The Design And Implementation Of The Banks’ Equity Custody System

At present small and medium-sized enterprises in China,which have low financing abilities and less financing channels,mostly depend on bank credit.Their high debt-to-asset ratio and low financing capabilities became the bottle neck to their development.To seek funds based on their equity may become a new way for small and medium-sized enterprises.However equity investment institutions,usually due to their size and capacity,seem to be unable to provide enough funds or to meet the demands of so many small and medium-sized enterprises.Therefore,the commercial banks launch the innovative business of equity custody,so as to provide a full range of financial services for small and medium-sized enterprises.So banks have to develop equity custody systems which work best with themselves.The equity custody system will serve client enterprises,investors and related management and staff of the banks.Its functions include account opening,equity information inquiry,transaction inquiry,release of shareholders meeting resolutions and information disclosure.It will facilitate the bank’s business promotion while it will ensure the safety of business information.With an elaborated analysis of the system functions,this paper discusses how to focus on the customer-oriented programming and to accomplish the design and materialization of the equity custody system by utilizing technologies such as.NET and C#.It presents an analysis of the architecture of the equity custody system through use case diagrams,class diagram and sequence diagrams and discusses how to design and put into place various functional modules,so as to meet the demands of equity service,equity transaction,finance support and data processin in the equity custody business of the banks.And this paper discusses how to design a database to support the functions of the system.It also talks about how to set up the application environment of the equity custody system and to ensure that the entire system is completed in accordance with the system application architecture.In the end,the syetem has been tested and improved.System tests show that the functionality,performance and effectiveness of the banks` equity custody system meet the design requirements,thus the system will meet the business needs of the bank.The establishment of the equity custody system will meet the needs of commercial banks to grow their equity custody business and become a platform connecting capital and projects,which will help to expand channels for small and medium-sized enterprises to seek funds and for investors to explore projects.It will provide a new solution to the fundraising difficulty of small and medium-sized enterprises,while it will help banks to better serve their clients,expand customer base and explore new income sources,which will be a new way for commercial banks to become leading players in the competitive market through business innovation.