| The intermediate service refers to the service that offers kinds of financial service and thereby collects service charges besides the traditional asset and liability services in the commercial bank. It neither shoulders or forms the crediting debts directly nor draws its own assets. The intermediate service of the commercial bank mainly includes services of settling accounts, being a deputy, trusting, letters of credit, renting, consulting, ensuring and others. As an inexorable product of the deepening of finance and the competition in the financial field, the intermediate service is developing quickly, spurred constantly on by the relaxation of finance control, the development of the financial market and the public demands. Now it has become the main income source of the modern international banks. It plays a key role in improving the marketing structure and results, and bringing up new points of increasing benefits to meet the needs of the marketing and internationalizing development of finance. Because of its features such as low costs, low degree of risks, fast circulation, high profits and so on, the intermediate business has become the emphasis of developing commercial banks in the west. It is one of the main sources gaining profits in some developed countries. There is an unutterable distance between the commercial banks at home and abroad in developing the intermediate service, but it also means that those at home have a great market potentiality and developing space. It has become an imminent task for the commercial banks home to think about how to grasp the opportunity, extend the market and develop the intermediate service greatly.As one of the intermediate services, housing accumulation funds service is of low degree of risks and high degree of profits. It has become very important in the field of banks' developing of the intermediate services. The housing accumulation funds service increases the benefits of the intermediate services, and decreases the manual burdens of the housing accumulation funds department caused by the fees-collecting service. Besides, it offers convenience for individuals and enterprises when they collect fees and loans. Therefore, it is a deputy service of practical significance.The housing accumulation funds management system departs from the former bank business service system. It consists of two parts, the server and the clients (every business sites). The server system is formed by IBM server, UNIX, and SYBASE database. For the clients, Windows98 is used as OS, and PB is used for development of interface and background maintenance. Business sites operate the database on the server through client. Data loading and saving between the two systems are performed through ODBC. The housing accumulation funds management system consists of two main sub-systems: counter business service and center business service. Counter business service consists of accumulation funds collection and exertion. The accumulation funds collection consists of unit opening account,individual opening account,paying fund operation,paying fund after operation,draw money operation,cancel account operation,individual transfer,individual switch,modify operation and radix regulation moduleï¼›the accumulation funds exertion consists of engage fund register,manage business module. The center business center consists of yearly settlement interest flow,transmission to The Housing Accumulation Funds Management Center,daily start and daily end module. The function of each module and how to actualize them are introduced.The main features of the housing accumulation funds management system are as followed:SecurityThe housing accumulation funds management system is very secure because it runs on UNIX platform.First, the database is the secure SYBASE. It could maintain the consistency and the integrality effectively, record all the operations of the users in the network, and the log could be inquired. The data are encrypted during transfer. The database system only runs allowed jo... |
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