Comprehensive Management System For Agricultural Bank Middle Business

With the improvement of the level of commercialization of the Agricultural Bank and the expansion of bank services, the communication and exchange of business to business list have been more and more deepened. The financial services market is gradually opening up, and the commercial bank is involved in an unprecedented fierce market competition. Each bank focused on creating a diversified service environment and expanding social financial services level. The pre-service basically decide whether to absorb new users or not. The amount and the quality of financial service determine whether to keep the old users and help to expand the new users or not. In the premise of the demand for expanding the social services, the intermediary business is vigorously developing. Various bank agency business quietly appear, such as collecting payroll services, collection of electricity fee, collecting water fee, collecting gas fee, collecting phone, collecting taxes, securities transfer, etc; Bank service forms also transforms from the traditional counter into ATM, self-service terminal, phone Banks, nobody bank etc, and other self-service manners. The intermediate business based on assets business and debts business of commercial bank. In the intermediate business activities, the commercial bank, using technology, information and agency network, capital and credit advantages, not or less using the bank's assets,as a middlemen and an agent for the customer, deal with receipts, consultation, agency, guarantees, leases and other entrusted matters and provide various financial services and charge a fee. The bank in order to adapt to agency business needs, often based on a particular business system, launched "one pass", "all-in-one-card" and other new types of business. Although this activity meet the need of business temporarily, it can't adapt to increasing agent business and customer requirements and the local modifications are not conducive to standard unified management of bank application software and development of the grassroots business.Foreign Banks in the areas of the intermediate business have the huge advantages, so it will brings competition to intermediate business of Chinese commercial Banks which is in the initial development.Therefore, Tai'an Branch and Huarong company,combining with many years experience of developing financial electronic application system, through enough market surviving and the bank business and technical personnel's repeated proposing to negotiating, puts forward the design scheme of the bank comprehensive intermediate business platform system. The system flexibly combines bank savings, credit cards and accounting business systems together. And each system is maintaining relative independence. The system put the various types of agency business together to unify manage which is in order to apply variety intermediate business and be convenient for customers and center management.The purpose of this paper and the subject problem solved in this paper are developing comprehensive manage system of intermediate business Suitable for the needs, really improving the efficiency of the business disposal, mainly solving various intermediate business to share platform resources existed, making full use of computer resources of the Agricultural Bank of China, using the bank accounting system which is being used, providing information and value-added services to customers. Facing the fierce market competition, we should further convert the bank advantage in the field of network bank into the competitive advantage. "Intermediate Business Platform" integrated by the advanced computer system can improve the way in which the bank contact with customers, and become a kind effective method to provide service for the customer. The aim of the intermediate business platform is to provide more financial service products for the customer effectively who request more satisfaction service for themselves;strive more customers for bank, improve deposit structure of the bank and get more profit.There are some problems pointed by this paper in the Agricultural Bank in Tai'an City. Such as the current agency business of Agricultural Bank in Tai'an City is various, it has not normal standard, as well as scalability between each system is poor, the importance degree of using functional module is low. Suitable for the specific requirements of Shandong agriculture business, the management system of bank intermediate business which have higher platform has been developed. This system is based on the plenty market research and repeated consultations and demonstrations.First, the disposal of branch. The trade which operation process is relevant with actual transaction data, by providing branch function, could be convenient controlled under the different data conditions in its process. It will make the configuration trade flexible.Second, wide range of application. First of all, the independent data exchange system can run and manage the intermediary business.It makes full use of the similarities between each system. The system occupies the minimal resources and dramatically improves work efficiency. Secondly, the system provides developing and managing platform for various self-help equipments. It reduces many unnecessary troubles.