The Design And Implementation Of Bad Assets Security Transfer System For Postal Savings Bank Of China

The financial industry is the lifeblood and the brace of the national economic development, the fund flow rate and the stability of the financial system are directly linked to the interests of the people. In order to improve the efficiency of disposing non-performing assets, Postal Savings Bank enrich the ways and means of resolving the bad assets, control and analyze the bad assets data by convenient and safe way, and prevent the formation mechanism of bad assets from the source.The analyzed users of the non-performing assets preservation and transfer system included the system administrator of the head office, the system administrator of the first-level bank, the system administrator of the second-level bank, the collect post of the first-level bank, the charge post of the first-level bank, the collect post of the second-level bank and the charge post of the second-level bank. The system used J2EE architecture to build the system layer and the client layer. The Struts framework, the Hibernate framework and the Spring framework of SSH framework clearly divided the system layer into the persistence layer, the business layer and the data layer. The system was developed under the Windows operating system, and the system program was written in Java, JSP and other languages. Database layer was divided into data persistence layer and data storage layer, data persistence layer obtained or stored data in the database storage layer of SQL SERVER 2014 through JDBC of the Hibernate framework.The functions of Postal Savings Bank Non-performing Assets Preservation and Transfer System included authorization management, non-performing assets transfer management, non-performing assets inverse transfer management additional recording of transfer materials and non-performing assets account management. Authorization management included authorization management of the head bank and authorization management of the first-level bank. Non-performing assets transfer management included the transfer of non-performing assets, transfer investigation of non-performing assets and transfer approval of non-performing assets. Non-performing assets inverse transfer management included application of non-performing assets inverse transfer and application investigation of non-performing assets inverse transfer. Additional recording management of transfer materials included additional collection recording, additional duty identification recording and other functions. Non-performing assets account management included account change management and investigation and approval of account change, where the functions of investigation and approval of account change included viewing account information and submitting investigation application.The non-performing assets preservation and transfer system can do bank's internal asset risk analysis, so that risks will be immediately prevented as soon as risks appearing to eliminate the risk of hidden dangers. In addition, the system used a multi-level transfer way for the audit of non-performing assets, which can control the rate of non-performing assets rate of Postal Savings Bank at a low level.