The Study Of New Generation Core Banking System Construction Based On Enterprise Architecture

Facing with accelerating financial globalization, Financial marketrization, the diversification and syntheticalrization development paces,the various banks are experiencing fierce competitions, supervision standard internationalization and the customers' new needs. The financial environment for banking is undergoing profound changes, which make most banks face new challenges. To establish a set of new generation core banking system adapting to whose business development strategy is an important means to meet the challenges. The core banking system is the foundation and core of the bank information system which realizes customer relationship management, products and services, business process, financial accounting and management, risk control, auxiliary management and decision making. It is the banking application systems integration of the most core banking business. The introduction of advanced ideas and methodological guidance for planning and implementation is the premise to ensure a scientific, advanced and adaptable new generation core banking system.Enterprise architecture is a concept and method which is used to organize the business architecture, further analyze and plan the IT architecture, guide and standardize the construction of the computer information system from a strategic enterprise point. It is one of the best concepts and methods most frequently applied by the major international enterprises for their researches and improvement of information system structure. On the basis of a good understanding of the transaction strategy and process, a top-level information design is made through an enterprise architecture plan which carries on the overall plan and the science implementation to enterprise's information system. Thus the enterprise's business strategy, the transaction process and the specific information system can be unified. It depicts a vivid blueprint for enterprises of transaction, information, application and technological interaction in the future enterprise informationization.In line with the basic concept and method of the enterprise architecture, this paper unifies the domestic financial environment and domestic and foreign core banking system construction new tendency. It bases on fully sort out X bank's business architecture and IT architecture according to the building ideas "a high degree of integration of business and technology, planning and implementation of two-lane simultaneously", from the situation analysis, models, goals and routes in-depth analyze and research X bank's new generation core banking system planning and construction.It also further analizes the new generation core banking system construction and the implementation difficulty and the key points and provides the meaningful exploration for the new generation core banking system construction based on enterprise architecture in the domestic commercial banks.