Designing And Implementation Of The Intermediate Business Platform Of A Commercial Bank

Because of interest rate liberalization,internet-based financing,stress on capital adequacy ratio and other factors of pressure,nowadays,it has become an indisputable fact for slowing down in banking profits and “double-lifts” of non-performing assets and failure rates in banks.It is an inevitable choice that banks should take initiatives to speed-up transformation,exploring incomes of intermediary services,realization of balanced development between liabilities business and intermediary services.There is a great potential for improvement at banking industry in China since Chinese banks have relatively low incomes from intermediary services and are still at lower stage of banking business development,comparing to foreign banking industry.However,it must not be easy for commercial banks on a high-demanded transformation road.The pies for bank intermediary services are being nibbled away rapidly by recent booming third-party payment platforms with front-end customer experience,flexible business configurations,and speedy developments in responding to needs.Every commercial bank has to address an urgent issue,such as how to make a breakthrough in complicated financial environments,how to find a balance point for security versus efficiency and how to find its own developing road for intermediary services under strict regulatory systems.As to a bank IT department when facing to high demanding from banking departments,it has become an important task on how to establish a high efficient,safe,and scalable platform to support a speedy and secured development for intermediary services.This study is to take a broad view on financial industry,to choose a representative business bank in a currently established core banking system as a study subject,to design and fulfill a platform for intermediary services,and to establish a platform with a high quality and efficiency for the intermediary services under existing banking system.For such a system,it is to fulfill of preventing sorts of technical and business risks while developing a system for the intermediary services in a speedy and efficient way.A RDP platform developed by the business bank is used as a technical base frame.For characteristics of this platform,during the process of implementing,the schema was customized in development and fulfillment of this platform.All the efforts are to satisfy functionalities and non-functionalities of the platform for intermediary services.The purpose for this study is to find a path for resolving problems,while providing referential experiences for commercial banks’ development of intermediary services in the future.