Design And Implementation Of Huishang Bank’s Fund Distribution Automatic Invest Account System

Automatic account business link the customer’s demand savings deposits and monetary market fund (low risk) for effective cash management and investment management. On the one hand, subscribe the monetary market fund the customer designated with the demand savings deposits in idle automatically. By the compounding effect, the demand savings deposits in idle rise in value. On the other hand, when a customer’s available money is not enough, it will automatic redeem the monetary market fund to guarantee enough available money for customer to use in time and achieve convenient cash management.Automatic invest account of fund distribution system of bank is based on fund distribution system of bank for upgrading. First, the system subscribes the monetary market fund the customer designated with the demand savings deposits in idle automatically. Then, when a customer’s available money is not enough, it will automatic redeem the monetary market fund to guarantee enough available money. The system relies on the technology such as process pool technology, dynamic link library and cache technology to implement an online transaction processing (OLTP) system. Automatic invest account of fund distribution system of bank adds some important part which are opening auto-account business, changing auto-account business, closing auto-account business, auto-account agreement information query, auto-account investment detail information query and launching auto-account transaction. The system has good compatibility and portability, the system can easily communicate with the bank host, and the sales channel systems developed by the third party through the unified interface. The system can be compatible with Oracle, DB2, Informix, Sybase database and be considered the expansibility as much as possible during the designing time.By conducting fund distribution business, commercial banks can expand revenue streams, promote the development of intermediary business, and enhance core competitiveness, to create wealth culture. The automatic bank account funds distribution system will help commercial banks to fund sales industry for promoting the Chinese mainland banking financial services to customer segments, financial planning and other aspects of the development of an important force in depth.