Design And Implementation Of Rural Commercial Banks' Direct Bank System Under Internet Financial Environment

"Internet +" is a popular term in today's society,it provides a broad network platform for reform,innovation and development.Since 2013,the "Internet finance" more and more on the "Internet +" to practice.As the mainstay in the traditional financial industry,the rural commercial bank is the main institution in the banking industry to provide financial services for local rural areas.It actively explores the new development mode under the Internet financial environment,trying to break through the geographical limitation and open up wider business space through the Internet.Direct bank is one of the exploration road.This article discusses the possible problems in the construction of Direct Bank System from the point of view of rural commercial banks,and provides suggestions for the construction process of Direct Bank System from background,technology,design and implementation.The article first analyzes the characteristics of the rural commercial banks and the advantages of the direct selling banks,and points out that the rural commercial banks through the direct banking system construction and business development,is conducive to its sustainable development in the context of Internet finance.Then,by analyzing the status quo of domestic and foreign direct selling banks,the author summarizes some problems of Direct Bank System.In the system construction,the rural commercial banks need to follow the traditional safety control tradition of the banking industry,and focus on the system security design,on the other hand,make the products more Internet-based,fast iterative updating to meet the changing market demand and customers usage habit.In addition,the rural commercial banks should also provide more financial services and product categories to their Direct Bank System as much as possible,based on the Bank's existing business types,its own organizational structure and the status of its internal systems.After locating the problem of system building,the article analyzes these problems one by one.In the requirement analysis phase,we try to provide diversified service products for the Direct Bank System from the actual situation of the Bank.Athena system framework and Ionic front-end development technology are introduced in the system design and implementation phase respectively to deal with the security of the system and the product iteration speed.In addition,the direct banking system architecture,data storage,communication technology,are in the building need to be carefully considered where the research is also the content of this article.Through careful analysis of the problems in the construction of the Direct Bank System of the rural commercial banks and the rigorous exposition of the solutions after consulting the relevant documents,the article carefully plans and designs the construction process carefully.This article provides a fresh and effective solution for the construction of high quality Direct Bank System.Case.