The Design And Implementation Of The Second Generation Of Rural Credit Banks Payment And Clearing System

Since the establishment in2006,Rural Credit Banks Funds Clearing Center ("Rural CreditBanks Centre for short"), based on the rural financial market, adhere to the purpose of "threerural", with the joint cooperation and efforts of the vast rural credit bankinstitutions,constructed a safe, convenient remote settlement channel in rural areas, and it hasmade an important contribution to the improvement of rural financial service function,improve the rural area payment and settlement service level.But with the rapid developmentof social economy in our country and the innovation of the payment mode, people put forwardmany new, higher demands on the payment and settlement services of the Rural Credit BanksCentre. Aiming at the existing problems of the first generation of payment system, and withnew demands for current and future a period of social economic and financial development ofpayment system, it is necessary to build a new generation of payment system constructionbased on the first generation of payment system,which is more unified, safe and efficient. Nbanks will take this as an opportunity to build the2nd generation of rural credit bankspayment and clearing system("the2nd generation of rural credit banks system" for short).The purpose and significance of the research of this paper is based on the research of thepresent situation of N bank’s payment system and the related demands of the2nd generationof rural credit banks payment and clearing system, using the stored procedure and relatedtechnology, and design the function of each business module of N bank’s2nd generation ofrural credit banks payment, to realize the transformation and upgrade of N bank’s paymentsystem, so as to meet the new requirements of the payment system for the users and thecentral bank.This paper aimed at the present situation of N bank’s payment system and the problemsof the first generation of rural credit banks payment and clearing system,and described theconcept, overall objectives, main characteristics and main functions of the2nd generationrural credit banks system, and analyzed and discussed the demands of banking paymentbusiness and the necessity and importance of the2nd generation of rural credit banks system’sconstruction. At the same time, in the process of system development, understanding thedifferences and advantages of the2nd generation and the first generation of rural credit banks system more deeply, which is improving the operation efficiency and message formatchanges.The construction of the2nd generation of rural credit banks system,will fully embodythe flexibility and adaptability in the functional design, in order to meet the banking financialinstitutions to the needs of business development, and enhance the competitiveness offinancial institutions comprehensively.In this paper, the author combined the practical work, and understood the process ofconstruction and development of the2nd generation of rural credit banks system of N bank,and use stored procedure and other related concepts and technologies to design thearchitecture and related business function module of the2nd generation of rural credit bankssystem, and implement the construction of the2nd generation of rural credit banks paymentplatform through the development and testing the system finally.