| In order to speed up the efficiency of payment and settlement of online banking and promote the development of all walks of life,the People's Bank of China has built an inter-bank payment and settlement system of online banking.The construction of this system realizes the interconnection and interoperability between commercial banks,realizes the clearing efficiency of online payment,and achieves the real-time account entry of funds.Online payment interbank clearing system solves the problems existing in the domestic payment system.Without the operation and usage of Internet-banking interconnection system,capital turnover will be realized through large or small payment system.However,the characteristics of the large value payment system are deal by deal and real-time transactions,meanwhile it still needs high service fee.During the large value payment process,any mistake can only be discovered by the other back staff and remittance refund business will be initiated,which will take longer processing cycle.In addition,the large payment system does not handle business during holidays,which brings many inconveniences to customers;the small payment system needs backstage package delivery,which can not meet the real-time demand for accounts.Therefore,on the premise that the People's Bank of China has put into operation the inter-bank payment and settlement system,commercial banks can connect with the inter-bank payment and settlement system of the Bank by establishing their own inner bank payment and settlement system,so as to achieve the inter-bank communication with other banks.Under this background,this paper takes Xingtai Bank as an example to discuss the design and implementation of the network-bank interconnection system.In the first part of this paper,the main technologies in the current banking system are summarized.In the second part of this paper,on the basis of the first part,the requirements of the core business in the network-bank... |
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