Study And Implementation Of Inter-bank Lending In Core Banking Account System

Core banking system is the key part of the whole IT system in a bank, because this system is in charge of handling all financial transaction. In order to adapt to banking globalization, the core banking system must have a great design of architecture, flexible and extensional transaction processing, high reliability, high performance, and transplantable etc. However, due to the diversity and complexity of the core banking business, nowadays the solutions of core banking system are on different levels with different qualities, which are hard to meet the requirements of the national and international banking industry.A new core banking account system solution is proposed in this article. According to ideas of OOD, OOP, multilevel structure, highly arameterized, simplifying business development, the architecture of core banking account system with highly transplantable and highly compatible is designed. Not only it is compatible with many operating systems such as UNIX, LINUX, AIX, etc. but also it can maximize system performance by enable synchronous, asynchronous and concurrent processing using message queue. Based on the XML interface, it is easy to access to the third party system integration; the banking system can support variety of business scenes, and it meets the current financial needs; it also supports the logical split of the business, the reuse of logical module, and deploys it flexibly.Inter-bank lending is the main way for the financial bank to financing short term funds in the money market. This article analyzes the requirements of inter-bank borrowing, and designs the main function for it based on the above architecture. It realized the parameterization of the business function, and provides flexible extensional mechanism. It realized the atomization of account process, so the bank can be informed of the funds operation at any time and analyzes potential risks. The inter-bank lending expire system can deal with the renewing or settling process automatically without manual interference, thus reducing the workload of customers.Following content is emphasis on introduce in this thesis.1. Designing database of core banking account system architecture. Realized the master functions, such as common check, transaction control, trade dispatch, log process.2. Analyzing requirement of inter-bank lending and writing its function specification.3. Established inter-bank lending database model, and edited its data dictionary.4. Based on the core banking account system architecture, realized the transaction of inter-bank lending. Its included fix lending, current lending, notice lending, lending change, renew lending, reverse lending, accruals, and processing matured account.