基于大数据的账户风险监测模型研究

Research on the Model of Account Risk Monitoring Based on Big Data

伴随着全面取消境内企业银行账户许可,由核准制改为备案制,在新形势下如何利用创新手段有效监管账户,打击非法账户和非法交易成为摆在监管部门面前的新课题。本文在分析了可疑账户和可疑交易特征的基础上,基于央行支付系统和账户系统属地大数据,提出了针对不同应用场景建立的三种账户风险监测模型,阐述了每种模型的优势和不足。本文的探讨为新形势下账户监管提供了新的视角和手段。

With the complete cancellation of the bank account license,the approval system has been changed to the filing system.In the new situation,how to use innovative means to effectively supervise the accounts and fight against illegal accounts and illegal transactions has become a new issue for the regulatory authorities.Based on the analysis of the characteristics of suspicious accounts and suspicious transactions,this paper proposes three kinds of account risk monitoring models for different application scenarios based on the big data of China national advanced payment system and account system,and expounds the advantages and disadvantages of each model.This paper provides a new perspective and means for account supervision in the new situation.