Design And Realization Of A New Intermediate Business Platform Of Commercial Bank

The bank intermediary business development has been increasingly taken into account by most commercial banks. And the income of the intermediate business has been becoming the banking industry’s new profit growth point. How to get rid of the traditional development way of single development achieve mode, to accelerate new changing requirements of intermediate business of commercial banks, while reducing the risk of the opening of the new business, to achieve the independent intermediary business development and management platform, now has become an important topic in the banking sector today. To meet with the development needs of the commercial banks, Informatization development has been reached a deeper level. The banking application system presents the following three trends obviously: data tend to be concentrated, processing tends to be unified, and system tends to open. The large concentration of commercial banks of data is steadily implemented an open construction on the front layer, intermediate business processing logic unified platform is the general trend.This paper describes the design and implementation of a new intermediate business platform of commercial bank. Basic research in the development of domestic and foreign banks and commercial banks intermediate business of the existing situation, through the demand analysis and the overall design of the "new commercial bank middle business platform" discussion(detailed design and business processing system of typical module of the system application software function realization in detail), participated in the development of the business bank of new intermediate business platform project. The system adopts the idea of software engineering, the modular structure of the centralized five functions(system management, development management, module development, distribution management, business management) of the intermediate business processing software platform, to realize integration of commercial bank the original channel system, service system, and other third party system. The new intermediate business platform through the system management, message receiving and processing, security control, transaction control, the core system interface is composed of six modules. System management module, parameter based preparation of data generation, the trade statistics and print functions; message receiving and processing module is the system front-end foreign(namely the third party system) information exchange channel; safety control module through dynamic link, encryption algorithm, the public-private key and other encryption means to provide information security necessary for the message interaction; the message interpretation through the transaction processing logic control module, to complete the transaction input / output, logic judgment and transaction records and so on; the core system interface module is based on standard interface form data to operation of stripping intermediary business and core system accounting, reduce the core business system pressure, regulating the intermediate business development and management, but also have better functional extensibility. At present, the intermediate business platform system has been in the city commercial bank officially put into operation, running in good condition, the performance of the system achieves the function index of expected.