Check Image System Design And Implement In Rural Credit Cooperative Of Shandong

According to the planning, the payment clear account system, based on the business bank internal system, will be formed in the future in China, with the modern payment system as the core and the co-existence of the electronic exchange, the card-based exchange and bill exchange.Based on the national condition of China and draw on the advanced experiences abroad, the China people's Bank determines to establish a national check image exchange system to realize the nationally general use of the check through the retaining of the check and the reform of the check clear account pattern.The national check image exchange system refers to the comprehensive use of the image technology and the payment secret code to transfer the paper check into image and electronic clear account information and thus realize the retaining of the paper check, and meanwhile realize the check nationwide general use business handling system through the application of net technology to pass on the check image and electronic clear account information to the opening-account bank to prompt the payment.The small amount payment system common loan record business, which regularly records the business and the online business, has been established in Rural Credit cooperative of Shandong in April 2006. The small amount payment system cross bank deposit and exchange system has been spread by December. When the edition of the general deposit and exchange system promoted, the prime machine of the People's Bank has been changed into payment system new edited software, including the check image business handling system edition.The Financial Accountant Department of the Provincial Connective Community has organized people connected to prove sufficiently the People's Bank's national check image exchange connection mode and the check business examination means, confirm the connection mode as decentralized mode and the examination means as secret code payment.Applying the traditional waterfall mode software exploitation and C as the tool, this thesis probes the demand analysis, system design and exploitation realization of the check image system of Rural Credit cooperative of Shandong. It further analyzes the current situation of the system exploitation background and the check image system home and abroad, the business requirement of the check image system in Rural Credit cooperative of Shandong. Meanwhile, this article puts forward the frame design of the system and describes in detail the data bank design, realization and examination.Based on the situation of Rural Credit cooperative of Shandong, this thesis deals with the following key problems:The first one is to fulfill the requirement of the "decentralized and centered" system in Rural Credit cooperative of Shandong. Rural Credit cooperative of Shandong comprehensive business system data still exists in the cities, but the united check image system is established in the province. The check image system prime machine is put in the center of the net in Rural Credit cooperative of Shandong, exchanging kinds of business data through the connection of the comprehensive business system in the cities.The second one is to fulfill the requirement of the multilevel legal person management. The multilevel legal person, such as the credit cooperative, the county cooperative, the city cooperative and so on. Based on the level of the net place, the system classifies the current and the handling charge and therefore adjusts the multilevel legal person management of Rural Credit cooperative of Shandong.The third one is to block the assembly. The whole system can be classified into three parts, the prime machine block, the province-centered main engine and the local main engine block. These three parts are sub-classified into smaller blocks.The fourth one is to low the cost. The cost will be reduced because the check image system applies indirect connection and meanwhile realizes the application of the current net source. At present, this system is put into practice in Rural Credit cooperative of Shandong, which fulfills the requirement of the business and thus achieves the expected effect.