Analysis And Implementation Of A Unified Charging System Of A Commercial Bank

At present, the main businesses of China's commercial banks mainly consist of asset business, liability business and intermediary business. The early intermediary business of commercial banks in China mainly be focused on payment and settlement. However, along with the horizontal competition intensifying as well as the occurrence of financial disintermediation and marketization of interest rate, intermediary business have already not only been confined to payment and settlement while bank card, agency, guarantee, commitment and other intermediary business coming into being. Every coin has two sides. Despite the profits, the development of intermediary business has also brought about a few problems at the same time. It is the head office that is responsible for the unified management of the fee standard of intermediary business, but the actual condition is that each business systems only manage and maintain its own charge logic when it comes to realistic IT systems, which results in duplication of development of system function namely waste of resources. When the head office adjusts the fee standard, each system cannot update in time uniformly. Moreover, gathering and reporting the income detail of intermediate service fee will be a conundrum, which will be incapable of providing powerful back-up for the bank performance appraisal. Besides supplying a unified portal for madding fee standards, choosing preferential ways and charge account details, the establishment of unified charging system of commercial bank may bring other benefits such as improving the service efficiency, reducing service cost and provide data support for many aspects of bank internal work such as customer profitability analysis, product profitability analysis, cost allocating, inter selling and so on.The main work of this thesis includes:First, through the analysis of the demand of the unified charging system to a certain of commercial bank, designed to the database structure meet the third paradigm of the database and the practical and effective system architecture, functional modules, web service interface meet the Business needs.Second, using the development framework of combined with Struts, Spring and Hibernate. Code structure need to use the mainstream of the hierarchical design ideas, design a loose coupling of the functional architecture and the completion of the core module code writing.Then, design the charge item configuration interface to fit users to use.Finally, realize the unified charging system.Now, the system has been on the line and operating stably for two years. It reaches the goal of charging uniformly for that it can freely configure fee and preferential standard, well calculate fee and preferential rules of each deal for customers, automatically select minimum charging scheme, keep an account of detailed journal for each deal and give a base for follow-up statistical analysis, which is expected design goal.