The Design And Implementation Of The Water Fee Collection System Of The Bank Of China

With the reform of the financial system, China's banks have been gradually entering the deposit interest earnings from the traditional era transition to a hybrid business era. Almost all of the commercial banks abandoned the more traditional deposit and loan spreads of the profit model and into a more advanced, which is mixed economic profit model. In the past business innovation practice, in order to make the commercial banks to get better development, we must expand demand and improve the competitiveness and deregulation and so on. Currently, the intermediate service platform is the most typical application, on behalf of the fee-based businesses as one of the essential one has occupied an unshakable position in the major banks.Based on the development of Bank of China collecting water class intermediary business, as well as related support software systems and problems analysis and research, we discuss the status of the collection of water bills banking business and accordingly the problems raised. First, understand and analyze the current situation of the charges on behalf of the Bank of China service platform, the main characteristics and channels, summed up the existing bank charges on behalf of system problems. Second, the functional requirements of the system of charges on behalf of the business is analyzed, the overall structure of the system development, development objectives and the development of principles. The overall design goals of this project need to build a detailed description of the system design stage, detailed analysis of the logical structure of the system, network architecture, software architecture and database design. By implementing the system automatically deduct charges to simplify the commercial banks on behalf of the middle class business processes, reduce bank counter pressure to reduce bank costs of investment, reduce operating risk.Finally, where the design and implementation of key modules, and test process was described in detail. The system was designed and implemented five modules for the Bank of China the status quo situation. Including the agreement module, payment query module, payment module, as well as day-end batch withholding module reconciliation module total of five modules. Then the charges on behalf of the business functions of the system has been fully tested and the results show that the system is functioning properly, meet the design expectations. Finally, comparative analysis of the conduct of the system prior to the implementation of future generations fee business, on the "Bank of China collecting water system" is an effective solution to the Bank of China on behalf of the middle class business charges the problems were analyzed and tested.