Design And Implementation Of Guarantee Purchase Project For Postal Savings Bank Of Heilongjiang

With the further development of reform and opening, especially after the entry of the World Trade Organization, the commercial banks in China are facing huge challenges. They improve their financial products and develop traditional fields, meanwhile the renewal of products, refinement of the financial market, special business have been done to avoid operational risks caused by price competition. Intermediate businesses which gradually become the new profit growth spot of commercial banks have been paid extensive attention by financial institutions.In order to adapt to market development, especially with the rise of data communications and multimedia technologies, telecommunications operators continue to introduce flexible billing suite and marketing campaigns, which bring more choices to consumers. According to the consumer experiences in the mobile communications field, the Postal Savings Bank and communication operators co-produce a guaranteed purchase business. Purchase guarantee business is an intermediate business which is based on a system of Postal Savings Bank credit, supported by bank guarantees and operator settlement system, guaranteed by deposit in bank which equals to the same retail price of mobile phone. Firstly, the paper introduces the research background, research significance and domestic and overseas status. Basing on the implementation process of Postal Savings Bank Heilongjiang branch guaranteed purchase project, the paper elaborates the needs analysis, detailed design, realization and testing of project, and introduces the main function and the realization of guaranteed purchase project through timing diagrams, flowcharts, etc. At last, the paper describes the functional test through some test cases, and gives the test results. The purchase guarantee project is built on the intermediate business platform of Postal Savings Bank. The intermediate business platform uses traditional C/S model, which make full use of the data processing ability of the client. The application development of client used the mature Power Brach software, and the back-stage business process module adopts Pro*C tool which supports SQL language, which increasing development efficiency. The guaranteed purchase project that the paper researched had been applied in one telecommunication operator, and has been completed the promotion in Heilongjiang Province. The business lowered the barriers of joining the communication network, brought the maximum benefits and convenience to users.