The Design And Implementation Of The Deposit Module In The Core System Of Commercial Bank

After joining in the WTO and with more business transactions among different countries,China's GDP has increased year by year.As an increasing number of foreign banks invested in China,the competition of domestic banking industry is increasingly fierce.For Bank of China,Agricultural Bank of China,Industrial and Commercial Bank of China,China Construction Bank and Bank of Communications,they are state-owned banks and all have been developing for several decades.Therefore,their opinions of technology development really matter,looking both from their capital operation and experience.Compared with small and medium-sized commercial banks,the state-owned and stock-holding bank have advantages in economic strength and experience.Therefore,these small and medium-sized ones have to reduce their operating costs to make themselves more competitive.Moreover,they are independent on the outsourcing providers and should reestablish the original core system.The new core system improved and reconstructed the business process by processing the data in a centralized way.It strengthened the risk management of the banks and improved the efficiency of the bank tellers.So they are capable of providing more intelligent services.This paper elaborated the importance of core system reconstruction for small and medium-sized commercial banks.It introduced the development and current situations of domestic and overseas banks and the disadvantages of the former.It also explained the overall structure of core banking system and the demand analysis,module design and testing for the system.The ideas of the new core system is customer-focused.By realizing the parameterized configuration and supporting the reestablishment of the process,the system is enable to achieve simultaneously execution of batch run and reduce the time.The design ideas of this system are having a leading position in domestic smalland medium-sized commercial banks.Meanwhile,it can achieve relatively comprehensive functions because of the parameterized configuration.With the supports of technology,the rate of development can be greatly increased and the competitiveness and creativity of the products in small and medium-sized commercial banks will be enhanced.With good flexibility and expandability,the new system can basically meet the demands of the rapid development of modern financial industry.By supporting more channels,it can provide a better,safer and more convenient system for the banks and the customers,at the same time,will be able to have utterly new experience.