Design And Implementation Of The Retail Banking Management Performance System

Retail banking is refers to the commercial banks to provide comprehensiveservices to consumers and small and medium-sized enterprise, including daily deposits,loans, settlement, investment management and other business. With the continued topromote the development of our financial market and financial reform, the retailbanking business has become one of the key areas of domestic banks.Retail business with little influence by the economic environment, credit risk islow, the capital occupied less etc. characteristics, can effectively save resources. Thebank has three big reasons need to focus on the development of retail business. One isChina’s macro economy continues to improve, GDP and disposable income of urbanresidents increased steadily, although it is expected that future economic growth willslow down, but will not change the overall trend for the better, the rapid development ofthe majority of the residents demand for retail banking business to promote retailbusiness. The two is with the acceleration of domestic financial reform, interest ratemarketization force banks to speed up the transition to retail, fully open the future ofdeposit and loan interest rates, bank will make in the traditional credit marketcompetition tends to a white hot. Retail profit of China’s commercial banks accountedfor a large gap between the ratio and the international advanced banks still, so ahead ofthe layout of the retail business, will significantly enhance the bank’s competitiveness,obtain stable fee income. Three is the "financial disintermediation" bank status intraditional business gradually marginalized, with the continuous development of riseand the P2P of the Internet financial business, banks have been separated from the oncecapital the role of the media, the importance and the development of retail business isparticularly prominent.This paper mainly on the architecture of the C/S bank office retail managementsystem needs analysis, system design, coding and testing. Firstly, according to the needof development banks in the current business and management, introduces thedevelopment background and research the meaning, then the present situation ofdomestic and foreign retail management field are analyzed and discussed; then brieflyintroduced the development language and database system, and the SQL Serverdatabase advantages are briefly introduced; then according to the characteristics of domestic joint-stock bank information, on the current situation of Hangzhou branch ofChina Merchants Bank is studied, and analysis from the retail performance demandfunction demand and system perspective; and then through the data flow diagram. Thedemand and feasibility analysis in detail of each module; system design andimplementation process, through the detailed design for each process, the operationflow chart the function, structure and process descriptions, matching database tablestructures, retail management bank performance system has begun to take shape, andfinally through the concrete module code detailed testing and functional point of thepreparation of detailed, complete the development of the system, the formation of a forthe Hangzhou branch of China Merchants Bank put into use products.