The Scheme For JiLin Posts Electronic Remittance Access System Reform

In recent years, with the enhancement of economic interactionamong the areas of our country, personnel flow becomes more frequent.More and more people go out to work, to trade and to study.Individual's demand for financing at different place expandingbrings great business opportunity for the market of exchange, andat the same time,stimulates the development of the market of domesticexchange. In the face of this enormous market, each large commercialbank sets foot in the market of personal exchange one after anotherand seizes market shares , which leads to management mainstreamchanged(The pattern of this postal one taking on world in the pastdevelops into new pattern of multi-financial institution and postalservice competing).At present, the main competitor of postal service in thedomestic individual remittance market is the construction bank andthe industry and commerce bank. These two banks are all the powerfulstrength state-owned commercial bank and all have establishedindividual money order business system which covered the nationalnetworking mesh point. The mesh point scale is big. The agriculturalbank and the Bank of China also use their own computer system tohandle individual electronic money order business. The remittancecan be received lively or within 24 hours. Many financialinstitutions that participated in the competition complete the bankinterior networking construction before the postal service, and havecarried out the network transformation and individual settlementaccount product upgrade one after another, which enables individualelectronic remittance service to tend to the diversification.Presently, comparing with each big commercial bank's individualelectronic remittance, postal service remittance interconnectionrates is low,which is the primary bottleneck to restrict the servicedevelopment. Remittance mesh point interconnection rates is low, onthe one hand ,which causes the user to use service inconvenient,harms the postal service social image and causes the partial usersto drain;On the other hand, the mesh point which are not beinterconnected have to depend upon the later period's artificialrecording ,which causes both the waste of manpower and the physicalresource and influences the effectiveness, and at the same time,makes the service quality drop. The Jilin Province has postalservice remittance mesh point (including city county center) 1,376,only 366 mesh points networking, interconnection rates is 26.5%, islower than other commercial banks by far.The main reason of Jilin postal service remittance systeminterconnection rates low is the enterprise fund question. Onstagemesh point applied by the present remittance system uses "singleterminal" the network way: Each mesh point provides a server,connects the terminal achievement from the mesh point server to dobusiness, a network server serves only one point, utilization ofequipment is low, enterprise input / output value is high andeconomic benefit is low.Increasing postal service enterprise service mesh pointinterconnection rates, improving the quality of service, is mosturgent question which the postal service remittance service needsto solve in the market competition. In order to enhance theenterprise service mesh point interconnection rates, it has toincrease the equipment and the line investment, which causes theenterprise operation cost to increase. How to enhance the remittancemesh point interconnection rates in less investments situation, thisis the core question which this article studies. Under teacher'sinstruction, during the process of proof, finally concludes:receiving the mesh point onstage server on, is the most economicalfeasible method to solve fund investment question and reducemanpower maintenance cost. After the test, max-number of mesh pointorganization on a server being installed can be determined.According to the Jilin Province remittance mesh point scale, thepurchase of the quantity of the equipment can be determined, and theentire province remittance mesh point networking can be carried out.Along with the service development, more and more situationsdemonstrate: another important attribute which influencesremittance service market competitive power is the unitaryremittance service type and the scattered postal service financeservice. Because traditional electronic remittance system andpostal savings system are relative independent, although theelectronic remittance system has promoted many new products and theservices one after another, the postal service remittance servicestill limited to the traditional cash remittance service way. Alongwith variation and the development of individual settlement servicemarket, the customer needs are more convenient, quicker, and saferservices that takes the account remittance as the foundation nimblediverse settlement. Obviously the existing postal serviceremittance product already was unable to satisfy the customer varieddemand. It is hard to adapt to the intense market competition. Basedon this kind of situation, the state postal bureau organized in 2005implemented two nets interconnecting the project (The chinesepostal service remittance system and the postal savingssystem ) ,which realized organic conformity postal serviceremittance service and the postal savings service, which promotedvarious kind of remittance product that takes the account as thefoundation, and riched service variety, further opened up theservice domain unceasingly, fully displayed the overall superiorityof the postal service finance service. But because in the postalservice traditional management pattern, the deposit of postalservice finance, the remittance service are in charged in the postalservice enterprise interior by two departments: The remittanceservice is managed by the management business agency, but thedeposits service is manage by saving bureau, for the user, handlesthe deposit service to deposit desk, but handles the remittanceservice to business desk. It is inconvenient to the user and losesthe partial users. Therefore integrating onstage access system ofthe postal service finance service(integrating of deposit, theremittance service access system), thus will provide a multiplexpostal service finance service environment to the user , then it isnecessary to enhance the market competitive power of the postalservice finance service.This article has made the overall introduction to the chinesepostal service electron remittance system, it has made the analysisto the current Jilin postal service electronic remittance system onaspects of system access way, mesh point informationizationconstruction and so on, summarized the system current existencequestion and reasons. From the points of entire province networkplanning, the province center local area network transformation andthe mesh point access system integration and so on, formulatedthe Jilin postal service electronic remittance access systemtransformation overall plan.First, network transformation, the structural adjustment of theoriginal network system, broaden the network bandwidth, spacereserved for future business development.Second, access server located in provincial center, as theaccess of all exchange points Qianzhiji. Access server located inthe green card room connects the electronic exchange host placed inthe engine room of the integrated network .It chooses the mostadvanced network segregation technology products --internet gatesto achieve the physical separation and data exchange betweenintegrated network and green card network.Finally complete the postal service finance service onstageaccess system integration: the deposit service window merges withthe remittance service window. The concrete procedure is to mergethe remittance service desk with the deposits desk, to complete thedata the transmission with the aid of the deposit transmit platformthe. The service can be handled at the deposit-remittance desk,which will make the original desk service function to be moreperfect, more convenient to customer, which will reduce the customerstandby period, which will be helpful in the promotion professionwhole service level, which will make the postal service financeservice brand.