Research On Supervising And Early Warning System Of Commercial Banks' Operating Risk Based On BP Artificial Neural Network

The supervising and early warning of commercial banks' operating risk carrys on total, comprehensive, overall, systematic analysis and judgement to the whole bank industry. It supervises and quantifys a series of indexes, which reflect commercial bank's activity process and actuality, and put forward the alarm to the future possible economic transition and great changes based on supervised results, which is the barometer and alarm of commercial banks' operating risk by utilizing a series of economic indicator. It uses theory analysis method, experience analysis method, statistical analysis method to supervise and appraise ommercial banks' operating risk..This paper combines index of early warning and BP artificial neural network, and at first explains the clssification, choice, pretreatment method of commercial banks' operating risk index on the basis of theory united practice. Then I make use of three methods to calculate the weight of every index in details. The early warning index system is established and index critical value is divided. A group of signal lamps are used to reflect the status at every time. At last, we utilize mathematics method to formate the comprehensive index and adopt BP artificial neural network to predict the oprating risk trend of commercial bank.At last,this paper takes bank B as an example to research the oprating risk supervising and early warning system with many data.