Design And Implementation Of Financial Assets Integration And Recombination System For Bank Individual Customer

With rapid development of financial industry, the competition between domesticbank industries is growing every year. During these all kinds of competition, contentionabout customer resource have turn to be an focus recent years. Based on the2:8principle,80%profits of bank is created in the serving for high-quality customers whoare just made up of20%of customer collectivity. The data mean that the numbers ofhigh-quality customers are the source of bank profit. Or it could be consider as that thenumber of high-quality customers have decided the future of bank.With the development of financial market, the dominant part of business hasswitched from the bargainer to the purchaser. It means that the bank has been asked toown the ability to accurately market analysis. The banks need to find out the customer’sdemand of financial investment, and then offer the adapted financial productsvto thecustomers. For the high-quality customers, a more particular and individual plan isnecessary. With the development of china economy，the reform of monetary system andwith the increase of people’s wealth, the demands for financial services increase andpersonal financial services became the focal point of the banks both at home and abroad.As the financial market ceaselessly matures, the people’s concept of financialmanagement is changing, they abandon risky investment strategy, begin to seek prudentinvestment, financial security and banking plan, hope to ensure their profits withlow-risk. In this case, to the banks, how to configure reasonably personal financialassets will directly affect the bank customer’s financial goals and appears veryimportant.Combined with the famous thought of object-oriented programming, thedissertation uses mature software development techniques to achieve the financial assetintegration and system restructuring. The system bases on B/S architecture, MVCprogram design pattern, C#3.0object-oriented programming language. NET3.5application framework and SQL Server2005database, and its main function includesnitializing customer’s financial assets information by importing data from othersystems,customer management, financing product management, financial assets reconfiguration scheme management, financial configuration management and systemdata maintenance. And the whole web application system’s operation is easy, interfaceis friedly and user interaction mode is very simple. System testing shows that system isable to meet the need of financial planner to reconfigure personal customer’s financialassets and it can help the financial planner to increase productivity, improve customerservice.