CN114254908A - Risk perception and supervision platform for regional financial non-bank financial institution - Google Patents

Abstract

The invention provides a risk perception and supervision platform for regional financial non-bank financial institutions, belongs to the field of regional financial supervision, and monitors, discovers and warns about the stable development condition of regional finance and illegal financial activity behaviors. The regional financial situation perception system needs to extract relevant information related to financial states and illegal financial activities from massive information, and dynamically monitors enterprise data, government data news, public opinion data and the like in 7x24 hours. The presentation mode mainly scores and grades the enterprise quantification through a risk analysis model. And displaying the financial state statistical analysis condition of each province and city in different dimension display areas, the risk monitoring statistical analysis condition of each province and city financial business in different dimension display areas and the illegal funding index condition.

Description

Risk perception and supervision platform for regional financial non-bank financial institution

Technical Field

The invention relates to the field of regional financial supervision, in particular to a risk perception and supervision platform for regional financial non-bank financial institutions.

Background

The characteristics of regional financial industry, the mature advanced technology and the technical development trend of the financial industry are comprehensively considered, an elastic platform framework which is easy to expand and maintain is constructed, the whole platform is ensured to have good integratability, meanwhile, the prospect of the technology is realized, and the development trend of industrial informatization application is met. The application field of the virtualization technology relates to multiple aspects such as servers, storage, networks, applications, desktops and the like, and different types of virtualization technologies solve different system performance problems from different angles. The information center realizes the full-system virtualization spanning the IT framework based on the virtualization technology, performs unified management, allocation and monitoring on all resources, simply and effectively integrates a large amount of dispersed physical resources which are not fully utilized into a single large virtual resource on the premise of not expanding important physical resources, and enables the large virtual resource to operate efficiently for a long time, thereby maximizing the energy efficiency and the resource utilization rate.

The data exchange integration technology is a core technology for realizing resource sharing exchange. The switch integration technology must first have full openness and compatibility. In view of the need to access a variety of different systems and data interfaces, the system needs to meet a variety of international industry standards, be able to interface with existing, common data carriers, support XML standard data exchange and provide customisation of data access. Through the data integration technology, the project can complete the definition of data integration and exchange flow in a mode of accumulating software modules, and can be gradually changed according to the business requirements.

The data fusion refers to a process of uniformly extracting data from different sources, performing conversion processing according to a certain coding rule, and then uniformly performing storage management. Through data fusion, data which are from different sources and are related to services can be integrated and then provided for an upper layer application to use. The data fusion comprises the processes of data extraction, cleaning, conversion, loading and the like. The data processing method realizes that required data are extracted from data sources of different types (structured data and unstructured data) according to rules, and the data are loaded to a data center for unified management and use according to a predefined data warehouse model after data processing and cleaning.

Disclosure of Invention

In order to solve the technical problems, the invention provides a risk sensing and supervision platform for regional financial non-bank financial institutions, which establishes a financial supervision and coordination mechanism, carries out data monitoring management on various regional financial enterprises such as small loan companies, financing guarantee companies, quotation, financing lease companies, commercial insurance companies, local asset management companies and the like, grasps the local financial state conditions, provides data support for local financial statistics, supervision and decision-making, and aims to strengthen the supervision capability of the institutions and improve the supervision efficiency, thereby effectively standardizing the order of local financial markets, creating good financial ecological environment and keeping in place the bottom line without systemic and regional financial risks.

The technical scheme of the invention is as follows:

a risk sensing and monitoring platform for regional financial non-bank financial institutions,

the system comprises an electronic file module, an organization operation information and risk information acquisition module, a data center module, a supervision early warning module, a major item digital reporting module, a risk linkage processing module and an enterprise intelligent rating module;

the electronic file module comprises an organization information registration, organization information change, organization registration audit, organization change audit and record information base system;

the acquisition module comprises a supervision acquisition task issuing and managing module, an organization end submitting data module, an enterprise business system docking interface and a department data acquisition system;

the data center module is used for carrying out centralized management on the reported data of each financial institution, the shared data of other supervision units, government affair data and third-party data and carrying out centralized processing on all the acquired data, so that on one hand, various data analysis and display of a local financial supervision information system are supported, and on the other hand, a user can inquire and retrieve various classified information and look up various information in a classified manner;

the supervision early warning module comprises risk signals and risk models customized for each business state, monitors risks by using the risk models based on data of the data center, exposes risks existing in enterprises, and displays the risks in early warning information for a supervision organization to handle; the holographic portrait of an enterprise and an industrial risk report can be generated to assist a supervision organization in making decisions; industry supervision indexes and risk signals are designed for each type of industry, and can be adjusted according to actual service conditions in the using process of the system;

the major item digital reporting module is used for reporting and checking the major items by the enterprise through the process reporting and auditing function, and inquiring the major items; the enterprise can be provided with the functions of reporting and recording own risks or emergencies, timely mastering the conditions of the enterprise and helping the enterprise to process, and meanwhile, relevant management or treatment measures are made to prevent the occurrence and spread of the risks;

and the risk linkage processing module initiates a cooperative processing flow according to the system early warning information or the information acquired by field supervision.

Further, in the above-mentioned case,

and (3) registration of organization information: establishing enterprise information registration and filing standards by taking the industry as a dimension, and respectively providing targeted information registration standards by 6 types of local financial institutions of the local asset company, such as a loan, a book of sorts, a guarantee, a lease and a local asset company; the user can fill in an information registration table corresponding to the state of business at the enterprise financial institution end, and initiates a supervision admission process, and the user enters a registration record information base after passing the supervision admission to complete information registration; the user can maintain the basic information of the enterprise in the registration record and upload the related data of the enterprise, so that the registration record audit of the financial institution is facilitated;

mechanism information change: when the registered information of the organization changes, the system supports each industry organization to change the information through the information change module of the registration and filing subsystem, the organization submits the information change at the information change position, and after a change application is initiated, a supervisor verifies the information change;

and (3) registration and audit of an organization: each business supervision user can check the information registration application information submitted by each supervised organization in the jurisdiction, and the system automatically checks according to the business admission rules and the industrial and commercial data, so that the supervision user can conveniently check the admission of each financial organization, and can carry out the approval of the admission opinions and submit the upper financial management and verification operation; meanwhile, the user is supported to inquire, and the registration and filing work is finished through all checked financial institutions; when information is checked, the system can compare and check the registered data according to the data acquired from the market supervision and management bureau to assist in supervision and check;

and (4) organization change auditing: the change audit supports each industry supervision department to audit each supervision organization; after the organization initiates a change information application, a corresponding state supervisor carries out the auditing work of information change in a change auditing module of a registered filing subsystem; when information change is checked, the system can compare and check the registered data according to the data to assist in checking;

recording information base: financial institutions which are approved by supervision and access automatically enter the registration and record information base and are displayed in the information base according to the authority, supervision users can check all retrievable financial institution information in the authority, check the registration and record information of each financial institution and know the specific conditions of each financial institution in time.

Further, in the above-mentioned case,

and (3) supervision and acquisition task release and management: the method helps users to configure and issue the report forms, and realizes the issue and management of the data report tasks; different local financial industries can design reports and task issuing mechanisms which meet the requirements of the supervision business of the industry; the method comprises the functions of report design, other report acquisition, data verification management, submission task issuing and data submission management.

And (3) reporting data by the mechanism side: the data acquisition is realized by providing a submission client and a standard data interface for local financial enterprises; for various enterprises or platforms of local financial enterprises with built service systems, the system provides a standard data docking interface, and the enterprises can only dock autonomously, so that automatic data reporting is realized; for local financial enterprises which do not build a business system, modes of online filling, offline filling and client reporting are provided, so that the enterprises can send data according to the requirements of report periods;

department data acquisition: and local partial government affair data are docked.

Further, in the above-mentioned case,

enterprise registration and record data: the method realizes the basic condition data, the legal person, the sponsor, the high management condition data, the small loan information base, the financing guarantee information base, the pawn information base, the business insurance information base, the financing lease information base, the local property company information base data and the information management;

enterprise submission data: inquiring the data reporting condition of each financial institution and all enterprise reporting data; the user can perform condition retrieval through the institution name and the report name, check all report information and data of the target institution, and check the report and data conditions of each financial institution of the target report, including data of a small loan institution, data of a financing guarantee institution, data of a quotation institution, data of a commercial insurance institution, data of a financing lease institution and data of a local asset management company;

enterprise business data: enterprise related data directly acquired through an interface; the business data of enterprises in various industries can be acquired through the interface, and relevant data display is carried out according to the industries, wherein the business data comprises business operation data and financial data of the enterprises; the user can carry out condition retrieval through the mechanism name and the report name and check all service information and data of the target mechanism;

department data: the system acquires data through an interface for butting the data sharing platform with department data to display related data, and inquires related data of a corresponding company in a department through an enterprise name and a registered registration number;

and (3) legal data: through an interface for docking the data sharing platform with legal data, after the legal data is docked, whether the corresponding company has case information or not can be inquired through the enterprise name and the registered registration number; the information comprises execution information, court information and information of the lost credit;

tax data: the data is acquired through an interface for butting the data sharing platform and the tax data for displaying the related data, and the tax information of a corresponding company can be inquired through the name of an enterprise and a registered registration number;

government affair cloud data: acquiring data through an interface of a data sharing platform and government affair cloud permission data in butt joint to display related data, and inquiring permission information of a corresponding company through an enterprise name and a registration number; meanwhile, supervision result data information can be pushed;

credit data: the financial credit handling information system interface is connected with a data sharing platform to acquire data for displaying related data, and punishment information, bad information and credit investigation information of an enterprise are inquired through the function and are used for risk monitoring and early warning;

double random one public data: the data is acquired through an interface for docking a 'double random one public platform' to display related data, and double random one public information of a corresponding company can be inquired through an enterprise name and a registered registration number and is used for field inspection work;

external unit import data: a module for performing data entry, query and statistic functions of relevant mechanisms; where the supervisor performs excel import, querying and statistics of the data.

Further, in the above-mentioned case,

monitoring industrial risks: the industry risk system comprehensively analyzes the data reported by each financial institution, government affair data and other supervision unit data, comprehensively analyzes the industry, enterprise and business indexes of related financial institutions through data analysis, supports the specific conditions of target industry, enterprise and business of supervision users through multi-condition retrieval, and displays the specific conditions in the forms of industry indexes, holographic portraits and risk reports;

enterprise holographic representation: the system establishes independent enterprise holographic images for 6 industries of a small loan, financing guarantee, quotation, business guarantee, financing lease and local asset management company according to the requirements of a supervisor, each industry establishes the enterprise holographic images to reflect the risk condition of the enterprise from basic information, operation information and financial information, and displays various data information, chart information and index information concerned by the supervisor to realize the function of one enterprise and one interface; providing a query function of 6 types of local financial institution information, displaying the detailed conditions of all registered enterprises, querying through unit names, unified social credit codes, registration time, enterprise types and the like, and clicking and checking information such as basic information, operation information reporting information, external data, enterprise self risk reports, enterprise on-site inspection reports and the like of a certain company;

a risk report can be generated, wherein the risk report can be used for displaying the comprehensive risk condition of the whole industry or enterprise and realizing checking, printing and downloading operations;

the real-time monitoring of the operation condition is to provide the supervisory personnel to carry on the function of real-time monitoring of various operation data that the data interface of the supervisory organization docks; displaying main operation index data of the similar financial institution, which is acquired in real time through interface butt joint, on a page for a supervisor to monitor the operation condition in real time and master the enterprise condition in real time;

and the loan sub-institution data is the function of providing a supervisor to supervise and inquire the loan sub-institution data of the supervised institution, and uniformly supervises, inquires and derives the data of the similar financial institution monthly input into the RMB loan sub-institution table and the local foreign currency loan sub-institution table of the financial institution.

Further, in the above-mentioned case,

the important item category is a functional module for reporting, handling and cooperating emergency important items and important items; in the system function construction, the system can be divided into two types of urgent major matters and major matters, and corresponding flows and item lists are configured for the two types;

a local financial institution initiates an application, and when finding emergent important matters or important matters, the local financial institution initiates a corresponding reporting process, fills related contents and uploads related materials according to the requirements of a report form;

major matters are transacted, namely, after receiving the major matters report, transacting and examining and approving step by step according to the transaction flow requirements of the urgent major matters and the major matters; after the decision is unified, specific measures are taken for mechanisms or matters; major affair handling is divided into pending affairs and handled affairs, and a supervisor can perform measure registration and feedback on the handled affairs;

item reminding, namely after a major item report exists, the major item report is immediately pushed to a relevant supervisor in a page reminding mode, and the supervisor can immediately check and handle reminding items;

and (4) counting items, namely performing a unified query counting function according to all items reported by the similar financial institution. The supervisor can inquire the items in the jurisdiction area according to the authority, and carry out inquiry statistics according to time, organization, industry and items.

Further, in the above-mentioned case,

early warning treatment: the system is used for starting the early warning processing flow to link with the relevant supervision units to carry out relevant processing on the early warning information pushed by the system, the early warning information acquired offline and the early warning information acquired in other modes or in a telephone mode, so that the query of the processed or to-be-processed early warning task is realized; the method supports that the enterprise risk index is calculated through a system to automatically trigger an early warning process to be dealt with;

handing over items: providing a processing flow of risk submitting items of enterprises for a supervisor, wherein after risk inquiry of a whole-market type financial institution is carried out in a system, the supervisor needs to submit processing measures and methods to a specific local supervisor through the submitting items so as to carry out risk processing in time;

thread sharing: providing a function of sharing risk clues by a supervisor; the thread can be manually registered, and the thread sharing process is started to carry out thread sharing operation;

the registration and sharing of clues can be carried out; and can carry on the data inquiry according to the shared unshared state; the shared thread query is a shared thread received by the query, and the shared thread query is a thread shared by the query user.

And (4) field inspection: providing a process for a supervisor to carry out on-site verification on enterprise early warning information; the enterprise is automatically early warned of the operational risk, and early warning information is prompted to a monitoring party; at the moment, a supervision party can select to start a field inspection process according to the early warning information, and the data of a 'double random one public' platform is required to be called when specific personnel are distributed and enterprises are inspected in the field inspection, so that the field inspection is carried out, and the field inspection information is supported to be returned to the system;

synergistic anomaly: the abnormal collaborative data in the collaborative process are displayed in a centralized mode, manual disposal and solution can be achieved, and follow-up adjustment and summary query are facilitated.

Further, in the above-mentioned case,

and (3) enterprise rating ranking: the enterprise rating and ranking main market provides 6 state supervisors for enterprise rating and ranking lists, and the supervisors can inquire the health and risk ranking conditions of enterprises; the system displays the enterprise rating and score ranking, can clearly and definitely know the comprehensive health condition of the enterprise according to the ranking condition, and provides a basis for management and decision making;

details of the enterprise score: the enterprise score details are a detailed score condition query function for providing enterprise rating ranking of 6 industries for the supervisor, and can be used for checking specific score point conditions; displaying the scores and specific information of supervision and rating of a melting organization in the jurisdiction through an enterprise score detail function, knowing the score points and the score losing points of the rating indexes of the enterprise, and specifically carrying out modification and treatment on related parts;

enterprise grade classification: the enterprise rating classification is to design and develop a grade classification function corresponding to enterprise scores according to the requirements of supervisors, so that different scores can correspond to different enterprise grades; the rating level and the corresponding score interval of each level can be set, and each financial enterprise can automatically match the rating level according to the score; the management side can conveniently inquire the health condition of the enterprise;

and (3) enterprise rating index management: the enterprise rating index management function is a function module for providing a management department to manage the rating indexes, a supervisor can perform addition, deletion, modification and check of the rating indexes at the position, the supervisor can conveniently perform index adjustment and modification according to enterprise rating preference, and the enterprise rating index management function comprises addition, deletion and editing;

and (3) enterprise rating rule management: the enterprise rating rule management function is to provide a supervisor to manage rules on a rating rule page, establish a supervision rating system, modify and adjust the rating rule for the requirement of enterprise rating, and the enterprise rating rule management function comprises addition, deletion and editing;

and (3) enterprise rating model management: the enterprise rating model management is a functional module for providing a management department to manage the rating model, wherein the management department can adjust the rating model and adjust the calculation value of the model according to the enterprise rating preference; the enterprise rating model management function comprises a basic calculation function, a weight configuration basic component and the like, and an enterprise rating model is constructed together;

enterprise rating index classification management: the enterprise rating index classification is a function of providing classification management for all enterprise rating indexes by a monitoring party, and the indexes are sorted and distinguished according to the categories according to the industry, so that configuration and query are facilitated; the method can be used for setting the addition, modification, inquiry and deletion of indexes on the classification page of the rating indexes, establishing a supervision rating system, modifying and adjusting the rating indexes and meeting the requirement of enterprise rating.

The main effects include:

(1) and establishing a supervision system. An intelligent and real-time supervision system is established for emerging financial enterprises, a complete supervision system chain of 'enterprise registration, enterprise data acquisition, big data center construction, risk supervision and early warning → cooperative disposal' is realized, and a closed-loop system for risk discovery and response from overall situation, operation situation monitoring and risk early warning disposal is formed.

(2) And establishing a risk prevention system. A local financial risk prevention system is formed by constructing risk prevention models for various emerging financial enterprises respectively through a full chain risk monitoring tool for realizing 'defining acquisition indexes → designing supervision indexes → constructing risk models → forming risk indexes → carrying out multi-dimensional risk supervision' on industries and enterprises.

(3) Enhancing the cooperative treatment capability. By establishing a multi-level joint cooperation standard flow and getting through a cooperation system with other government departments, the processing capability of coping with illegal and illegal conditions of financial enterprises is improved, and a financial supervision and coordination mechanism is established.

Drawings

FIG. 1 is a block diagram of the module operation of the present invention;

FIG. 2 is a schematic diagram of a data center module.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete, the technical solutions in the embodiments of the present invention will be 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, and based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts belong to the scope of the present invention.

The regional financial development situation perception platform collects relevant risk information monitored by regions, industries and enterprises aiming at a monitoring region range, forms an overview view monitored by different dimensions of regions, industries and enterprises and helps a supervision department to comprehensively and systematically master financial risk conditions.

The method monitors, discovers and warns the stable development condition of regional finance and the illegal financial activity behavior. The regional financial situation perception system needs to extract relevant information related to financial states and illegal financial activities from massive information, and dynamically monitors enterprise data, government data news, public opinion data and the like in 7x24 hours. The presentation mode mainly scores and grades the enterprise quantification through a risk analysis model. And displaying the financial state statistical analysis condition of each province and city in different dimension display areas, the risk monitoring statistical analysis condition of each province and city financial business in different dimension display areas and the illegal funding index condition for the government.

The invention provides a risk perception and supervision platform for regional financial non-bank financial institutions, which comprises the following 7 functional modules: the system comprises an electronic file module of a non-bank financial institution, an institution operation information and risk information acquisition module, a data center module, a supervision early warning subsystem, a major item digital reporting module, a risk linkage processing module and an enterprise intelligent rating module.

(1) Electronic file module of non-bank financial institution

The electronic file module of the non-bank financial institution comprises the functions of institution information registration, institution information change, institution registration audit, institution change audit, record information base and the like.

And (3) registration of organization information: the industry is used as a dimension to establish an enterprise information registration and filing standard, and 6 types of local financial institutions of the local asset company, such as a loan, a book of sorts, a guarantee, a lease and a local loan company, are respectively used for providing a targeted information registration standard. The financial institution user can fill in the information registration table corresponding to the business state at the enterprise financial institution end, and initiates a supervision admission process, and the user enters a registration record information base after passing the supervision admission process to complete information registration. The financial institution user can maintain the basic information of the enterprise in the registration record and upload the data related to the enterprise, so that the registration record audit of the financial institution is facilitated.

Mechanism information change: when the registered information of the organization changes, the system supports various industry organizations to change the information through the information change module of the registration and filing subsystem, the organization submits the information change at the information change position, and after a change application is initiated, a supervisor checks the information change.

And (3) registration and audit of an organization: the system automatically checks the information registration application information submitted by each supervised organization in the district according to the industry admission rule and the industrial and commercial data, facilitates the admission check of each financial organization by the supervising user, and can carry out the operations of approval of admission opinions, submission of higher-level financial office check and the like. Meanwhile, the user is supported to inquire according to the company name, the unified social credit code, the establishment time and other conditions, and the registration and filing work is completed through all checked financial institutions. When information is checked, the system can compare and check the registered data according to the data acquired from the market supervision and management bureau, and assists the supervision personnel in checking.

And (4) organization change auditing: the change audit supports each industry supervision department to audit each supervision organization. After the organization initiates the change information application, the corresponding state supervisor checks the information change in the change checking module of the registration and filing subsystem. When the information change is checked, the system can compare and check the registered data according to the data acquired from the market supervision and management bureau, and assists the supervision personnel to check.

Recording information base: financial institutions which are approved by supervision and admittance automatically enter the registration and record information base, 6 business states such as small credits and the like are displayed in the information base according to the authority, and a supervision user can check all retrievable financial institution information in the authority, check the registration and record information of each financial institution and know the specific conditions of each financial institution in time.

(2) Mechanism operation information and risk information acquisition module

The acquisition module has the functions of monitoring and managing acquisition task release and management, reporting data by an organization end, interfacing an enterprise business system, acquiring government data and the like.

And (3) supervision and acquisition task release and management: the system can help the user to rapidly carry out the configuration and the issuing operation of the report form, and the issuing and the management of the data report task are realized. Different local financial industries can design reports and task issuing mechanisms which meet the requirements of the supervision business of the industry. The method comprises the subfunctions of report design, other report collection, data verification management, report release task, report data management and the like.

And (3) reporting data by the mechanism side: the data acquisition is realized by providing a submission client and a standard data interface for local financial enterprises. For various enterprises or platforms of local financial enterprises with built business systems, the system provides a standard data docking interface, and the enterprises can be docked independently to realize automatic data reporting. For local financial enterprises which are not built with business systems, the system provides various modes such as online filling, offline filling, client reporting and the like, so that the enterprises can send data according to the report period requirements.

Government data acquisition: in order to more fully understand the situation of the enterprise, it is also necessary to interface local partial government affair data, which specifically includes: market supervision authority data, court data, tax data, government cloud data, enterprise credit data, double random-one public platform data, and the like.

(3) Data center module

The data center module can realize centralized management of the reported data of each financial institution, the shared data of other supervision units, government affair data and third-party data, and perform centralized processing on all the acquired data, so that on one hand, various data analysis and display of a local financial supervision information system are supported, and on the other hand, a user can inquire and retrieve various classified information and view various information in a classified manner.

Enterprise registration and record data: the system realizes the basic condition data, the legal person, the sponsor, the high management condition data, the small loan information base, the financing guarantee information base, the pawn information base, the business insurance information base, the financing lease information base, the local property company information base data and the information management.

Enterprise submission data: the enterprise submission data module can be used for rapidly inquiring the data submission condition of each financial institution and all enterprise submission data. The user can carry out condition retrieval through the organization name, the report name and the like, check all report information and data of the target organization, and check the report and data condition of each financial organization of the target report. Including the petty loan institution data, the financing guarantee institution data, the pawn organization data, the business insurance institution data, the financing lease institution data, the local property management institution data.

Enterprise business data: enterprise related data directly acquired through the interface. The finance office can acquire business data of enterprises in various industries through the interface to display related data according to the industries, wherein the business data comprises business operation data and financial data of the enterprises. The user can carry out condition retrieval through the mechanism name, the report name and the like, and check all the service information and data of the target mechanism.

Market supervision authority data: the system acquires data through an interface for butting the data sharing platform with the data of the market monitoring management bureau to display related data, and related data of a corresponding company in the market monitoring management bureau can be inquired through an enterprise name and a registered registration number. The system comprises enterprise business basic information, external investment information, high management legal people information, stockholder funding information, administrative penalty information and the like.

Court data: through the interface for docking the data sharing platform with the court data, after the court data is docked, whether the case information of the corresponding company exists in the court or not can be inquired through the enterprise name and the registered registration number. Including court fulfillment information, court opening information, deceased information, and the like.

Tax data: the data are acquired through an interface for butting the data sharing platform and the tax data to display the related data, and the tax information of a corresponding company can be inquired through the name of an enterprise and a registered registration number. Including enterprise tax payment information, etc.

Government affair cloud data: the data are acquired through an interface of the data sharing platform and data butt joint of government affair cloud permission and the like for carrying out related data display, and information such as permission of a corresponding company can be inquired through an enterprise name and a registered registration number. Meanwhile, information such as supervision result data and the like can be pushed.

Credit data: the financial credit handling information system interface is connected with a data sharing platform to acquire data, relevant data display is carried out, punishment information, bad information, credit investigation information and the like of an enterprise are inquired through the function, and the function is used for risk monitoring and early warning.

Double random one public data: the data is acquired through the interface which is in butt joint with the 'double random one public platform' to display the related data, and the double random one public information of the corresponding company can be inquired through the name of the enterprise and the registration number and is used for on-site inspection work.

External unit import data: and the module has the functions of data entry, query and statistics of related organizations of banks, securities and insurance. Where the supervisor performs excel import, query and statistics of the data.

(4) Supervision early warning subsystem

The supervision early warning comprises risk signals and risk models customized in various states, the risk models are used for risk monitoring based on data of the data center, risks existing in enterprises can be exposed one by one and displayed in early warning information for a supervision organization to handle. The method can generate holographic images of enterprises and industrial risk reports to assist a supervision organization in making decisions. Industry supervision indexes and risk signals can be designed for each type of industry, and the system can be adjusted according to actual service conditions in the using process.

Monitoring industrial risks: the industrial risk system carries out comprehensive analysis on the basis of the submission data, the government affair data and other supervision unit data of each financial institution, carries out comprehensive analysis on related financial institutions from multiple dimensions such as industries, enterprises and business indexes through data analysis, supports specific conditions of target industries, enterprises and businesses of supervision users through multi-condition retrieval, and displays vivid images in the forms of industry indexes, holographic portraits, risk reports and the like.

Enterprise holographic representation: the system establishes independent enterprise holographic portraits for 6 industries of petty loans, financing guarantee, pawn, business insurance, financing lease and local asset management companies according to the requirements of supervisors. The enterprise holographic portrait is established in each industry, the enterprise risk condition is reflected from multiple dimensions of basic information, operation information, financial information and the like, various data information, chart information and index information concerned by a supervision unit are displayed, and the function of one enterprise and one interface is realized. The inquiry function of 6 types of local financial institution information of a small loan company, a financing guarantee, a quotation, a business insurance organization and the like is provided, the detailed conditions of all registered enterprises are displayed, the inquiry can be carried out through the unit name, the unified social credit code, the registration time, the enterprise type and the like, and the information of basic information, operation information reporting information, external data, an enterprise self risk report, an enterprise on-site inspection report and the like of a certain company can be clicked and checked.

And (4) generating risk reports of various industries, wherein the risk reports are used for displaying the comprehensive risk condition of the whole industry or enterprise and realizing the operations of checking, printing, downloading and the like.

And (3) monitoring the operation condition in real time, wherein the operation condition real-time monitoring is a function of providing various operation data which are butted by a data interface of a monitoring organization for monitoring by a monitoring person in real time. The main operation index data of the similar financial institution, which is acquired in real time through interface butt joint, is displayed on a page, so that a supervisor can monitor the operation condition in real time and master the enterprise condition in real time.

And the loan sub-institution data is the function of providing supervisory personnel to supervise and inquire the loan sub-institution data of the supervised institution, and uniformly supervises, inquires and derives the data which are input into the RMB loan sub-institution table and the local foreign currency loan sub-institution table of the financial institution by the similar financial institution monthly.

(5) Digital report module for major matters

Through the functions of process reporting, auditing and the like, the enterprise reports important items and supervisors inquire the items. The enterprise can be provided with the functions of reporting and recording own risks or emergencies, timely mastering the conditions of the enterprise and helping the enterprise to process the conditions, and meanwhile, relevant management or treatment measures are made to prevent the occurrence and spread of the risks.

The important item category is a functional module for reporting, handling and cooperating emergency important items and important items. In the system function construction, the system can be divided into two types of important matters and important matters, and corresponding processes and item lists are configured for the two types.

And (4) a major item report, namely, a local financial institution initiates an application, and when finding an urgent major item or a major item, the local financial institution initiates a corresponding report process, fills in related content and uploads related materials according to the requirements of a report form.

And (4) major item handling, namely after receiving the major item report, carrying out handling and stepwise approval according to the requirements of the handling process of the urgent major items and the major items. And after unified decision, taking specific measures for mechanisms or matters. The major affair handling is divided into pending affairs and handled affairs, and the supervisor can register and feedback the handled affairs.

And item reminding, namely after a major item report exists, the system can immediately push the major item report to relevant supervisors in a page reminding mode, and the relevant supervisors can immediately check and handle the reminding item.

And (4) counting items, namely performing a unified query counting function according to all items reported by the similar financial institution. The supervisor can inquire the items in the jurisdiction area according to the authority, and carry out inquiry statistics according to time, organization, industry and items.

(6) Risk linkage processing module

According to the system early warning information or the information obtained by field supervision, a cooperative disposal process can be initiated. And the multi-party combined supervision unit performs cooperative linkage treatment to strengthen a cooperative linkage long-acting working mechanism among departments.

Early warning treatment: the method is used for starting the early warning processing flow to link the relevant supervision units to carry out relevant processing on the early warning information which is pushed by the system, acquired offline and acquired in other modes or acquired by telephone and the like, so that the query of the handled or to-be-handled early warning task is realized. And the enterprise risk index is calculated by the system to automatically trigger the early warning process to be handled.

Handing over items: the transaction is a processing flow for providing the supervision personnel of the central office to carry out the risk transaction of the enterprise. After risk inquiry of the whole-market type financial institution is carried out in the system, the supervisor needs to submit treatment measures and methods to the supervisor of a specific location through submitting matters, so that the supervisor can carry out risk treatment in time.

Thread sharing: thread sharing is the function of providing risk thread sharing for financial regulatory personnel. The thread may be manually registered and the thread sharing process initiated to perform a thread sharing operation.

The registration and sharing of clues can be carried out. And can perform data query in the shared and unshared state. The shared thread query is a shared thread received by the query, and the shared thread query is a thread shared by the query user.

And (4) field inspection: the on-site inspection is a process for providing supervision personnel of the office to perform on-site inspection of enterprise early warning information. The system can automatically carry out operation risk early warning on enterprises, and early warning information can be prompted to supervisors. At the moment, the supervision personnel can select to start the field inspection process according to the early warning information, and the data of the 'double random one public' platform is required to be called when the specific personnel are distributed and the enterprises are inspected in the field inspection, so that the field inspection is carried out, and the field inspection information is supported to be returned to the system.

Synergistic anomaly: the abnormal collaborative data in the collaborative process are displayed in a centralized mode, manual disposal and solution can be achieved, and follow-up adjustment and summary query are facilitated.

(7) Enterprise intelligent rating module

The enterprise intelligent rating module establishes an enterprise rating model for similar financial institutions, and supervises and rates and ranks financial institutions in the district by using data acquired by the system.

And (3) enterprise rating ranking: the enterprise rating and ranking main city provides 6 state supervisors such as the small credit and the like to perform enterprise rating and ranking lists, and the supervisors can inquire the health and risk ranking conditions of the enterprises. The system displays the enterprise rating and the score ranking, can clearly and definitely know the comprehensive health condition of the enterprise according to the ranking condition, and provides a basis for management and decision making.

Details of the enterprise score: the enterprise score details are a detailed score condition query function for providing enterprise rating ranking of 6 industries such as the small credit for the supervisor, and specific point deduction conditions can be checked. And displaying the scores and specific information of supervision and rating of the melting institution in the jurisdiction through the enterprise score detail function, knowing the score points and the score losing points of the rating indexes of the enterprise, and specifically carrying out modification and treatment of related parts and the like.

Enterprise grade classification: the enterprise rating classification is a classification function designed and developed according to the requirements of the supervisor, and different scores can be corresponding to different enterprise grades. The rating level and the corresponding score interval of each level can be set, and each financial enterprise can automatically match the rating level according to the score. Thereby facilitating the supervisors to inquire the health condition of the enterprise.

And (3) enterprise rating index management: the enterprise rating index management function is a function module for providing a management department to manage the rating indexes, a supervisor of the management department can perform addition, deletion, modification and check of the rating indexes at the position, the supervisor can conveniently perform index adjustment and modification according to enterprise rating preference, and the enterprise rating index management function comprises addition, deletion, editing and the like.

And (3) enterprise rating rule management: the enterprise rating rule management function is to provide the supervisory personnel to manage rules on a rating rule page, establish a supervisory rating system, modify and adjust the rating rule for the requirement of enterprise rating, and the enterprise rating rule management function comprises addition, deletion, editing and the like.

And (3) enterprise rating model management: enterprise rating model management is a functional module that provides management departments to manage rating models, where the management departments may make adjustments to rating models, model calculation scores, etc. according to enterprise rating preferences. And the enterprise rating model management function comprises a basic calculation function, a weight configuration basic component and the like, and an enterprise rating model is constructed together.

Enterprise rating index classification management: the enterprise rating index classification is a function of providing classification management for all enterprise rating indexes by a supervisor, and the indexes are sorted and distinguished according to the categories according to the industry, so that configuration and query are facilitated. The method can set indexes such as addition, modification, inquiry and deletion on the classification page of the rating indexes, establish a supervision rating system, modify and adjust the rating indexes and meet the requirement of enterprise rating.

The main effects include:

(1) and establishing a supervision system. An intelligent and real-time supervision system is established for emerging financial enterprises, a complete supervision system chain of 'enterprise registration, enterprise data acquisition, big data center construction, risk supervision and early warning → cooperative disposal' is realized, and a closed-loop system for risk discovery and response from overall situation, operation situation monitoring and risk early warning disposal is formed.

(2) And establishing a risk prevention system. A local financial risk prevention system is formed by constructing risk prevention models for various emerging financial enterprises respectively through a full chain risk monitoring tool for realizing 'defining acquisition indexes → designing supervision indexes → constructing risk models → forming risk indexes → carrying out multi-dimensional risk supervision' on industries and enterprises.

(3) Enhancing the cooperative treatment capability. By establishing a multi-level joint cooperation standard flow and getting through a cooperation system with other government departments, the processing capability of coping with illegal and illegal conditions of financial enterprises is improved, and a financial supervision and coordination mechanism is established.

The above description is only a preferred embodiment of the present invention, and is only used to illustrate the technical solutions of the present invention, and not to limit the protection scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention shall fall within the protection scope of the present invention.

Claims (8)

1. A risk perception and supervision platform for regional financial non-bank financial institutions is characterized in that,

the system comprises an electronic file module, an organization operation information and risk information acquisition module, a data center module, a supervision early warning module, a major item digital reporting module, a risk linkage processing module and an enterprise intelligent rating module;

the electronic file module comprises an organization information registration, organization information change, organization registration audit, organization change audit and record information base system;

the acquisition module comprises a supervision acquisition task issuing and managing module, an organization end submitting data module, an enterprise business system docking interface and a department data acquisition system;

the data center module is used for carrying out centralized management on the reported data of each financial institution, the shared data of other supervision units, government affair data and third-party data and carrying out centralized processing on all the acquired data, so that on one hand, various data analysis and display of a local financial supervision information system are supported, and on the other hand, a user can inquire and retrieve various classified information and look up various information in a classified manner;

the supervision early warning module comprises risk signals and risk models customized for each business state, monitors risks by using the risk models based on data of the data center, exposes risks existing in enterprises, and displays the risks in early warning information for a supervision organization to handle; the holographic portrait of an enterprise and an industrial risk report can be generated to assist a supervision organization in making decisions; industry supervision indexes and risk signals are designed for each type of industry, and can be adjusted according to actual service conditions in the using process of the system;

the major item digital reporting module is used for reporting and checking the major items by the enterprise through the process reporting and auditing function, and inquiring the major items; the enterprise can be provided with the functions of reporting and recording own risks or emergencies, timely mastering the conditions of the enterprise and helping the enterprise to process, and meanwhile, relevant management or treatment measures are made to prevent the occurrence and spread of the risks;

and the risk linkage processing module initiates a cooperative processing flow according to the system early warning information or the information acquired by field supervision.

2. The platform of claim 1,

and (3) registration of organization information: establishing enterprise information registration and filing standards by taking the industry as a dimension, and respectively providing targeted information registration standards by 6 types of local financial institutions of the local asset company, such as a loan, a book of sorts, a guarantee, a lease and a local asset company; the user can fill in an information registration table corresponding to the state of business at the enterprise financial institution end, and initiates a supervision admission process, and the user enters a registration record information base after passing the supervision admission to complete information registration; the user can maintain the basic information of the enterprise in the registration record and upload the related data of the enterprise, so that the registration record audit of the financial institution is facilitated;

mechanism information change: when the registered information of the organization changes, the system supports each industry organization to change the information through the information change module of the registration and filing subsystem, the organization submits the information change at the information change position, and after a change application is initiated, a supervisor verifies the information change;

and (3) registration and audit of an organization: each business supervision user can check the information registration application information submitted by each supervised organization in the jurisdiction, and the system automatically checks according to the business admission rules and the industrial and commercial data, so that the supervision user can conveniently check the admission of each financial organization, and can carry out the approval of the admission opinions and submit the upper financial management and verification operation; meanwhile, the user is supported to inquire, and the registration and filing work is finished through all checked financial institutions; when information is checked, the system can compare and check the registered data according to the data acquired from the market supervision and management bureau to assist in supervision and check;

and (4) organization change auditing: the change audit supports each industry supervision department to audit each supervision organization; after the organization initiates a change information application, a corresponding state supervisor carries out the auditing work of information change in a change auditing module of a registered filing subsystem; when information change is checked, the system can compare and check the registered data according to the data to assist in checking;

recording information base: financial institutions which are approved by supervision and access automatically enter the registration and record information base and are displayed in the information base according to the authority, supervision users can check all retrievable financial institution information in the authority, check the registration and record information of each financial institution and know the specific conditions of each financial institution in time.

3. The platform of claim 1,

and (3) supervision and acquisition task release and management: the method helps users to configure and issue the report forms, and realizes the issue and management of the data report tasks; different local financial industries can design reports and task issuing mechanisms which meet the requirements of the supervision business of the industry; the method comprises the functions of report design, other report acquisition, data verification management, submission task issuing and data submission management.

And (3) reporting data by the mechanism side: the data acquisition is realized by providing a submission client and a standard data interface for local financial enterprises; for various enterprises or platforms of local financial enterprises with built service systems, the system provides a standard data docking interface, and the enterprises can only dock autonomously, so that automatic data reporting is realized; for local financial enterprises which do not build a business system, modes of online filling, offline filling and client reporting are provided, so that the enterprises can send data according to the requirements of report periods;

department data acquisition: and local partial government affair data are docked.

4. The platform of claim 1,

enterprise registration and record data: the method realizes the basic condition data, the legal person, the sponsor, the high management condition data, the small loan information base, the financing guarantee information base, the pawn information base, the business insurance information base, the financing lease information base, the local property company information base data and the information management;

enterprise submission data: inquiring the data reporting condition of each financial institution and all enterprise reporting data; the user can perform condition retrieval through the institution name and the report name, check all report information and data of the target institution, and check the report and data conditions of each financial institution of the target report, including data of a small loan institution, data of a financing guarantee institution, data of a quotation institution, data of a commercial insurance institution, data of a financing lease institution and data of a local asset management company;

enterprise business data: enterprise related data directly acquired through an interface; the business data of enterprises in various industries can be acquired through the interface, and relevant data display is carried out according to the industries, wherein the business data comprises business operation data and financial data of the enterprises; the user can carry out condition retrieval through the mechanism name and the report name and check all service information and data of the target mechanism;

department data: the system acquires data through an interface for butting the data sharing platform with department data to display related data, and inquires related data of a corresponding company in a department through an enterprise name and a registered registration number;

and (3) legal data: through an interface for docking the data sharing platform with legal data, after the legal data is docked, whether the corresponding company has case information or not can be inquired through the enterprise name and the registered registration number; the information comprises execution information, court information and information of the lost credit;

tax data: the data is acquired through an interface for butting the data sharing platform and the tax data for displaying the related data, and the tax information of a corresponding company can be inquired through the name of an enterprise and a registered registration number;

government affair cloud data: acquiring data through an interface of a data sharing platform and government affair cloud permission data in butt joint to display related data, and inquiring permission information of a corresponding company through an enterprise name and a registration number; meanwhile, supervision result data information can be pushed;

credit data: the financial credit handling information system interface is connected with a data sharing platform to acquire data for displaying related data, and punishment information, bad information and credit investigation information of an enterprise are inquired through the function and are used for risk monitoring and early warning;

double random one public data: the data is acquired through an interface for docking a 'double random one public platform' to display related data, and double random one public information of a corresponding company can be inquired through an enterprise name and a registered registration number and is used for field inspection work;

external unit import data: a module for performing data entry, query and statistic functions of relevant mechanisms; where the supervisor performs excel import, querying and statistics of the data.

5. The platform of claim 1,

monitoring industrial risks: the industry risk system comprehensively analyzes the data reported by each financial institution, government affair data and other supervision unit data, comprehensively analyzes the industry, enterprise and business indexes of related financial institutions through data analysis, supports the specific conditions of target industry, enterprise and business of supervision users through multi-condition retrieval, and displays the specific conditions in the forms of industry indexes, holographic portraits and risk reports;

enterprise holographic representation: the system establishes independent enterprise holographic images for 6 industries of a small loan, financing guarantee, quotation, business guarantee, financing lease and local asset management company according to the requirements of a supervisor, each industry establishes the enterprise holographic images to reflect the risk condition of the enterprise from basic information, operation information and financial information, and displays various data information, chart information and index information concerned by the supervisor to realize the function of one enterprise and one interface; providing a query function of 6 types of local financial institution information, displaying the detailed conditions of all registered enterprises, querying through unit names, unified social credit codes, registration time, enterprise types and the like, and clicking and checking information such as basic information, operation information reporting information, external data, enterprise self risk reports, enterprise on-site inspection reports and the like of a certain company;

a risk report can be generated, wherein the risk report can be used for displaying the comprehensive risk condition of the whole industry or enterprise and realizing checking, printing and downloading operations;

the real-time monitoring of the operation condition is to provide the supervisory personnel to carry on the function of real-time monitoring of various operation data that the data interface of the supervisory organization docks; displaying main operation index data of the similar financial institution, which is acquired in real time through interface butt joint, on a page for a supervisor to monitor the operation condition in real time and master the enterprise condition in real time;

and the loan sub-institution data is the function of providing a supervisor to supervise and inquire the loan sub-institution data of the supervised institution, and uniformly supervises, inquires and derives the data of the similar financial institution monthly input into the RMB loan sub-institution table and the local foreign currency loan sub-institution table of the financial institution.

6. The platform of claim 1,

the important item category is a functional module for reporting, handling and cooperating emergency important items and important items; in the system function construction, the system can be divided into two types of urgent major matters and major matters, and corresponding flows and item lists are configured for the two types;

a local financial institution initiates an application, and when finding emergent important matters or important matters, the local financial institution initiates a corresponding reporting process, fills related contents and uploads related materials according to the requirements of a report form;

major matters are transacted, namely, after receiving the major matters report, transacting and examining and approving step by step according to the transaction flow requirements of the urgent major matters and the major matters; after the decision is unified, specific measures are taken for mechanisms or matters; major affair handling is divided into pending affairs and handled affairs, and a supervisor can perform measure registration and feedback on the handled affairs;

item reminding, namely after a major item report exists, the major item report is immediately pushed to a relevant supervisor in a page reminding mode, and the supervisor can immediately check and handle reminding items;

and (4) counting items, namely performing a unified query counting function according to all items reported by the similar financial institution. The supervisor can inquire the items in the jurisdiction area according to the authority, and carry out inquiry statistics according to time, organization, industry and items.

7. The platform of claim 1,

early warning treatment: the system is used for starting the early warning processing flow to link with the relevant supervision units to carry out relevant processing on the early warning information pushed by the system, the early warning information acquired offline and the early warning information acquired in other modes or in a telephone mode, so that the query of the processed or to-be-processed early warning task is realized; the method supports that the enterprise risk index is calculated through a system to automatically trigger an early warning process to be dealt with;

handing over items: providing a processing flow of risk submitting items of enterprises for a supervisor, wherein after risk inquiry of a whole-market type financial institution is carried out in a system, the supervisor needs to submit processing measures and methods to a specific local supervisor through the submitting items so as to carry out risk processing in time;

thread sharing: providing a function of sharing risk clues by a supervisor; the thread can be manually registered, and the thread sharing process is started to carry out thread sharing operation;

the registration and sharing of clues can be carried out; and can carry on the data inquiry according to the shared unshared state; the shared thread query is a shared thread received by the query, and the shared thread query is a thread shared by the query user.

And (4) field inspection: providing a process for a supervisor to carry out on-site verification on enterprise early warning information; the enterprise is automatically early warned of the operational risk, and early warning information is prompted to a monitoring party; at the moment, a supervision party can select to start a field inspection process according to the early warning information, and the data of a 'double random one public' platform is required to be called when specific personnel are distributed and enterprises are inspected in the field inspection, so that the field inspection is carried out, and the field inspection information is supported to be returned to the system;

synergistic anomaly: the abnormal collaborative data in the collaborative process are displayed in a centralized mode, manual disposal and solution can be achieved, and follow-up adjustment and summary query are facilitated.

8. The platform of claim 1,

and (3) enterprise rating ranking: the enterprise rating and ranking main market provides 6 state supervisors for enterprise rating and ranking lists, and the supervisors can inquire the health and risk ranking conditions of enterprises; the system displays the enterprise rating and score ranking, can clearly and definitely know the comprehensive health condition of the enterprise according to the ranking condition, and provides a basis for management and decision making;

details of the enterprise score: the enterprise score details are a detailed score condition query function for providing enterprise rating ranking of 6 industries for the supervisor, and can be used for checking specific score point conditions; displaying the scores and specific information of supervision and rating of a melting organization in the jurisdiction through an enterprise score detail function, knowing the score points and the score losing points of the rating indexes of the enterprise, and specifically carrying out modification and treatment on related parts;

enterprise grade classification: the enterprise rating classification is to design and develop a grade classification function corresponding to enterprise scores according to the requirements of supervisors, so that different scores can correspond to different enterprise grades; the rating level and the corresponding score interval of each level can be set, and each financial enterprise can automatically match the rating level according to the score; the management side can conveniently inquire the health condition of the enterprise;

and (3) enterprise rating index management: the enterprise rating index management function is a function module for providing a management department to manage the rating indexes, a supervisor can perform addition, deletion, modification and check of the rating indexes at the position, the supervisor can conveniently perform index adjustment and modification according to enterprise rating preference, and the enterprise rating index management function comprises addition, deletion and editing;

and (3) enterprise rating rule management: the enterprise rating rule management function is to provide a supervisor to manage rules on a rating rule page, establish a supervision rating system, modify and adjust the rating rule for the requirement of enterprise rating, and the enterprise rating rule management function comprises addition, deletion and editing;

and (3) enterprise rating model management: the enterprise rating model management is a functional module for providing a management department to manage the rating model, wherein the management department can adjust the rating model and adjust the calculation value of the model according to the enterprise rating preference; the enterprise rating model management function comprises a basic calculation function, a weight configuration basic component and the like, and an enterprise rating model is constructed together;

enterprise rating index classification management: the enterprise rating index classification is a function of providing classification management for all enterprise rating indexes by a monitoring party, and the indexes are sorted and distinguished according to the categories according to the industry, so that configuration and query are facilitated; the method can be used for setting the addition, modification, inquiry and deletion of indexes on the classification page of the rating indexes, establishing a supervision rating system, modifying and adjusting the rating indexes and meeting the requirement of enterprise rating.

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