I. Multi-Source Data Integration & Real-Time Alerts
· External Data Management: Consolidates external sources such as blacklists, negative news, court enforcement records, and business registration changes. Supports both manual updates and automated imports, with reserved interfaces for loan systems and ECIF. Value: Eliminates fragmented data silos.
· Manual Warning Module: Allows manual initiation of alerts from six dimensions (customer, business, institution, product, industry, collateral), complementing automated alerts. Value: Improves timeliness of risk signal detection.
II. End-to-End Early Warning Collaboration
· Alert Signal Management: Workflow engine (BPM) enforces standardized routing rules, automatically distributing signals by role and enabling full online processing. Value: Clarifies roles and responsibilities, resolving coordination inefficiency.
· Risk Notification Letters: Generates and batches official notifications for approved alerts, tracks responses, and links them to both account managers and risk officers. Value: Establishes a closed loop of “Alert – Action – Feedback.”
III. Flexible & Configurable Risk Modeling
· Model Management: Offers indicator management (add/modify/delete), rule configuration (risk judgment logic), and model categorization (by industry, customer type). Business staff can adjust parameters via a visual interface without IT involvement. Value: Prevents model rigidity and accelerates iteration.
· Comprehensive Query & Reporting: Provides multi-dimensional risk statistics (customer, institution, product, etc.), generates risk trend reports, and supplies data for model optimization. Value: Enhances adaptability of risk assessments.
IV. Data Security & Compliance Control
· Security Mechanisms: Unified identity authentication (passwords, tokens), role-based access control (RBAC), DES-encrypted storage for sensitive data (e.g., customer credentials), and SSL for secure transmission. Value: Prevents data leakage.
· Audit Tracking: Logs all critical actions (alert modifications, model parameter changes), capturing user ID, timestamp, and details of changes. Retains logs for at least one year. Value: Meets regulatory requirements for traceability.
V. High Performance & Scalability
· Technical Architecture: SOA-based design with ESB middleware for loosely coupled integration with core banking and CRM systems. Adding new external systems requires only adapter interfaces. Value: Reduces expansion costs.
· Performance Optimization: Implements read-write separation, indexing best practices (≤7 indexes per table), and optimized SQL (≤3 table joins). Supports high-concurrency scenarios (e.g., batch alert processing) with horizontal server scaling. Value: Ensures stability under heavy loads.
