The Design And Implementation Of The Bank-enterprise Reconciliation System

The bank reconciliation is the most effective and direct means of communicationbetween the bank and enterprises bank. It is the most effective and direct way for thebank to find out the errors, the economic cases and to block the loopholes in fundmanagement. What’s more, it plays a more and more important role in preventingoperating risks and ensuring the safety of the bank management. Therefore, financialregulation agencies and institutions place more attention to bankreconciliation and makegreater efforts on it.Creating an efficient and unified electronic management platform can be helpful totake full control of the process as well as the result of bank reconciliation. What’s more,the integration and processing of the data on reconciliation carried out at count and byelectronic means can help the managers to make decisions and carry out management.Once the construction of electronic management platform on the bank reconciliation issuccessfully made, on the one hand, the efficiency and the precision will be enhancedgreatly, which can further improve the banks’ ability to take control of the bankreconciliation and prevent the operating risks. On the other hand, the demand for staff ininternal administration will be on the decrease and reduce the amount of work oninternal statistics and analysis in large amount, which will in turn decrease the cost onlabor and internal management.The thesis takes the bank reconciliation system in Huishang Bank as an example,making analysis of each link in the bank reconciliation system gradually whileHuishang Bank developing the bank reconciliationsystem in order to elaborate how thebank reconciliation system is made.The system is made up of two sub ones, that is, thesubsystem of management platform on the bank reconciliation and the subsystem of thebank reconciliation in the electronic bank. The main functions of the subsystem ofmanagement platform on the bank reconciliation includes the fundamental parts, that is,the management in bank outlets, on bank tellers and their competence, on the content ofthe bank reconciliation, on the act of the bank reconciliation, on the result of the bankreconciliation and on the data of the bank reconciliation and on the reports. The subsystem of the bank reconciliation in the electronic bank mainly provides interfacesfor the electronic products in the bank, whose main functions are as follows, makingon-line bank the main access to the electronic bank reconciliation, providing thecustomers a complete service on bank reconciliation in the form of WEB, makingmobile bank the assisted access to the electronic bank reconciliation, which can provideconvenient and flexible services, like notifying and reminding with SMS.The system has improved the efficiency of the bank reconciliation and hasenhanced the ability to take upthe bank reconciliation in Huishang Bank, which haseffectively the ability on management against the risks and greatly decreased the cost ofbank reconciliation.