Research On Business Components In Commercial Bank And Their Applications

In the development of economic globalization context, opening and competition have become the mainstream of financial developments over the world. The global competitions of banking industry are of increasingly fierce. The processes, products and services of commercial banks have been changed significantly, which demand higher standard and flexibility to the business modeling technology. Therefore, the research on the business component in commercial banks has important and positive significance for a wide range of applications.In recent years, the developments of information technology have greatly affected and promoted the reforms and progresses of commercial banks, such that commercially banking has become an industry which is highly dependent on information resources and technology. The key idea behind components modeling is to adapt changes in business and then enhance flexibility and expansibility of the business model, by using the reusable, combinable, configurable and replaceable components. Today, the business scope as well as the operation and collaboration mode of business in domestic commercial banks is in a large gap comparing with the international advanced level. Meanwhile, the managements of domestic commercial banks are changing severely and rapidly, resulting in an unprecedented requirement to the flexibility of information technology arose by the business developments. Business component modeling thus plays irreplaceable roles to the current situation of Chinese commercial banks. Moreover, China Construction Bank is now faced with many problems, such as business modeling, business architecture planning, SOA architecture based developing, etc., which make the research and applications of business component more important and urgent.In this thesis, a workable method and standardized specification are presented to identify and describe the business components using the component theory, which are based on businesss requirements and have been investigated, analyzed and verified in the real applications. The concept of business component is defined according to the special problem domain, and the methods for analyzing transaction processes are proposed with the goals of identifying the business components, by using U/C matrix and genetic algorithms. We also proposed a standardized method for formally describing the business components. To our knowledge, the researches above mentioned have not been early published in China.Furthermore, the above method and specification have been used to the entire process of securities business in China Construction Bank based on the ideas of software engineering. The performances of related business components were also completely assessed in practice.