210 lines
11 KiB
CSV
210 lines
11 KiB
CSV
序号,模型名称,核心异常点（展示在前端页面）,业务口径,相关指标,指标英文名,风险筛查对象,技术口径,代码,限制阈值指标,可疑结果返回,风险等级
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1.1,大额交易,房车消费支出交易,备注或对交易对手是房产公司、二手房、车辆销售公司、物业公司等。,购买车房支出金额,prop_exp_amt,员工本人及亲属,关联员工及其亲属所有账户（ccdi_account_info 关联 ccdi_fmy_relation_person），在 ccdi_bank_statement 中筛选 amount_dr>0 且对手方/摘要含房产/车产关键词,"sql<br>---员工及其亲属购买车房支出流水id
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select t2.bank_statement_id
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from
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ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and (user_memo rlike '(购|买).*房|(购|买).*车|车款|房款|首付|(房|车).*贷'
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or customer_account_name rlike '汽车销售|汽车金融|4S店|汽贸|车行|房地产|置业|置地|地产|房产|不动产|链家|贝壳|我爱我家|房管局')
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and amount_dr > 0
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union all
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select t2.bank_statement_id
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from
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ccdi_staff_fmy_relation t1
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inner join
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ccdi_bank_statement t2
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on t1.relation_cert_no = t2.cret_no
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where t1.status = 1
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and t2.project_id = PROJECT_ID
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and (user_memo rlike '(购|买).*房|(购|买).*车|车款|房款|首付|(房|车).*贷'
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or customer_account_name rlike '汽车销售|汽车金融|4S店|汽贸|车行|房地产|置业|置地|地产|房产|不动产|链家|贝壳|我爱我家|房管局')
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and amount_dr > 0
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;",/,流水明细,一般
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1.2,,税务支出交易,有税务支出记录,税务支出金额,tax_exp_amt,员工本人及亲属,员工及其亲属账户中，筛选 amount_dr>0 且摘要含税务关键词,"sql<br>----员工及其亲属税务支出流水id
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select t2.bank_statement_id
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from
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ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and (user_memo rlike '税务|缴税|税款'
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or customer_account_name rlike '税务|税务局|国库|国家金库|财政')
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and amount_dr > 0
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union all
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select t2.bank_statement_id
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from
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ccdi_staff_fmy_relation t1
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inner join
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ccdi_bank_statement t2
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on t1.relation_cert_no = t2.cret_no
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where t1.status = 1
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and t2.project_id = PROJECT_ID
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and (user_memo rlike '税务|缴税|税款'
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or customer_account_name rlike '税务|税务局|国库|国家金库|财政')
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and amount_dr > 0
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;",/,流水明细,一般
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1.3,,大额单笔收入,同一交易对手（除本人、家庭成员外、本单位代发工资）单笔超过设置限额超过设置限额的资金流入；,大额流入金额（单笔）,SINGLE_TRANSACTION_AMOUNT,员工本人,员工账户中，筛选 amount_cr>0，对手方名称不在该员工的家庭关系内，排除工资代发，按员工和对手方汇总金额，判断单笔是否超限,"sql<br>--员工与同一交易对手（非亲属）的最大一笔收入交易流水id
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select t1.bank_statement_id
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from
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(
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select t1.id_card
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,t2.bank_statement_id
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,t2.customer_account_name
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from ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and t2.le_account_name <> t2.customer_account_name
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and not (customer_account_name = '浙江兰溪农村商业银行股份有限公司'
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and (user_memo like '%代发%'
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or user_memo like '%工资%'
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or user_memo like '%奖金%'
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or user_memo like '%薪酬%'
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or user_memo like '%薪金%'
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or user_memo like '%补贴%'
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or user_memo like '%薪%'
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or user_memo like '%年终奖%'
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or user_memo like '%年金%'
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or user_memo like '%加班费%'
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or user_memo like '%劳务费%'
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or user_memo like '%劳务外包%'
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or user_memo like '%提成%'
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or user_memo like '%劳务派遣%'
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or user_memo like '%绩效%'
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or user_memo like '%酬劳%'
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or user_memo like '%PAYROLL%'
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or user_memo like '%SALA%'
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or user_memo like '%CPF%'
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or user_memo like '%directors%fees%'
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or user_memo like '%批量代付%'
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or cash_type like '%代发%'
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or cash_type like '%工资%'
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or cash_type like '%劳务费%' ))
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and amount_cr > 0
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) t1
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left join ccdi_staff_fmy_relation t2
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on t1.id_card = t2.person_id
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and t1.customer_account_name = t2.relation_name
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where t2.person_id is null;",大额流入金额,流水明细,一般
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新增,,累计收入超限,同一交易对手（除本人、家庭成员外、本单位代发工资）累计交易金额超过设置限额的资金流入；,累计流入金额（所有累计）,CUMULATIVE_TRANSACTION_AMOUNT,员工本人,员工账户中，筛选 amount_cr>0，对手方名称不在该员工的家庭关系内，排除工资代发，按员工和对手方汇总金额，判断累计是否超限,"sql<br>--员工与同一交易对手（非亲属）的累计收入交易金额
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select
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t1.id_card
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,t1.customer_account_name
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,t1.sum_amount_cr
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from
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(
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select t1.id_card
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,customer_account_name
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,sum(amount_cr) as sum_amount_cr
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from ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and t2.le_account_name <> t2.customer_account_name
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and not (customer_account_name = '浙江兰溪农村商业银行股份有限公司'
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and (user_memo like '%代发%'
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or user_memo like '%工资%'
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or user_memo like '%奖金%'
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or user_memo like '%薪酬%'
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or user_memo like '%薪金%'
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or user_memo like '%补贴%'
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or user_memo like '%薪%'
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or user_memo like '%年终奖%'
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or user_memo like '%年金%'
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or user_memo like '%加班费%'
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or user_memo like '%劳务费%'
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or user_memo like '%劳务外包%'
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or user_memo like '%提成%'
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or user_memo like '%劳务派遣%'
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or user_memo like '%绩效%'
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or user_memo like '%酬劳%'
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or user_memo like '%PAYROLL%'
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or user_memo like '%SALA%'
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or user_memo like '%CPF%'
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or user_memo like '%directors%fees%'
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or user_memo like '%批量代付%'
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or cash_type like '%代发%'
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or cash_type like '%工资%'
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or cash_type like '%劳务费%' ))
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group by id_card,customer_account_name
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having sum(amount_cr)>0
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) t1
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left join ccdi_staff_fmy_relation t2
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on t1.id_card = t2.person_id
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and t1.customer_account_name = t2.relation_name
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where t2.person_id is null;
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",累计流入金额,个人、累积金额,一般
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1.4,,年流水交易额超限,年流水交易额超过设置限额,年交易金额,annual_turnover,员工本人,员工账户中，排除本人及亲属名称，统计一年内 amount_cr+amount_dr 总额,"sql<br>--员工年交易金额
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select t1.id_card
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,sum(trans_amount) as annual_trans_amount
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from
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(
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select t1.id_card
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,amount_dr + amount_cr as trans_amount
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from
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ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and left(TRX_DATE,10) >= add_months(current_date(),-12) --近一年
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and t2.le_account_name <> t2.customer_account_name --排除同名交易
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) t1
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left join ccdi_staff_fmy_relation t2
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on t1.id_card = t2.person_id
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and t1.customer_account_name = t2.relation_name
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where t2.person_id is NULL
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group by t1.id_card;",年交易金额,个人、累积金额,一般
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1.5,,大额存现交易,大额存现，单笔超过设置限额；,大额存现金额（单笔）,LARGE_CASH_DEPOSIT,员工本人,员工及其亲属账户中，筛选 现金存入，且单笔 amount_cr 超阈值，按员工汇总,"sql<br>---员工大额存现单流水id
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select t2.bank_statement_id
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from
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ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and amount_cr> $$$$ ---大额存现阈值参数
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and (
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(((user_memo like '%现金%' and user_memo not like '%金管理%' and user_memo not like '%金添利%' and user_memo not like '%现金利%' and user_memo not like '%现金宝%' and user_memo not like '%金分析%' ) or user_memo like '%存现%' or user_memo like '%现存%' or cash_type like '%现金%' or cash_type like '%存现%' or cash_type like '%现存%' or cash_type like '%金存入%' or user_memo like '%金存入%' or (user_memo like '%ATM%' and (user_memo like '%存款%' or user_memo like '%转入%')) or (cash_type like '%ATM%' and (cash_type like '%存款%' or cash_type like '%转入%'))) and (customer_account_name = '' or customer_account_name = '无' or customer_account_name like '%存现%') or user_memo like '%DEPOSIT%') or
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((customer_account_name = '库存现金' or ((user_memo like '%现金存款%' or user_memo like '%自助存款%' or user_memo like '%CRS存款%' or cash_type like '%现金存款%' or cash_type like '%自助存款%' or cash_type like '%本行CRS存款%' or cash_type like '%柜面%' or user_memo like '%柜面%') and customer_account_name = '' )) or (customer_account_name = '现金' and user_memo not like '%借款%') or user_memo like '%本行ATM%')
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)
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;
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",大额存现金额,流水明细,一般
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,,短时间多次存现,短时间多次存现，次数超过设置限额,单日存现总次数,FREQUENT_CASH_DEPOSIT,员工本人,员工及其亲属账户中，按日统计现金存入次数超阈值,"sql<br>--员工单日大额存现次数
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select t1.id_card
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,left(t2.trx_time,10) as cash_trans_date
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,count(1) as cash_count
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from
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ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and amount_cr>$$$$ ---大额存现阈值参数
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and (
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(((user_memo like '%现金%' and user_memo not like '%金管理%' and user_memo not like '%金添利%' and user_memo not like '%现金利%' and user_memo not like '%现金宝%' and user_memo not like '%金分析%' ) or user_memo like '%存现%' or user_memo like '%现存%' or cash_type like '%现金%' or cash_type like '%存现%' or cash_type like '%现存%' or cash_type like '%金存入%' or user_memo like '%金存入%' or (user_memo like '%ATM%' and (user_memo like '%存款%' or user_memo like '%转入%')) or (cash_type like '%ATM%' and (cash_type like '%存款%' or cash_type like '%转入%'))) and (customer_account_name = '' or customer_account_name = '无' or customer_account_name like '%存现%') or user_memo like '%DEPOSIT%') or
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((customer_account_name = '库存现金' or ((user_memo like '%现金存款%' or user_memo like '%自助存款%' or user_memo like '%CRS存款%' or cash_type like '%现金存款%' or cash_type like '%自助存款%' or cash_type like '%本行CRS存款%' or cash_type like '%柜面%' or user_memo like '%柜面%') and customer_account_name = '' )) or (customer_account_name = '现金' and user_memo not like '%借款%') or user_memo like '%本行ATM%')
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)
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group by t1.id_card,left(t2.trx_time,10)
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;
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",单日存现总次数,个人、日期、次数,一般
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1.6,,大额转账交易,大额转账单笔超过设置限额,大额转账金额（单笔）,large_tfr_cnt,员工本人,员工及其亲属账户中，筛选单笔 amount_dr 超金额阈值的数据,"--员工大额转账（排除同名转账）转出超阈值 流水id
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select t2.bank_statement_id
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from
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ccdi_base_staff t1
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inner join
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ccdi_bank_statement t2
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on t1.id_card = t2.cret_no
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where project_id = PROJECT_ID
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and amount_dr> $$$$$$ --大额转账阈值
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and (customer_account_name rlike '转账' or user_memo rlike '转帐|转账|汇入|转存|红包|汇款|网转|转入' or cash_type rlike '转帐|转账|汇入|转存|红包|汇款|网转|转入')
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and user_memo not like '%款%'
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and t2.le_account_name <> t2.customer_account_name --排除同名交易
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;",大额转账金额,流水明细,一般
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