Design And Implementation Of Yantai Bank Financial Supervision System Based On B/S

The current business separate supervision system in China is based on the mode of one bank and three commissions, mainly including China Securities Regulatory Commission, China Insurance Regulatory Commission, and China Banking Regulatory Commission. And at present, under the circumstances that the effective financial supervision and coordination mechanism is not fully established and various financial regulators need to continuously strengthen coordination, whether financial institution itself supervises various businesses within its business scope becomes extremely important. Financial institutions supervise enterprises and organizations mainly based on balance sheet, income statement, profit statement, and cash flow table of enterprises within the last three months, determine the ability of the enterprises to pay debts in the short term according to the four tables. However, financial institutions cannot objectively comprehensively evaluate corporate profitability, debt repayment capacity, operational capacity, development capacity, and investment risk level just based on those data. Ultimately, the financial institutions are short of objective basis for the correct evaluation of enterprises.The thesis selects Apache Tomcat 5.5 JSP server, Eclipse 3.2 integrated development platform, back-end database based on SQL Server 2012, and JSP+JavaBean development mode to access SQL Server 2012 through TCP/IP protocol according to software engineering method. The thesis designs and implements financial supervision system suitable for banking institutions, and finishes the functions such as quite a few users’ permission assignment and effective definition of statistical parameters, regulatory indicators, and reports through the system. In order to calculate the core regulatory ratio, we adopt FMIS rating approach to rate financial institutions, whose regulatory rating rules have been confirmed in advance. In addition, the developed information system related to financial supervision in the topic can informationize the main process in the financial supervision, including data collection, data check and settlement, the establishment of regulatory index value, simple analysis of risk monitoring, early evaluation and initial warning of risks and other functions. The final evaluation results produced by the system can be used as a basis for other financial institutions to make comprehensive evaluation and pay the way for the further development of financial regulatory information system.According to the current situation that Chinese banking system urgently needs to realize the supervision of enterprises, effectively supervise various enterprises through financial institutions, and meet the needs of business regulation itself especially for the differences in business management of various enterprises, the topic sets up dynamic statistical parameters, deploys flexible regulatory index, and reports template ideas in order to provide more positive reference value for the design and development of the similar systems.