银行中间业务论文：银行中间业务 系统开发 代理收费 增值服务 数据交换

银行中间业务论文：银行中间业务 系统开发 代理收费 增值服务 数据交换 银行中间业务论文:银行中间业务 系统开发 代理收费 增值服务 数据交换 【中文摘要】随着国内商业银行商业化程度的加深,金融服务市场的逐步开放,使国内商业银行业已经处于非常的激烈市场竞争之中,各家银行的销售工作重点是创造多元化的服务环境,扩大社会的金融服务品种,金融服务手段的多寡优劣决定了是否能留住老用户以及扩大了新用户。在要求扩大社会服务面的前提下,应运而生的是各项中间业务的蓬勃发展,各种各样的银行代理业务悄然出现,如代发工资、代收电费、代收水费、代收煤气费、代收电话费、代收税款、办理证券转帐等。银行的服务手段也从传统的柜台发展到ATM、自助终端、电话银行、无人银行等自助式的服务方式。中间业务是商业银行在资产业务和负债业务基础上,利用技术、信息、机构网络、资金和信誉方面优势,不运用或较少运用银行的资产,以中间人和代理人的身份替客户办理收付、咨询、代理、担保、租赁及其他委托事项,提供各类金融服务并收取一定费用的经营活动,银行为了适应代理业务的需要,往往基于某一业务需求,开发出相应的系统,虽暂时满足业务的需要,但却无法适应日益增多的代理业务和客户的要求,效率低下的的弱点也渐渐的暴露出来,且这种局部式的修改不利于银行应用软件的规范统一管理和基层业务的开拓。外资银行在中间业务领域拥有巨大优势,给我国商业银行正处于起步阶段的中间业务带来猛烈冲击,泰安市分行及华融公司结合多年金融电子化应用系统的开发经验,经过 充分的场调研和与银行业务、技术人员的反复协商、论证,提出银行综合中间业务平台系统的设计 方案 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 。该系统灵活地与银行储蓄、信用卡和会计业务系统结合,同时保持相对的独立性,把银行的各种代理业务集中在一起统一管理,实现各种各样不同方式的中间业务应用,方便客户和中心管理。该中间业务平台能充分利用农行计算机资源和网络上丰富的数据信息资源,向客户提供各种信息和增值服务,将中间业务系统根据相同点集成在该综合系统里面,提高了啊作效率的同时,节约了系统资源。由先进计算机系统集成的“中间业务平台”可以改善与客户接触方式,成为客户服务的一种有效手段,该中间业务平台的目标是:快速有效地向越来越多的对要求服务满意的客户提供的金融服务产品,为银行争取到的客户,改善银行的存款结构,以获取的利润。本文主要针对目前泰安市农业银行的代理业务品种繁多,无法规范,可扩展性差,功能模块的重用程度低等一些问 题 快递公司问题件快递公司问题件货款处理关于圆的周长面积重点题型关于解方程组的题及答案关于南海问题 ,针对山东省农行具体业务需求,通过充分的市场调研和反复协商、论证,开发了平台化更高的银行中间业务管理系统。本文从业务角度对系统进行了论述,对该系统的开发过程也做了完整的介绍。主要优点如下:第一,分支处理。对于运行过程与实际交易数据有关的交易,通过提供分支功能,很方便的控制交易在不同数据条件下的处理过程,提供配置交易的灵活性;第二,应用范围广。一是能运行管理中间业务并能作为独立的数据交换系统,二是能为各种自助设备提供开发和管理平台;第三,图形化配置。交易的组装采用积木式搭建,用户能从整体上直观的看到每个交易的处理过程,各个路由过程;同时结合二次开发,对客 户模块的增加也使用此方式;通过图形化方式,使交易分支的配置可 视化;第四,二次开发。能提供简单清晰的二次开发接口;通过交易 流程 快递问题件怎么处理流程河南自建厂房流程下载关于规范招聘需求审批流程制作流程表下载邮件下载流程设计 的灵活配置,用户可以不进行编码,即可开发新的代理业务;对于 特殊的代理业务,系统提供底层开发构件库,方便用户的二次开发; 【英文摘要】With the improvement of the level of commercialization of the Agricultural Bank and the expansion of bank services, the communication and exchange of business to business list have been more and more deepened. The financial services market is gradually opening up, and the commercial bank is involved in an unprecedented fierce market competition. Each bank focused on creating a diversified service environment and expanding social financial services level. The pre-service basically decide whether to absorb new users or not. The amount and the quality of financial service determine whether to keep the old users and help to expand the new users or not. In the premise of the demand for expanding the social services, the intermediary business is vigorously developing. Various bank agency business quietly appear, such as collecting payroll services, collection of electricity fee, collecting water fee, collecting gas fee, collecting phone, collecting taxes, securities transfer, etc; Bank service forms also transforms from the traditional counter into ATM, self-service terminal, phone Banks, nobody bank etc, and other self-service manners. The intermediate business based on assets business and debts business of commercial bank. In the intermediate business activities, the commercial bank, using technology, information and agency network, capital and credit advantages, not or less using the bank’s assets,as a middlemen and an agent for the customer, deal with receipts, consultation, agency, guarantees, leases and other entrusted matters and provide various financial services and charge a fee. The bank in order to adapt to agency business needs, often based on a particular business system, launched “one pass”, “all-in-one-card” and other new types of business. Although this activity meet the need of business temporarily, it can’t adapt to increasing agent business and customer requirements and the local modifications are not conducive to standard unified management of bank application software and development of the grassroots business.Foreign Banks in the areas of the intermediate business have the huge advantages, so it will brings competition to intermediate business of Chinese commercial Banks which is in the initial development.Therefore, Tai’an Branch and Huarong company,combining with many years experience of developing financial electronic application system, through enough market surviving and the bank business and technical personnel’s repeated proposing to negotiating, puts forward the design scheme of the bank comprehensive intermediate business platform system. The system flexibly combines bank savings, credit cards and accounting business systems together. And each system is maintaining relative independence. The system put the various types of agency business together to unify manage which is in order to apply variety intermediate business and be convenient for customers and center management.The purpose of this paper and the subject problem solved in this paper are developing comprehensive manage system of intermediate business Suitable for the needs, really improving the efficiency of the business disposal, mainly solving various intermediate business to share platform resources existed, making full use of computer resources of the Agricultural Bank of China, using the bank accounting system which is being used, providing information and value-added services to customers. Facing the fierce market competition, we should further convert the bank advantage in the field of network bank into the competitive advantage. “Intermediate Business Platform” integrated by the advanced computer system can improve the way in which the bank contact with customers, and become a kind effective method to provide service for the customer. The aim of the intermediate business platform is to provide more financial service products for the customer effectively who request more satisfaction service for themselves;strive more customers for bank, improve deposit structure of the bank and get more profit.There are some problems pointed by this paper in the Agricultural Bank in Tai’ an City. Such as the current agency business of Agricultural Bank in Tai’an City is various, it has not normal standard, as well as scalability between each system is poor, the importance degree of using functional module is low. Suitable for the specific requirements of Shandong agriculture business, the management system of bank intermediate business which have higher platform has been developed. This system is based on the plenty market research and repeated consultations and demonstrations.First, the disposal of branch. The trade which operation process is relevant with actual transaction data, by providing branch function, could be convenient controlled under the different data conditions in its process. It will make the configuration trade flexible.Second, wide range of application. First of all, the independent data exchange system can run and manage the intermediary business.It makes full use of the similarities between each system. The system occupies the minimal resources and dramatically improves work efficiency. Secondly, the system provides developing and managing platform for various self-help equipments. It reduces many unnecessary troubles. 【关键词】银行中间业务 系统开发 代理收费 增值服务 数据交 换 【采买全文】 1.3.9.9.38.8.4.8 1.3.8.1.13.7.2.1 同时提供论文写作定制和论文发 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf 服务.保过包发. 【 说明 关于失联党员情况说明岗位说明总经理岗位说明书会计岗位说明书行政主管岗位说明书 】本文仅为中国学术文献总库合作提供，无涉版权。作者如有异议请与总库或学校联系。 【英文关键词】bank intermediate business system development Agents fees value-added services Data exchange 【目录】农业银行中间业务综合管理系统 摘要 10-12 ABSTRACT 12-14 第1章 绪论 15-21 1.1 课题的研究意义 15 1.2 系统的主要功能 15-16 1.3 系 统开发背景 16-17 1.4 国内外现状调研 17-18 1.5 解 决的问题 18-19 1.6 系统实施可行性 19 1.7 本文的组 织结构 19-21 第2章 需求分析 21-42 2.1 需求分析概 述 21-23 2.2 功能需求描述方法 23-32 2.2.1 日常维 护 24-28 2.2.2 委托代扣功能需求 28-31 2.2.3 与委 托方对帐 31-32 2.2.4 打印功能需求 32 2.3 系统数据 库功能需求 32-33 2.3.1 流水表设计需求 32-33 2.3.2 中心流水表需求 33 2.3.3 后台数据库表需求 33 2.4 通讯模块 33-39 2.4.1 通讯功能需求概述 34-35 2.4.2 打包格式需求 35-39 2.5 打包解包模块需求 39 2.6 异常情况处理需求 39-40 2.7 非功能性需求 40-42 2.7.1 硬件设备需求 40 2.7.2 系统软件需求 40-42 第3章 设计与实现 42-70 3.1 技术架构设计 42-44 3.1.1 功能架构 42-43 3.1.2 网络架构 43-44 3.2 软件配置方案 44-45 3.2.1 操作系统选定 44 3.2.2 数据库选定 44 3.2.3 程序开发包选定 44 3.2.4 应用程序选定 44-45 3.3 功能结构 45 3.4 功能设计 45-46 3.5 数据库功能设计 46-52 3.5.1 银行前台数据库表设计 47-49 3.5.2 银行后台数据库表设计 49-50 3.5.3 数据接口设计 50-52 3.6 通讯模块设计 52-53 3.7 打包解包模块设计 53-55 3.8 中心平台主流程设计 55-56 3.9 网点业务流程设计 56-58 3.10 中间业务平台处理流程设计 58-59 3.11 功能模块设计 59-63 3.11.1 日常维护 59-61 3.11.2 委托代扣处理 61-63 3.11.3 中心统计功能设计 63 3.11.4 打印功能处理 63 3.12 系统的维护 63-65 3.12.1 一般情况处理设计 64-65 3.12.2 异常情况处理设计 65 3.13 部分实施代码 65-70 3.13.1 连接数据库程序部分代码 66-67 3.13.2 数据交换代码 67-68 3.13.3 中心代网点对帐程序 68-70 第4章 系统测试 70-74 4.1 正常业务测试 70-71 4.2 异常情况处理 71 4.3 压力测试 71-72 4.3.1 测试环境搭建 71-72 4.3.2 测试环节 72 4.4 控制平台的可扩充性 72-73 4.5 控制平台的友好性 73 4.6 测试结论 73-74 第5章 结论 74-75 参考文献 75-76 致谢 76-77 学位论文评阅及答辩情况表 77