CN116091202A - Financial business monitoring and early warning method and system - Google Patents
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Abstract
The application discloses a financial business monitoring and early warning method and a system. According to the technical scheme of the application, the method comprises the following steps: acquiring financial business data at fixed time; based on a service data table pre-established in a database, calculating the ring ratio and the homonymy of the related indexes of the current time period; and comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached. By adopting the method, the business processing and the early warning are separated, the business index can be flexibly adjusted, and various abnormal notification and prevention means can be adopted by rich early warning modes.
Description
Technical Field
The present application relates to the field of financial business monitoring, and more particularly, to a method and a system for monitoring and early warning of financial business.
Background
The rapid development of financial business leads to the continuous increase of product lines, and the business elements and flow differences of each product line are obvious; at the same time, the rise of internet technology, the transformation of the system into service, and the number of application systems are increasing. The variability and number of such events complicate the situation that affects the normal operation of the service. In order to ensure normal operation of the service, the capability of effectively monitoring and analyzing the staged change of related service indexes and timely capturing the abnormal service to perform early warning notification becomes particularly important.
In the aspect of financial business monitoring, the method commonly adopted in the prior art is as follows: aiming at the business anomalies, the anomalies are mainly captured based on buried points, and customized display, notification and early warning are carried out on the statistical analysis of index data and the focused anomalies of a business system.
The prior art has low laminating degree and coarser granularity in monitoring and analyzing the current internet financial service data. The data processing and the early warning adopt tight coupling, when the early warning threshold value needs to be modified, the actions need to be subjected to relevant customized development, and the flexibility is not enough. .
Therefore, how to fully utilize various data and improve the early warning capability becomes a technical problem to be solved in the field.
Disclosure of Invention
In view of this, the application provides a financial business monitoring and early warning method and system to realize loose coupling of processing and early warning, and fully utilize various data to provide early warning capability.
According to the application, a financial business monitoring and early warning method is provided, and the method comprises the following steps:
acquiring financial business data at fixed time;
based on a service data table pre-established in a database, calculating the ring ratio and the homonymy of the related indexes of the current time period;
and comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached.
Preferably, the financial business data includes: number of advances, number of batches, number of route successes, and number of cash releases, wherein,
the number of the incoming calls is used for recording the number of the borrowing applications in the current period;
the batch credit number is used for recording the number of the borrowing requests agreed to run in the current period in combination with the personal information submitted by the user;
the successful routing number is used for recording the number of the borrowing request routed to the corresponding fund party in the current period;
the successful money release number is used for recording the number of successful money release in the current period.
Preferably, the current period is in units of hours.
Preferably, the ring ratio and the homonymy of the related indexes of the current time period are calculated based on a service data table pre-established in a database; the method specifically comprises the following steps:
based on a service data table pre-established in a database, corresponding indexes are obtained by carrying out corresponding calculation on financial service data, the newly increased number statistics of the indexes in the current period is carried out, historical data are read from the database, and the ring ratio and the same ratio of the corresponding indexes are respectively obtained according to the following formula:
ring ratio = new increment of current period/new increment of last period;
the same ratio = the number of new increases for the current period/the average of the same period over the past 7 days.
Preferably, the database further comprises a monitoring item table and a monitoring item reminding personnel association table; wherein,,
the monitoring item table comprises a monitoring item ID, a monitoring item name, a monitoring description and a threshold value;
the monitoring item reminding personnel association table comprises a monitoring item ID, notification content, notification type and user ID; wherein the notification types include: mail, enterprise WeChat, SMS, and Voice.
Preferably, the index data is compared with an early warning threshold value, and when an early warning condition is reached, early warning notification is carried out; the method specifically comprises the following steps:
and reading a monitoring item table, comparing index values, ring ratios and/or same ratio data of the monitoring items with monitoring item thresholds in the table according to the monitoring description, and when the data reduction specified in the monitoring description exceeds 50% of early warning thresholds, acquiring corresponding notification content, notification types and user IDs from a monitoring item reminding personnel association table according to the monitoring item IDs, and starting corresponding early warning actions according to the specific notification types.
Preferably, the method further comprises modifying and supplementing various tables in the database.
Preferably, the method further comprises warehousing and storing the financial service data.
In another aspect, the present invention provides a financial business monitoring and early warning system, the system comprising:
the data acquisition module is used for acquiring financial business data at fixed time;
the index calculation module is used for calculating the ring ratio and the same ratio of the related indexes of the current time period based on a service data table pre-established in the database; and
and the early warning module is used for comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached.
According to the technical scheme, based on the definition of the abnormal indexes and the expected indexes of the service, the service data needing to be concerned, such as the new number of the corresponding indexes of each period, the ring ratio and the same ratio of the current period, are acquired by adopting an active acquisition mode. Through index operation, not only the collected data can be used in the index operation process, but also the time sequence data and the historical time period data can be fully utilized, and when the abnormal index reaches the early warning threshold or the service index does not reach the service expected threshold, the corresponding early warning action is executed, and the related content is timely notified to the related dry system people. By adopting the method, the service index can be flexibly adjusted according to the service requirement, and various abnormal notification and prevention means can be adopted by rich early warning modes.
Additional features and advantages of the present application will be set forth in the detailed description which follows.
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The accompanying drawings, which are included to provide a further understanding of the application, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:
fig. 1 is a flowchart of a financial service monitoring and early warning method in the present application.
Detailed Description
The basic idea of the method is as follows: the service monitoring and early warning system is separated from the service system, basic data of the service system are acquired through index definition and data acquisition, service index calculation, early warning triggering and early warning actions are separated through decoupling of all links in the early warning process, and configurable service monitoring and early warning are flexibly realized in a combined mode.
The technical solutions of the present application will be described in detail below with reference to the accompanying drawings in combination with embodiments.
Example 1
As shown in fig. 1, embodiment 1 of the present invention proposes a financial service monitoring and early warning method, which includes:
acquiring financial business data at fixed time;
based on a service data table pre-established in a database, calculating the ring ratio and the homonymy of the related indexes of the current time period;
and comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached.
Specifically, the method mainly comprises five parts of data acquisition, index basic data storage, index operation, early warning triggering and early warning notification.
Step 1) data acquisition comprises normal business data and abnormal data. The business data is mainly collected through a database, and abnormal events are collected in real time.
And 2) storing the basic data, filtering and performing preliminary processing on the acquired data to form the basic data meeting the index budget, and storing in a database.
Step 3) index calculation, including the definition and configuration of indexes, performing predefined rule calculation according to index basic data, and storing an index result, wherein a service index table is established in a database, and fields include service index types (including application number, incoming number, batch credit number, route success number, confirmed borrowing number, binding card success number, qualification side credit passing number, signing success number, paying success number), duty ratio, product types, creation time and the like; the application number is the number of advances in the current time period of each hour statistics application, the number of advances is the number of advances in the current time period of each hour statistics pushing pneumatic control, the credit number is the number of all loans in the current time period of each hour statistics approval completion, the successful routing number is the number of all loans in the current time period of each hour statistics routing time, the confirmed borrowing number is the number of advances in the current time period of each hour statistics confirmation borrowing time, the binding card number is the number of all loans in the current time period of each hour statistics completion protocol payment subscription time, the credit number is the number of all loans in the current time period of each hour statistics completion borrowing subscription time, the credit number of all loans in the current time period of each hour statistics completion fund review, the credit number of all loans in the current time period of each hour statistics completion release time is the number of all loans in the current time period of each hour.
The following financial business data are emphasized: number of advances, number of batches, number of route successes, and number of cash releases, wherein,
the number of the incoming numbers is used for recording the number of the borrowing application in the current time period;
the batch credit number is used for recording the number of the borrowing requests agreed to run in the current time period in combination with the personal information submitted by the user;
the successful route number is used for recording the number of the borrowing request route to the corresponding fund party in the current time period;
the successful money release number is used for recording the number of successful money release in the current time period.
In addition, based on a service data table pre-established in a database, counting the newly increased number of the indexes in the current period, reading historical data from the database, and respectively obtaining the ring ratio and the same ratio of the corresponding indexes according to the following formula:
ring ratio = new increment of current period/new increment of last period;
the same ratio = the number of new increases for the current period/the average of the same period over the past 7 days.
And 4) early warning triggering, including definition and configuration of early warning conditions, when the index reaches a threshold value to trigger early warning action, establishing a monitoring item table and a monitoring item reminder association table in a database, wherein the monitoring item table is respectively provided with field information such as a monitoring item ID, a monitoring item name, a monitoring description, a threshold value and the like, and the monitoring item reminder association table is respectively provided with field information such as a monitoring item ID, notification content, notification type (mail-mail Wechat-enterprise WeChat sms-short message voice), user ID and the like.
And 5) carrying out early warning notification, wherein the early warning notification comprises the butt joint of all early warning schemes, notification modes such as mail, enterprise WeChat, voice and the like, the specific early warning notification is carried out by receiving early warning actions triggered by early warning, namely, when a timer is executed at regular time, the actual occurrence number of each time period is monitored, the actual occurrence number is compared with other time periods, the data deviation is larger, and when the data deviation reaches the early warning value in a database, the data deviation reaches the notification mode configured in the database in the step 4, the data deviation is sent to specific crowd for notification.
Specifically, a monitoring item table is read, index value, ring ratio and/or same ratio data of a monitoring item are compared with a monitoring item threshold value in the table according to a monitoring description, when the data reduction specified in the monitoring description exceeds 50% of an early warning threshold value, corresponding notification content, notification type and user ID are obtained from a monitoring item reminding personnel association table according to the monitoring item ID, and corresponding early warning action is started according to the specific notification type.
Example 2
The embodiment 2 of the invention provides a financial business monitoring and early warning system, which is realized based on the method of the embodiment 1, and comprises the following steps:
the data acquisition module is used for acquiring financial business data at fixed time;
the index calculation module is used for calculating the ring ratio and the same ratio of the related indexes of the current time period based on a service data table pre-established in the database;
and the early warning module is used for comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached.
In addition, the system also comprises a data storage module which is used for warehousing various data.
And the database modification module is used for modifying and supplementing various tables in the database.
The invention is that:
the definition of the service index comprises index classification, calculation rules, early warning threshold values and notification actions.
The business index calculation process is executed step by step, the intermediate data is relied on to fall into a database, and the index calculation efficiency is improved.
The early warning threshold and the notification mode are configured on the page, so that the adjustment is convenient and flexible.
The preferred embodiments of the present application have been described in detail above, but the present application is not limited to the specific details of the above embodiments, and various simple modifications may be made to the technical solutions of the present application within the scope of the technical concept of the present application, and all the simple modifications belong to the protection scope of the present application.
In addition, the specific features described in the foregoing embodiments may be combined in any suitable manner, and in order to avoid unnecessary repetition, various possible combinations are not described in detail.
Moreover, any combination of the various embodiments of the present application may be made without departing from the spirit of the present application, which should also be considered as the disclosure of the present invention.
Claims (9)
1. A financial business monitoring and early warning method, the method comprising:
acquiring financial business data at fixed time;
based on a service data table pre-established in a database, calculating the ring ratio and the homonymy of the related indexes of the current time period;
and comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached.
2. The financial transaction monitoring and early warning method according to claim 1, wherein the financial transaction data comprises: number of advances, number of batches, number of route successes, and number of cash releases, wherein,
the number of the incoming calls is used for recording the number of the borrowing applications in the current period;
the batch credit number is used for recording the number of the borrowing requests agreed to run in the current period in combination with the personal information submitted by the user;
the successful routing number is used for recording the number of the borrowing request routed to the corresponding fund party in the current period;
the successful money release number is used for recording the number of successful money release in the current period.
3. The financial transaction monitoring and early warning method according to claim 2, wherein the current period of time is in units of hours.
4. The financial business monitoring and early warning method according to claim 3, wherein the calculation of the ring ratio and the homonymy of the relevant indexes of the current period is performed based on a business data table pre-established in a database; the method specifically comprises the following steps:
based on a service data table pre-established in a database, corresponding indexes are obtained by carrying out corresponding calculation on financial service data, the newly increased number statistics of the indexes in the current period is carried out, historical data are read from the database, and the ring ratio and the same ratio of the corresponding indexes are respectively obtained according to the following formula:
ring ratio = new increment of current period/new increment of last period;
the same ratio = the number of new increases for the current period/the average of the same period over the past 7 days.
5. The financial transaction monitoring and early warning method according to claim 4, wherein the database further comprises a monitoring item table and a monitoring item reminder association table; wherein,,
the monitoring item table comprises a monitoring item ID, a monitoring item name, a monitoring description and a threshold value;
the monitoring item reminding personnel association table comprises a monitoring item ID, notification content, notification type and user ID; wherein the notification types include: mail, enterprise WeChat, SMS, and Voice.
6. The financial business monitoring and early warning method according to claim 5, wherein the index data is compared with an early warning threshold value, and when an early warning condition is reached, an early warning notification is performed; the method specifically comprises the following steps:
and reading a monitoring item table, comparing index values, ring ratios and/or same ratio data of the monitoring items with monitoring item thresholds in the table according to the monitoring description, and when the data reduction specified in the monitoring description exceeds 50% of early warning thresholds, acquiring corresponding notification content, notification types and user IDs from a monitoring item reminding personnel association table according to the monitoring item IDs, and starting corresponding early warning actions according to the specific notification types.
7. The method of claim 5, further comprising modifying and supplementing various tables in the database.
8. The method of claim 1, further comprising warehousing the financial transaction data.
9. A financial transaction monitoring and early warning system, the system comprising:
the data acquisition module is used for acquiring financial business data at fixed time;
the index calculation module is used for calculating the ring ratio and the same ratio of the related indexes of the current time period based on a service data table pre-established in the database; and
and the early warning module is used for comparing the index data with an early warning threshold value, and carrying out early warning notification when the early warning condition is reached.
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| CN113326879A (en) * | 2021-05-31 | 2021-08-31 | 深圳前海微众银行股份有限公司 | Service data monitoring method and device |
| CN114186855A (en) * | 2021-12-11 | 2022-03-15 | 中国工商银行股份有限公司 | Monitoring and early warning method, device, computer equipment, storage medium and program product |
| CN115409424A (en) * | 2022-09-30 | 2022-11-29 | 中国建设银行股份有限公司 | Risk determination method and device based on platform service scene |
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- 2022-12-29 CN CN202211711573.6A patent/CN116091202A/en active Pending
Patent Citations (6)
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| US9870589B1 (en) * | 2013-03-14 | 2018-01-16 | Consumerinfo.Com, Inc. | Credit utilization tracking and reporting |
| CN104991939A (en) * | 2015-07-08 | 2015-10-21 | 携程计算机技术（上海）有限公司 | Transaction data monitoring method and system |
| CN110941797A (en) * | 2019-11-07 | 2020-03-31 | 中信银行股份有限公司 | Operation index monitoring and trend prediction system based on service index |
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Application publication date: 20230509 |