk determining apparatus includes a data obtaining module 501, a data statistics module 502, and a processing module 503;
the data acquisition module 501 extracts service data from a data warehouse to a data mart through a data warehouse interface and/or imports the service data input by a user into the data mart through a preset interface; the service data is carried by the service attribute;
a data statistics module 502, which performs classification statistics on the service data based on the service attributes to obtain original statistical data;
the processing module 503 analyzes and processes the original statistical data according to a preset rule, generates a processing result, and displays the processing result on a display device.
In one embodiment, the processing module 503 includes: the rule monitoring submodule judges whether the business corresponding to the business data belongs to the compliance business or not based on a preset model;
and the compliance statistics submodule is used for carrying out classification statistics on the service data belonging to the compliance service according to the service organization, the information of the sponsor and/or the service type to obtain violation statistics data.
Optionally, the processing module 503 further includes:
the compliance early warning index submodule is used for acquiring and updating a compliance early warning index;
and the compliance early warning submodule sends out early warning when the violation statistical data exceeds the compliance early warning index.
Optionally, the processing module 503 further includes:
and the compliance report submodule generates a visual graph from the original statistical data and sends the visual graph generated by the generation submodule.
In the embodiment, a compliance view covering two levels of a group and an organization is established, the digitization, the diagrammatization and the trend display of a plurality of compliance indexes and information are realized by aggregating compliance information and data in each field, instrument panel monitoring, longitudinal step-by-step drilling and transverse comparative analysis of compliance management information data are supported, and the digitization level of the compliance management is powerfully promoted and improved. The system and method cover the whole-field compliance view of system management, supervision penalty, supervision case, internal control evaluation, anti-money laundering supervision and rating, compliance audit, violation event, associated transaction, operation risk, anti-money laundering customer identity identification, customer money laundering risk assessment, large-amount transaction and suspicious transaction, inventory monitoring, outside-border institution compliance management and the like. In addition, the automatic capture function of dynamic information of monitoring organizations such as people's banks, bank insurance monitoring meetings, certificate monitoring meetings, foreign exchange offices and the like is realized, and the monitoring information is timely pushed to users at all levels of the system, so that compliance personnel and service personnel of all levels of organizations are helped to know latest monitoring dynamic and requirements in time.
Optionally, the processing module 503 further includes:
and the violation handling submodule is used for generating a violation handling list when the violation statistical data meet the preset conditions, wherein the violation handling list comprises the service mechanism, the sponsor information and the service type.
Optionally, the processing module 503 further includes:
and the compliance management tool establishes a compliance work assessment system according to the violation disposal list.
Aiming at the working characteristics of the compliance line, tools such as assessment and evaluation, convenient data statistics and the like are realized, and compliance work development is supported and promoted to the maximum extent. Firstly, a flexible compliance work assessment and evaluation tool is established, the online establishment of a scoring task, the customization of an evaluation mechanism and scoring indexes, the initiation of a scoring process, the automatic calculation and the summary display of scoring results are supported, and a head office, a first-level branch and a second-level branch can all utilize the tool to carry out related assessment and evaluation work; and secondly, a convenient data statistical tool is established, the data statistical tool is developed in a targeted manner aiming at the characteristics that the number of supervision and inspection projects is large, various temporary data statistical work tasks are large and the like of a compliance line, a statistical task can be flexibly established by a general branch, the statistical frequency, the data statistical items and the statistical paths are freely customized, the system can automatically perform statistics on data filled or imported by all levels of mechanisms, the total workload of manual aggregation is greatly reduced, and the work efficiency and the data quality are improved.
Optionally, the processing module 503 further includes:
the point sub-module is used for deducting a first preset point from the corresponding business account of the business if the business corresponding to the business data belongs to the compliance business, and adding a second preset point to the corresponding business account of the business if the business corresponding to the business data does not belong to the compliance business; business sponsor information and corresponding at least one sponsor score.
By the embodiment of the invention, the whole process of the internal control evaluation test task can be established according to the big data, including configuration of an evaluation point, pushing of sample data, determination of a task receiving mechanism or a task receiving person and the like, and unified management of the internal control evaluation test task and statistical summarization of evaluation results are realized through a top-down task management process. In addition, an internal control defect management application is established, and after problem information found in each channel is analyzed and refined, internal control defects are formed, so that the full-flow online management of the internal control defects is realized, including defect identification, classification, grading, confirmation, rectification, verification and the like and data statistical analysis. And secondly, establishing an internal control evaluation application, establishing an internal control evaluation task, distributing and managing the evaluation indexes according to the home department, and realizing online filling, auditing, summarizing, analyzing and counting of the internal control evaluation result. And thirdly, establishing an internal control evaluation report function, and realizing systematic reporting and automatic statistics of internal control evaluation information data. And the defects found by the internal control evaluation are digitally measured and then are converted into a view form to be displayed, and internal control defect results of the whole line, each first-level branch line, each overseas branch line and each subsidiary company are intuitively and visually reflected. And finally, establishing a problem library, establishing a problem information collection center, acquiring data of each channel by various means such as system grabbing and the like, and providing information input for defect management. And establishing a problem information data standard, and converting and storing the data of each channel according to a uniform data standard.
The internal control and compliance integrated information system improves the compliance management level of the whole line. One is to help reduce cases, violations, regulatory penalties, property damage and negative public opinion due to violations. Currently, international supervision is continuously tightened, supervision penalties of 'large bills' appear frequently, and domestic supervision pressure is unprecedented. Through the construction of a group compliance management platform, strong scientific and technological compliance is adopted, the efficiency and precision of violation discovery are improved by utilizing a big data technology, violation problems, violation events and the problems of rule, product, system, flow and management exposed by violation loss in design and execution are disclosed and solved, internal control is improved, the compliance management level is improved, and various losses and adverse effects caused by violation are greatly reduced; secondly, the working efficiency and the data quality of the compliance line are greatly improved, the service function is integrated, and the workload of each level of service mechanism is reduced; thirdly, the problems of data dispersion, insufficient data analysis and early warning capability and the like in the field of all-in-line control and compliance are solved by constructing an all-in-line control and compliance data mart and fully sharing the work result, the regulation and the data information; and the data value is deeply mined by means of new technologies such as big data, artificial intelligence and the like, the information application is strengthened, and powerful reference exploration is provided for management decisions.
These above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), or one or more microprocessors (DSPs), or one or more Field Programmable Gate Arrays (FPGAs), among others. For another example, when one of the above modules is implemented in the form of a processing element scheduler code, the processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. For another example, these modules may be integrated together and implemented in the form of a system-on-a-chip (SOC).
Fig. 6 is a schematic structural diagram of a processing server according to an embodiment of the present application.
As shown in fig. 6, the processing server includes: a processor 601, a storage medium 602, and a bus 603, wherein:
the processing server may comprise one or more processors 601, a bus 603 and a storage medium 602, wherein the storage medium 602 is used for storing programs, the processor 601 is connected with the storage medium 602 through the bus 603 in a communication manner, and the processor 601 calls the programs stored in the storage medium 602 to execute the above-mentioned method embodiments.
It is noted that processor 601 may include one or more processing cores (e.g., a single-core processor or a multi-core processor). Merely by way of example, a Processor may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), an Application Specific Instruction Set Processor (ASIP), a Graphics Processing Unit (GPU), a Physical Processing Unit (PPU), a Digital Signal Processor (DSP), a Field Programmable Gate Array (FPGA), a Programmable Logic Device (PLD), a controller, a microcontroller Unit, a Reduced Instruction Set computer (Reduced input Set Computing), a microprocessor, or the like, or any combination thereof.
The storage medium 602 may include: including mass storage, removable storage, volatile Read-and-write memory, or Read-only memory (ROM), among others, or any combination thereof. By way of example, mass storage may include magnetic disks, optical disks, solid state drives, and the like; removable memory may include flash drives, floppy disks, optical disks, memory cards, zip disks, tapes, and the like; volatile read-write Memory may include Random Access Memory (RAM); the RAM may include Dynamic RAM (DRAM), Double data Rate Synchronous Dynamic RAM (DDR SDRAM); static RAM (SRAM), Thyristor-Based Random access Memory (T-RAM), Zero-capacitor RAM (Zero-RAM), and the like. By way of example, ROMs may include Mask Read-Only memories (MROMs), Programmable ROMs (PROMs), erasable Programmable ROMs (PERROMs), Electrically Erasable Programmable ROMs (EEPROMs), compact disk ROMs (CD-ROMs), digital versatile disks ROMs, and the like.
For ease of illustration, only one processor 601 is depicted in the processing server. However, it should be noted that the processing server in the present application may also include a plurality of processors 601, and thus the steps performed by one processor described in the present application may also be performed by a plurality of processors in combination or individually. For example, if the processor 601 of the processing server executes step a and step B, it should be understood that step a and step B may also be executed by two different processors together or executed in one processor separately. For example, a first processor performs step a and a second processor performs step B, or the first processor and the second processor perform steps a and B together.
Optionally, the present invention further provides a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the computer program performs the steps of the service data analysis method.
Fig. 7 is a business data analysis system provided by the present disclosure, where the system includes any one of the processing servers, and a specific application is integrated with an internal control and compliance information system of a bank, and a specific sub-module corresponding to a processing module in the processing server corresponds to a monitoring and early warning index, a compliance tool, a compliance monitoring, a compliance early warning, a compliance report, a compliance application, and the like in the data analysis system of fig. 7, respectively.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional unit.
The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods according to the embodiments of the present invention. And the aforementioned storage medium includes: a U disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.

Claims (10)

1. A business data analysis method is applied to a data analysis system, the data analysis system comprises a processing server and a display device, and the method comprises the following steps:
extracting business data from a data warehouse to a data mart through a data warehouse interface and/or importing the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute;
classifying and counting the service data based on the service attributes to obtain original statistical data;
and analyzing and processing the original statistical data according to a preset rule to generate a processing result and displaying the processing result on display equipment.
2. The analysis method according to claim 1, wherein the service attribute comprises at least one of: business organization, business sponsor information, and business type.
3. The analysis method according to claim 2, wherein the classifying and counting the service data based on the service attribute to obtain the original statistical data comprises:
judging whether the service corresponding to the service data belongs to a compliance service or not based on a preset model;
classifying and counting the service data belonging to the compliance service according to service organization, sponsor information and/or service type to obtain violation statistical data;
according to a preset rule, analyzing and processing the original statistical data, generating a processing result and displaying the processing result on a display device, wherein the method further comprises the following steps:
and when the violation statistical data meet the preset conditions, generating a violation handling list, wherein the violation handling list comprises the business mechanism, the sponsor information and the business type.
4. The analytics method of claim 3, wherein the business sponsor information and the corresponding at least one sponsor score, the method further comprising:
and if the service corresponding to the service data belongs to the compliance service, deducting a first preset integral from the service sponsor integral, and if the service corresponding to the service data does not belong to the compliance service, adding a second preset integral to the service sponsor integral.
5. The analysis method according to claim 3, wherein the determining whether the service corresponding to the service data belongs to a compliance service based on a preset model comprises:
and determining a first attribute corresponding to the service data according to the service mechanism, and judging whether the service corresponding to the service data belongs to the compliance service by adopting a model corresponding to the first attribute.
6. The analysis method according to claim 1, wherein the analyzing the raw statistical data according to the preset rule, and generating and displaying a processing result on a display device comprises:
generating a visual graph from the original statistical data;
and sending the visual graph.
7. The analysis method of claim 2, wherein the business entity comprises: the organization name corresponding to the service data comprises: head office, domestic branch, overseas organization and subsidiaries; the service sponsor information includes: account number, user name, department and job level of the business manager; the business types include loan, transfer, remittance, simple foreign exchange buying and selling, trade financing, derivative products, structural financing, lease, introduction of strategic investors, and procurement and marketing.
8. A processing server, characterized in that the processing server comprises:
the data acquisition module extracts the business data from the data warehouse to the data mart through the data warehouse interface and/or imports the business data input by a user into the data mart through a preset interface; the service data is carried by the service attribute;
the data statistics module is used for classifying and counting the service data based on the service attributes to obtain original statistical data;
and the processing module is used for analyzing and processing the original statistical data according to a preset rule, generating a processing result and displaying the processing result on display equipment.
9. A processing server, comprising: a processor, a storage medium and a bus, the storage medium storing machine-readable instructions executable by the processor, the processor and the storage medium communicating via the bus when the processing server is running, the processor executing the machine-readable instructions to perform the steps of the business data analysis method of any one of claims 1 to 7.
10. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, performs the steps of the business data analyzing method of any one of claims 1 to 7.
CN201911303841.9A 2019-12-17 2019-12-17 Business data analysis method, processing server and storage medium Pending CN111126955A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201911303841.9A CN111126955A (en) 2019-12-17 2019-12-17 Business data analysis method, processing server and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201911303841.9A CN111126955A (en) 2019-12-17 2019-12-17 Business data analysis method, processing server and storage medium

Publications (1)

Publication Number Publication Date
CN111126955A true CN111126955A (en) 2020-05-08

Family

ID=70499418

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201911303841.9A Pending CN111126955A (en) 2019-12-17 2019-12-17 Business data analysis method, processing server and storage medium

Country Status (1)

Country Link
CN (1) CN111126955A (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112417836A (en) * 2020-11-27 2021-02-26 智业软件股份有限公司 Automatic table generation method, terminal equipment and storage medium
CN112613724A (en) * 2020-12-18 2021-04-06 远光软件股份有限公司 Compliance assessment method and device for enterprise, storage medium and electronic equipment
CN113516545A (en) * 2021-04-22 2021-10-19 建信金融科技有限责任公司 Internal control compliance service management method and device
CN113805783A (en) * 2021-08-09 2021-12-17 广东润联信息技术有限公司 Interface display processing method for subscription type service data analysis and related equipment

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106709652A (en) * 2016-12-27 2017-05-24 中国建设银行股份有限公司 Multi-dimensional metering system and method for employee performances
CN108829731A (en) * 2018-05-15 2018-11-16 吉贝克信息技术（北京）有限公司 Data analysing method, system, computer readable storage medium and electric terminal
CN109615538A (en) * 2018-12-13 2019-04-12 平安医疗健康管理股份有限公司 Social security violation detection method, device, equipment and computer storage medium
CN110322218A (en) * 2019-06-12 2019-10-11 山大地纬软件股份有限公司 Intelligent society insurance business operation and monitoring method and system
CN110544035A (en) * 2019-08-30 2019-12-06 中国南方电网有限责任公司 internal control detection method, system and computer readable storage medium

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106709652A (en) * 2016-12-27 2017-05-24 中国建设银行股份有限公司 Multi-dimensional metering system and method for employee performances
CN108829731A (en) * 2018-05-15 2018-11-16 吉贝克信息技术（北京）有限公司 Data analysing method, system, computer readable storage medium and electric terminal
CN109615538A (en) * 2018-12-13 2019-04-12 平安医疗健康管理股份有限公司 Social security violation detection method, device, equipment and computer storage medium
CN110322218A (en) * 2019-06-12 2019-10-11 山大地纬软件股份有限公司 Intelligent society insurance business operation and monitoring method and system
CN110544035A (en) * 2019-08-30 2019-12-06 中国南方电网有限责任公司 internal control detection method, system and computer readable storage medium

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112417836A (en) * 2020-11-27 2021-02-26 智业软件股份有限公司 Automatic table generation method, terminal equipment and storage medium
CN112613724A (en) * 2020-12-18 2021-04-06 远光软件股份有限公司 Compliance assessment method and device for enterprise, storage medium and electronic equipment
CN113516545A (en) * 2021-04-22 2021-10-19 建信金融科技有限责任公司 Internal control compliance service management method and device
CN113516545B (en) * 2021-04-22 2023-04-28 建信金融科技有限责任公司 Internal control compliance service management method and device
CN113805783A (en) * 2021-08-09 2021-12-17 广东润联信息技术有限公司 Interface display processing method for subscription type service data analysis and related equipment
CN113805783B (en) * 2021-08-09 2022-06-10 广东润联信息技术有限公司 Interface display processing method for subscription type service data analysis and related equipment

Similar Documents

Publication Publication Date Title
Umar et al. The effect of internal control on performance of commercial banks in Nigeria
CN111126955A (en) Business data analysis method, processing server and storage medium
CN110046337B (en) Financial data acquisition method and system
CN108846691A (en) Regional grain and oil market price monitoring analysing and predicting system and monitoring method
CN109325839A (en) A kind of VAT invoice applied analysis system based on large data center
Liuhong [Retracted] Research on Tax Collection and Administration Application and Legal Issues Based on Big Data Analysis
Umar et al. Effect of internal control on performance of commercial banks in Nigeria: A proposed framework
JP2003036346A (en) Method for evaluating operational risk and its system
Al-Halabi et al. The impact of designing accounting information systems on the level of accounting conservatism-a field study
CN116228402A (en) Financial credit investigation feature warehouse technical support system
Kochinev et al. Formalization of analytical procedures for assessing the risks of material misstatement in financial statements due to fraud
JP2003036343A (en) Method of operational risk management and its system
CN113469801A (en) Method and device for determining audit result
CN112396349A (en) Data quality monitoring method based on business entity
TWI634498B (en) Business operations analysis system and method
Jing et al. Research on Data Assets and Their Appraisal Models
Albadainah The Applicability of AIS Practices within Modern Business Environment–Case Study of Amman Stock Exchange
Li et al. [Retracted] Function Extraction Based on CFPS and Digital Financial Index: Data Mining Techniques for Prognosis of Operational Risks of Financial Institutions
Yusnita et al. An Analysis On The Factors Which Influence Financial Statement Quality Of The Langkat District Administration With Managerial Commitment As Moderating Variable
CN112470175B (en) Audit support system, audit support server device, audit support terminal, audit support program, and audit support method
Yanjun Study on computer audit based on OLAP technology
KR20180062469A (en) Optimization diagnostic system of business and IT system
Zhao et al. Exploring big data applications for public resource transaction
Dunga Factors Influencing the Alignment Index of Accounting Information System in Vietnamese Enterprises
Pina Business Analytics Solutions Implementation in the Insurance Market: Focus on Commercial Property Line of Business

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
TA01 Transfer of patent application right

Effective date of registration: 20220926

Address after: 25 Financial Street, Xicheng District, Beijing 100033

Applicant after: CHINA CONSTRUCTION BANK Corp.

Address before: 25 Financial Street, Xicheng District, Beijing 100033

Applicant before: CHINA CONSTRUCTION BANK Corp.

Applicant before: Jianxin Financial Science and Technology Co.,Ltd.

TA01 Transfer of patent application right