Business Financial Manage System

Along with the fiercer competition in banking industry, the stronger development of banking business and the emergence of different situations, traditional asset operations cannot satisfy the financial service need of customers. Therefore, conglomerates are demanding the development of a series of middle services for account management. Under the circumstances, banks provide different individualized increment services to attract more high grade customers, which has become an important task for the development of the application system.In order to standardize financial operations as well as improve the efficiency of money management, first-class Conglomerates have developed different ERP financial management system, which requires to be connected to the main operating banks. To simplify the interface of ERP system and banking systems, these conglomerates designate only one main bank to provide services to them through public bidding, or the main bank works with other banks to provide services. For the sake of winning the public bidding, it is essential to develop a set of system to satisfy different needs of customers and improve banks'finance management ability.Focusing on the financail management needs of conglomerats and the complete automatic running systems of commercial banks, this essay aims at doing some research and designing automatic running systems for host computers that connect conglomerates and banks. The main work include:Firstly, to introduce the background of financial management systems and their research and development. To analyse the prospect of automatic payment systems. To expatiate on the research in detail and figure out the unfinished research and their functions.Secondly, this essay mainly focuses on the concept of integrated payment account and its operation. To deal with the integrated service systems of banks's host computers, this essay further explains the interface of integrated payment system and describes every field of communication zone in detail to ensure the correctness and efficiency of the explanation in terms of pseudocode. Moreover, design a flow chart in pseudocode to illustrate the process of interface program and describe each operation of integrated payment system. There is a chaper to supervise the unsuccessful payment of the system afterwards and point out the remediation in the essay. Since the functions are quite similar to the banking operation, the essay only has some descriptions and supplements.Thirdly, this essay has an in-depth research of the collecting and paying of companies's account and expatiate on the grade and relationship of different conglomerates. It has collecting and paying process in flow chart and describes the operation between main account and subordinate account. Furthermore, it investigates the collecting of surplus and insufficiency and other different operations. There are mainly four ways of collecting: full-amount collecting, integral collecting, preserving collecting and retainable integral collecting. And the four ways of paying are fixed payment, balance payment, minimum payment, and fixed unit payment. This essay further explains each term to improve the flexibility of collecting and paying operation and illustrates the different result of the operation.Fourly, the essay sets forth the background structure of the account management system under the host computer system and by using the flow chart to illustrate the connection of different databanks and documents. Besides, the essay also explains the data structure of host computer as well as their users- conglomerates, and describes the relationship of operation and databank. The data structure is designed for the function of balance statistic, electron statement, collecting and payment bills etc. Considering the operating efficiency of host computer, this project puts the operation of account modification and account control function to the backstage to avoid the consume of host computer resource during busy hours in daytime.