Figure 1:The approval process of car loans

   According to the above describedAuto loan processBusiness process management, here is how to create the bank solution. From the business process and management of the entire life cycle, process modeling provides a meta model for process monitoring run time, this model will guide monitoring engine extraction from the IT system in the complex is really significant events and data, and finally together become the business performance indicators. From the car loan process, business process and its basic include: user submitted the application, credit officer to implement credit evaluation, credit manager for approval, and notify applicant examination results. The issue now is for such a simple process to construct a real user needs and flexible response easy business monitoring expansion solution. From the implementation steps, the whole process can be divided into the following steps: identification of business goals, determine the key business performance indicators, construct the mapping relationship, the establishment of early warning rules and design of trigger time.

   1) recognition business objectives: to determine the company's business goals is the method of first. Analysis of staff through repeated discussions and business personnel, first need to determine the company's overall business goal programming. A principle is very important in this step is to analyze the staff need to work closely with the real business personnel, as required by the business personnel to determine what is the business index of the company, and not by the analysis of personnel for others. Auto loan process, the non-performing loan ratio and process execution time are two important indexes, the non-performing loan ratio determines the profitability, and loan process execution time reflects the loan department's working efficiency, thus further affects customer satisfaction. This paper will loan process execution time business object is defined as 5 working days to reply to a customer, the ratio of non-performing loans business goal is set to 10%. The company's overall business goal programming to determine not at this stage of the end, developers also need to refine some dimensions according to the business objectives, such as in accordance with the time, product categories and corporate institutions further refinement, determined for each category of business objectives. Finally, the result is a detailed description of the customer demand business goal specification document.

   2) identifying key business performance indicators: in determining the business goal, designers need to business objectives into business metrics, namely quantitative method to describe the business. KPI can reflect quantitative business objectives, which defines how to calculate target values from business process execution level, and the value of target range size. The car loan process as an example, the process execution time has a maximum execution time, once a certain application case handling time exceeds the time, need to promptly notify the relevant personnel, and make the corresponding decision making can be completed in a timely manner to ensure the business. In this paper, the key performance index value of loan application process for 4 days, change is in the range of -1~+1 day. From the operation point of view, value and variable threshold KPI are configurable.

   3) builds the mapping relationship: KPI defines business personnel need to monitor content, but how to based on the existing data to calculate KPI also requires developers to do further. Generally speaking, KPI's formula is applied in the business metric aggregation function related data, such as maximum, minimum or average value. So, the third step is required to define the relevant business model, and establish the mapping between business metrics and KPI. Still with the average processing time for an auto loan process, designers need to first create the two business metrics to save loan process instance start time and end time, and then measure the processing time to save a single process instance create an instance, the last for some examples of metric averaging, and calculate the average processing time need to process.

   4) establishing early warning rule: in determining the mapping of KPI and their relations, developers also need to establish early warning. Alert rule is usually prompt information with a clear business meaning, it is used in the process execution is abnormal to the relevant staff to send warning messages, such as KPI value exceeds the range of. In this step, developers need to first according to business performance indicators, determine the rules trigger condition, and then determine the conditions once triggered by the need to take the action of system, can take the action types include to business personnel to send e-mail, send mobile phone Short Message or written records to application specific database. The car loan process as an example, the early-warning rules can be defined as when the car loan application process execution time is more than 5 working day will automatically warning sent to related business news. Of note, warning messages not only serve key performance indicators, and developers can also measure the warning rules for business.

   5) selection triggers different important: business process monitoring and traditional business intelligence is one of the initiative, which is capable of real-time response to changes of the external environment, the whole process triggered by monitoring events. There are many sources of trigger events, events may come from the state of the event provided the flow operation, may also be asynchronous message application system explicitly sends. When the trigger event occurs, the system start computing business performance indicators, and then according to the calculated results to choose whether or not to send warning messages. In a sense, the triggering event is actually reflect the IT system execution log. When some action occurs, IT system was told business activity monitoring component, system data has been changed, and some actions according to the monitoring model of user defined needs.

   Below is the average processing time for modeling business monitoring index. We can see from the chart, in the process of starting the first activity starts running trigger loan application start trigger, the trigger directly start the stopwatch. In the process of operation at the end of last activity finish is triggered when the loan application end trigger, the trigger end stopwatch. So, each process instance will have business processing time. KPI for business processing time all the implementation of average value calculation, the whole process is the average processing time, but also to graphically display to a business person.

Fig.2: the average processing time modeling example auto loan process Bank

                         From: management and monitoring activities to serve as the centerAuthor: MR, Yao Hui