Design And Implementation Of Bank Integrated Agency Service System

With social progress and development, the competition among commercial banks is becoming increasingly fierce. The traditional asset service cannot meet the needs of bank business development. The agency service will become a development trend for future commercial bank business instead. The agency service features low cost, high interest and low risk, and thus greatly developing the agency service will improve service functions of commercial banks and further strengthen the relationship between banks and enterprises. With the rapid development of commercial banking agency service, its involvement in various categories and large transactions brings about increased load to the corresponding agency service application system; given commercial banks’ current status of increasing electronization and informationization, how to integrate resource, optimize agency service platform and improve the operating speed of the system will become an inevitable trend for banks towards the science and technology development road.In order to have a look at the management status of the commercial bank agency service system, one bank is exampled in this paper. Based on the intermediary business platform of the head office, an integrated agency service system is designed and intended for the optimization, integration and innovation of the majority of existing intermediate business carried out by the commercial banks. The function needs is finally determined for the system by learning existing business theory knowledge and key technologies in relation to system development and through comprehensive investigation and multi demonstration. After the determination of design objectives and principles of the system, focus will be given to design on the architecture, function modules and web batch background system; the implementation is finally completed on such function modules as counter transactions, non-counter transactions and other types of transactions. In th e system development process, the integrated agency service platform is set up under the bank’s simulated environment based on full study of the commercial bank’s existing agency intermediary business platform and various application systems. During this p eriod, Java technology is used to code-writing; integration technology is fully utilized to reconstruct the original agency service platform; ESB connection services technology is employed for join between the platform and each system of the commercial ban k..The integrated intermediary service system for commercial bank is established by integrating, innovating in the all charging and paying agency systems on the existing intermediary business platform; by classifying all agency services; by configuring parameter download ways as drive. The business system after integration and innovation is available for second development and applications on the platform available for pluggable processing. After implementation of the system, the teller operation on the terminal becomes simple and convenient, the system runs faster, the business handling process is more concise, and the business processing efficiency is greatly improved.