The Research And Design Of Bank’s Bill Clearing System

With China’s entry into WTO，the national commercial banksface pressure of competition both from international and internalmarket. As the place of short-term cash transaction, bill market is avery important part of the monetary market. Money supply anddemand between national banks is realized through bill discount andtrans-discount (including retropurchasing). The indirect financingbetween enterprises and banks is more convenient and various, whichfurther strenghten the capital fluidity between enterprises and banks.The monetary market，capital market and indirect financing marketbetween enterprises and banks gradually form a beneficial interactioncondition. As the national financing market situation for huge capital,big transaction and big market has gradually formed, the developmentof our bill market plays an important role in the development of ournational economy.The traditional bank clearing pattern and commercial bankclearing system in our province can not meet the growingrequirements of bill market. An advanced bank clearing systemshould be developed to provide high quality and efficient financialservice. Based on OCR technology and Database technology, thispaper studies and designs a bill clearing system based on commercialbank and people’s bank.First, this paper introduces the western new-type bank clearingpattern, and summarizes the merits of the new bank clearing pattern.Next, it introduces the related technologies like OCR and Firewall.Then, it analyzes the requirement of the system, designs an overallstructure and lays stress on illustrating the system by clearing bill andanalysing magnetic code. After that, it elaborates the design andimplementation of related modules. Finally, it analyzes the testingresults of the system and draws a conclusion.Separate from the bank bill management system, building anindependent bill clearing platform is the trend of the development of the bill business. This clearing system satisfies requirements of thebank clearing service of Changsha City banking industry, and willgain a good social and economical benefits.