Analysis And Design Of Bancassurance System

The Bancassurance system is a kind of application system that supports real time online transaction between banks and insurance companies. By a Bancassurance system, the bank transmits the underwriting information from the insurance company to the customers, and prints out the insurance policy timely after receiving underwriting confirmation from the insurance company. Thus, the bank provides insurance agency service to customers who buy insurance in banks.This article uses ORACLE10G large database system and JAVA programming language, together with JDBC/MVC/SOCKET/SPRING, etc. programming technologies, to achieve functions of the bankcassurance system, including communication management, message management, business management, safety management and reconciliation management.This article analyzed the background of bancassurance system and the up-to-date development at home and abroad. The article also describes briefly the main issues in designing the system; focuses on system goal, design principles, system architecture and system function groups; analyzes key business, user screen design, system interface and other parts in system developing process, and lay out the specific implementation technique and methods.The key issues resolved in this article are as following:First, it conforms to J2EE standards to utilize advanced software structure to design and develop system. Thus, it can combine smoothly with current bank operation system, support business connection with multiple insurance companies, have adaptive system interface design, satisfy connection with relative parties, and achieve powerful and adaptive functions for various business service.Second, based on the software and hardware of current bank teller system, the system supports the development of interface between current business system and bancassurance system. It can achieve real time and batch operation of bancassurance business, support online policy issuing, online underwriting, and support current multiple bank channels, including teller, telephone bank, ATM, online bank. It also supports various statistics reports of bancassurance and analysis functions, and provides data for other analysis system. Third, the system has adaptive expansibility. It can, according to development requirements of intermediate business, add on more new functions to meet the requirements of follow-up development and testing. As the domestic insurance grows, it can easily achieve relative product functions by combining new business features.