Research On The Interconnection Between E-bank And Enterprise’s Financial System

With the development of computer and internet technology, the bank has not satisfied with traditional service, they expand their service into the internet. So E-bank emerges as the times require. At the same time, enterprises also started the application and development of enterprise financial system and entered the era of information management. In the process of development of enterprise financial system, enterprises realize that only through the corporate E-bank operation has been far from enough, they put forward higher demand for banking services. Therefore, connecting E-bank and financial system become the current urgent need to the enterprises.Connecting E-bank and financial system is also called the bank-enterprise system. The bank-enterprise system make the enterprise can use the enterprise financial system for account inquiry, fund accumulation and allocated, comprehensive payment and other special services.The bank-enterprise system is not only have great significance to the enterprise, also will bring great benefits to the bank. The bank-enterprise system allows companies to centralized management of all member units of the funds, to carry out a full range of management on the enterprise funds, and it can concordance resources of banks and enterprises. The bank-enterprise system can bring enterprises more secure, real-time and individual bank financial services. For the banks, the bank-enterprise system provides personalized service pass, and consolidates the bank and enterprise cooperation, contributing to the bank’s management.This paper takes ICBC as an example to carry on the discussion to the bank-enterprise system. The literature method of the paper includes survey research method and Survey research method and combined theoretical analysis with empirical research. The main idea of this paper is reviewed the related literature in China and abroad firstly. Then it summarizes the current research status in China and abroad, produces interconnected way and related concepts and function characteristics of the E-bank and financial system connection mode. This paper elaborates on the design process of a bank-enterprise system; including enterprise capital management system planning, design of the bank-enterprise management platform and the bank-enterprise interface and the safety technology. Finally, this paper made an in-depth analysis and research on the problems and defects of the E-bank and financial system in the promotion of the implementation process and gives the relevant countermeasures.Through the research of the specific design process of the bank-enterprise system, this paper embodies the advantages of the bank-enterprise product. Different from the traditional corporate E-bank, the bank-enterprise provides not only the transfer payment, electronic reconciliation, monitoring of funds and other basic functions for the enterprise, also can according to the enterprise’s personalized requirements combined these basis functions to develop more characteristics of service enterprises on their own characteristics, such as the intermediate business charge station function and enterprise financial ventricular function. In addition, through the analysis of the bank-enterprise meets in the concrete problems in the implementation process, this paper provides solutions to solve the problems of bank-enterprise products in the future development, and provides reference to the problems that how to break through the bottleneck in future promoting of in connection of E-bank and small-medium enterprises.