Designing And Implementation Of Sale Quota System For The Financial Management Products

In this paper, it mainly introduced the fund sales agent and accounting systems ina domestic bank. The author had the honor to participate in the system designing anddeveloping project. This paper focused on elaborating the configuration principle inthe fund sales agent business in a domestic bank。Recently there are two kinds of sale quota methods: proportion dispenses and lotwinner rate according to numbers. These two sale quota methods are often used in thedistribution technology for the commercial banks and financial services. However,these two methods increase the finance investment for the investors and reduce theactivity of investors interesting on purchase. For the sale organization, they have totake charge of receiving money and refunding, which increase their work load andwaste resources investment. This method is not a suitable way to sale funds incommon price for ordinary financial product prices offer way。Usually, the quota sale methods are first-in-first-out and full placing. It won'tstop sale until placing is full. This sale model is easy to achieve for this situation thatthe sale institution has single lattice point. For sale institution with mutil-lattice points,there are some problems as follow: one problem is that data access conflict will existduring the sale process with the concentrated storage of products. Another problemis that the distribution storage of products is not conducive to the sales proportion ofthe unified deployment management. And it also wastes large resource。In this thesis, some research are done on how to resolve problem about fundsoccupied for customs during the financial products purchase process by justice,fairness. Ana another side, some research are done on How to make the saleorganization be easy to allocate sources during the sale process, in order to achievethe most optimum distribution of resources。The topics covered the distribution technology about the fund financial services product in financial-banking. The author also has done some research on designingand implementation of the sale quota system for fund management products. Thesystem includes one system host and at least one client terminal. The system host isused to receive customer subscription applications from the client terminal and carryon the sale quota management for financial products. Here, through the link betweenthe host and customer premises network, the system host sends back to the result ofthe sale quota of financial products for customer subscription applications to thecustomer terminals. The customer terminals are used to accept applicationsinformation from customer and send the subscription applications the information tothe system host. The customer terminals also accept application response informationfrom the system host。The fund sales agent and accounting systems includes the sale quota device anddata storage device. The sale quota device is used to manage limits on sale formanagement of financial products on the share in the sale process. The data storagedevice is used to store financial products sharing information. The most importantsale quota device consists of four sub-modules: the master control unit, the share ofthe pre-allocated unit, the share crawling unit and the share recycling unit. The mastercontrol unit takes charge of initializing the share pre-allocated unit everyday anddoing finance products per-allocation. It can call the share crawling unit to grab sharefrom superior extension mechanism when there is short of share in some area or salepoints. It also collects the unused share of all financial products to the main bank fromsome sale points and area. The share of the pre-allocated unit takes charge ofpre-allocating financial products share to sale area and points from the main bank.The share crawling unit is used to dispatch financial products when there is short ofshare in some area or sale points. The share recycling unit recycles unused financialproducts share to the headquarters。The sale quota management for financial products has two main characters. Oneside is that it can ensure requirements from the sale quota of financial products. Theother is that it can distribute financial products reasonably among different salesoutlets, and achieve the purpose of optimal allocation of resources. It also improves the improve customer service levels。...