关键词： J2EE，中间件平台，风险管理，多become a hot spot for financial and insurance institutions to control management risks,prevent and crack down illegal money laundering utilizing insurance and relative exchanges, to which People’s Bank of China, China Insurance Regulatory Committee have paid much attention. The writer proposes anti-laundering system design and solution based on J2EE, to adapt to rapid, multiple and complicated development in insurance. The character of independence and the use of middleware technology, endow the system with easy transplanting, easy implementing and flexible expansion, and great reduction in cost. In addition, as an important way of anti-laundering risk control, the system introduces the concept of risk management by classifying customers’ risk ratings, improves the anti-laundering work.
基于 J2EE 的保险行业反洗钱系统 设计与实现
摘要
金融保险机构如何控制经营风险，预防和打击利用保险业务及相关交易进 行非法洗钱活动，已经成为中国人民银行、中国保险监督管理委员会等监管机 构关注的热点问题之一。基于目前保险行业及相关业务的飞速扩展和保险业务 多元化、复杂化的发展趋势，本文作者提出了基于 J2EE 的反洗钱系统设计与 实现。J2EE 的平台无关性特点以及使用的中间件技术，使得本系统具备易移 植、易实施、可灵活扩展等特性，大大降低了系统实施的成本。此外，作为反 洗钱风险监控的重要手段之一，本系统引入了风险管理理念，对客户进行风险 等级划分，进一步推动了金融保险机构反洗钱工作的开展。
1.1 项目背景 ..............................................................................................1 1.2 研究目的及意义....................................................................................1 1.3 本文主要研究的工作 ............................................................................2 1.4 本文的组织结构....................................................................................3 第二章 技术综述 .............................................................................................4 2.1 J2EE 架构介绍......................................................................................4 2.2 WebLogic 中间件技术...........................................................................5 2.3 数据处理技术 ........................................................................................6
本系统作为人寿保险公司开展反洗钱监测数据报送工作的核心，通过建立 完整的、全方位的反洗钱分析、上报及管理流程，对逐步完善和健全人寿保险 公司内部的反洗钱体制及反洗钱工作具有重要意义。本文的研究不仅具有理论 意义，对国内保险金融机构在反洗钱监控上报系统建设及防范金融风险建设方 面也具有一定的借鉴作用。
Currently, domestic anti-laundering system research mainly concentrates in the aspects of methods optimization and process analysis of computer rules engine, index calculation engine etc. while, extensive research on the system’s basic data acquisition mode and business process and controlled contents is rarely seen. Under this background, this article analyzes data process mode, flow sheet and contents of domestical and overseas anti-laundering system, gives the solution for a new antilaundering system covering functions such as multi data source interface mode, flexible data acquisition mode, risk management and non field supervision based on J2EE middleware platform.
国内目前在反洗钱系统方面的研究主要集中在计算规则引擎、指标计算引 擎的算法优化和流程分析上，而对于反洗钱系统的基础数据源获取模式及反洗 钱系统的业务流程和可监管内容项的扩展研究甚少。在这样的背景下，本文分 析了国内外反洗钱系统的数据处理模式、业务流程及内容，设计并实现了基于 J2EE 中间件平台、涵盖多数据源接口模式和灵活的数据导入模式、风险管理、 非现场监管等业务功能的新型反洗钱系统。
As the core of anti-laundering data report, the establishment of complete and overall analysis, report and management process have a key role play to improve Happy Life’s internal anti-laundering work and its system. The study of this thesis not only helps in theory, but also gives a salutary lesson on anti-laundering system and financial risk prevention for domestic insurance and financial institutions.
Keywords：J2EE, middleware platform, risk management, multi-data source interface
目录
摘 要 ................................................................................................................I Abstract ............................................................................................................. II 图目录 ............................................................................................................... V 表目录 ............................................................................................................. VII 第一章 引言 ....................................................................................................1
2.3.1 规则引擎 ......................................................................................7 2.3.2 数据交互 .....................................................................................8 2.4 本章小结 ..............................................................................................9 第三章 反洗钱系统的分析与设计 ..................................................................10 3.1 项目总体规划 ......................................................................................10 3.2 系统需求分析 .....................................................................................10 3.2.1 功能需求 ....................................................................................10 3.2.2 接口需求 ....................................................................................14 3.3 系统总体设计与模块设计 ....................................................................14 3.3.1 系统总体结构设计......................................................................14 3.3.2 系统模块设计.............................................................................17 3.3.3 数据库设计 ................................................................................20 3.4 系统概要设计 .....................................................................................25 3.4.1 数据接口管理 ...........................................................................25 3.4.2 数据上报管理 ...........................................................................32 3.4.3 风险管理 ..................................................................................39 3.5 本章小结 ............................................................................................40 第四章 反洗钱系统的实现.............................................................................41 4.1 自动监控过程实现 ...............................................................................41