The Design And Implementation Of Commercial Banks’ Property Service Fee Proxy-charging System

With the progress of the reform of China’s financial system，the payoff model ofChina’s commercial bank has altered from the traditional saving-loan interest ratespread to synthesized-business. The growing competition, increasing demand,deregulation of market spurred the development of intermediate business of ChinaCommercial Bank in the process of reform, as a typical intermediate business model,Proxy-charging occupy an important position in charging model of commercial bank.However, the practice of Proxy-charging in commercial bank proved that failed toproduce the desired effect. The higher resource utilization and the lower rate of returnon capital cause a Proxy-charging to become the ‘chicken ribs’.This article through studies China’s commercial bank intermediate business thethorough analysis present intermediate business and associated software systemexistence question and the reason, in view of the actual situation, proposed the reformconsummates‘Commercial banks’ property fee withholding system’, Through thecommercial bank withholding service, for the purpose of predigesting the businessprocess, decreasing the cost, reducing the operation risk.This article firstly explains the present situation of commercial bankProxy-charging intermediate business, shows the problems existing in intermediatebusiness and puts forward improving measures. And then ‘bank withholding service’Proxy-charging is analyzed and proved being feasible through technical test,economic analyzing，social terms，human resource and so on. Besides, this paperdiscusses the project objective for ‘Commercial banks’ property fee withholdingsystem’, and describes the design model for critical modules of software andapplication of system function test. Finally, by comparing difference situation beforeand after application of system, this paper argues that whether the ‘Commercialbanks’ property fee withholding system’ solves the problem of Proxy-charging Systemin commercial bank.