ccdi/assets/大额交易.csv

1	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
2	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 select t2.bank_statement_id from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and (user_memo rlike '(购|买).*房|(购|买).*车|车款|房款|首付|(房|车).*贷' 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') and amount_dr > 0 union all select t2.bank_statement_id from ccdi_staff_fmy_relation t1 inner join ccdi_bank_statement t2 on t1.relation_cert_no = t2.cret_no where t1.status = 1 and t2.project_id = PROJECT_ID and (user_memo rlike '(购|买).*房|(购|买).*车|车款|房款|首付|(房|车).*贷' 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') and amount_dr > 0 ;	/	流水明细	一般
3	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 select t2.bank_statement_id from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and (user_memo rlike '税务|缴税|税款' or customer_account_name rlike '税务|税务局|国库|国家金库|财政') and amount_dr > 0 union all select t2.bank_statement_id from ccdi_staff_fmy_relation t1 inner join ccdi_bank_statement t2 on t1.relation_cert_no = t2.cret_no where t1.status = 1 and t2.project_id = PROJECT_ID and (user_memo rlike '税务|缴税|税款' or customer_account_name rlike '税务|税务局|国库|国家金库|财政') and amount_dr > 0 ;	/	流水明细	一般
4	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 select t1.bank_statement_id from ( select t1.id_card ,t2.bank_statement_id ,t2.customer_account_name from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and t2.le_account_name <> t2.customer_account_name and not (customer_account_name = '浙江兰溪农村商业银行股份有限公司' and (user_memo like '%代发%' or user_memo like '%工资%' or user_memo like '%奖金%' or user_memo like '%薪酬%' or user_memo like '%薪金%' or user_memo like '%补贴%' or user_memo like '%薪%' or user_memo like '%年终奖%' or user_memo like '%年金%' or user_memo like '%加班费%' or user_memo like '%劳务费%' or user_memo like '%劳务外包%' or user_memo like '%提成%' or user_memo like '%劳务派遣%' or user_memo like '%绩效%' or user_memo like '%酬劳%' or user_memo like '%PAYROLL%' or user_memo like '%SALA%' or user_memo like '%CPF%' or user_memo like '%directors%fees%' or user_memo like '%批量代付%' or cash_type like '%代发%' or cash_type like '%工资%' or cash_type like '%劳务费%' )) and amount_cr > 0 ) t1 left join ccdi_staff_fmy_relation t2 on t1.id_card = t2.person_id and t1.customer_account_name = t2.relation_name where t2.person_id is null;	大额流入金额	流水明细	一般
5	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 select t1.id_card ,t1.customer_account_name ,t1.sum_amount_cr from ( select t1.id_card ,customer_account_name ,sum(amount_cr) as sum_amount_cr from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and t2.le_account_name <> t2.customer_account_name and not (customer_account_name = '浙江兰溪农村商业银行股份有限公司' and (user_memo like '%代发%' or user_memo like '%工资%' or user_memo like '%奖金%' or user_memo like '%薪酬%' or user_memo like '%薪金%' or user_memo like '%补贴%' or user_memo like '%薪%' or user_memo like '%年终奖%' or user_memo like '%年金%' or user_memo like '%加班费%' or user_memo like '%劳务费%' or user_memo like '%劳务外包%' or user_memo like '%提成%' or user_memo like '%劳务派遣%' or user_memo like '%绩效%' or user_memo like '%酬劳%' or user_memo like '%PAYROLL%' or user_memo like '%SALA%' or user_memo like '%CPF%' or user_memo like '%directors%fees%' or user_memo like '%批量代付%' or cash_type like '%代发%' or cash_type like '%工资%' or cash_type like '%劳务费%' )) group by id_card,customer_account_name having sum(amount_cr)>0 ) t1 left join ccdi_staff_fmy_relation t2 on t1.id_card = t2.person_id and t1.customer_account_name = t2.relation_name where t2.person_id is null;	累计流入金额	个人、累积金额	一般
6	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 select t1.id_card ,sum(trans_amount) as annual_trans_amount from ( select t1.id_card ,amount_dr + amount_cr as trans_amount from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and left(TRX_DATE,10) >= add_months(current_date(),-12) --近一年 and t2.le_account_name <> t2.customer_account_name --排除同名交易 ) t1 left join ccdi_staff_fmy_relation t2 on t1.id_card = t2.person_id and t1.customer_account_name = t2.relation_name where t2.person_id is NULL group by t1.id_card;	年交易金额	个人、累积金额	一般
7	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 select t2.bank_statement_id from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and amount_cr> $$$$ ---大额存现阈值参数 and ( (((user_memo like '%现金%' and user_memo not like '%金管理%' and user_memo not like '%金添利%' and user_memo not like '%现金利%' and user_memo not like '%现金宝%' and user_memo not like '%金分析%' ) or user_memo like '%存现%' or user_memo like '%现存%' or cash_type like '%现金%' or cash_type like '%存现%' or cash_type like '%现存%' or cash_type like '%金存入%' or user_memo like '%金存入%' or (user_memo like '%ATM%' and (user_memo like '%存款%' or user_memo like '%转入%')) or (cash_type like '%ATM%' and (cash_type like '%存款%' or cash_type like '%转入%'))) and (customer_account_name = '' or customer_account_name = '无' or customer_account_name like '%存现%') or user_memo like '%DEPOSIT%') or ((customer_account_name = '库存现金' or ((user_memo like '%现金存款%' or user_memo like '%自助存款%' or user_memo like '%CRS存款%' or cash_type like '%现金存款%' or cash_type like '%自助存款%' or cash_type like '%本行CRS存款%' or cash_type like '%柜面%' or user_memo like '%柜面%') and customer_account_name = '' )) or (customer_account_name = '现金' and user_memo not like '%借款%') or user_memo like '%本行ATM%') ) ;	大额存现金额	流水明细	一般
8			短时间多次存现	短时间多次存现，次数超过设置限额	单日存现总次数	FREQUENT_CASH_DEPOSIT	员工本人	员工及其亲属账户中，按日统计现金存入次数超阈值	sql<br>--员工及其亲属 大额现金存入次数 select id_card,count(1) from ( select t1.id_card ,amount_cr from ccdi_base_staff t1 inner join ccdi_bank_statement t2 on t1.id_card = t2.cret_no where project_id = PROJECT_ID and amount_cr> $$$$$$ and ( (((user_memo like '%现金%' and user_memo not like '%金管理%' and user_memo not like '%金添利%' and user_memo not like '%现金利%' and user_memo not like '%现金宝%' and user_memo not like '%金分析%' ) or user_memo like '%存现%' or user_memo like '%现存%' or cash_type like '%现金%' or cash_type like '%存现%' or cash_type like '%现存%' or cash_type like '%金存入%' or user_memo like '%金存入%' or (user_memo like '%ATM%' and (user_memo like '%存款%' or user_memo like '%转入%')) or (cash_type like '%ATM%' and (cash_type like '%存款%' or cash_type like '%转入%'))) and (customer_account_name = '' or customer_account_name = '无' or customer_account_name like '%存现%') or user_memo like '%DEPOSIT%') or ((customer_account_name = '库存现金' or ((user_memo like '%现金存款%' or user_memo like '%自助存款%' or user_memo like '%CRS存款%' or cash_type like '%现金存款%' or cash_type like '%自助存款%' or cash_type like '%本行CRS存款%' or cash_type like '%柜面%' or user_memo like '%柜面%') and customer_account_name = '' )) or (customer_account_name = '现金' and user_memo not like '%借款%') or user_memo like '%本行ATM%') ) union all select t1.person_id ,amount_cr from ccdi_staff_fmy_relation t1 inner join ccdi_bank_statement t2 on t1.relation_cert_no = t2.cret_no where t1.status = 1 and t2.project_id = PROJECT_ID and amount_cr> $$$$$$$ and ( (((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 ((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%') ) )group by id_card ;	单日存现总次数	个人、日期、次数	一般
9	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		大额转账金额	流水明细	一般