With the coming of the knowledge economy age and the development of the bank elecotronic construction, contemporary information technology does not merely the assist tool of the banking business. The electronic level of the bank has become the technology basic for the operation of the bank, the innovation of financing, client services and the management in measure. And also it is the important instrument to pursue the competition advantage.
As the basic platform for the operation of electronic bank, Banking Integrated Business sytem is the precondition of the application of the rest electronic products. The electronic bank is just like the mansion without groundsill provided that there were this system.
The competition of the bank becomes wider and deeper with the entrance into WTO of China. In order to get the advantage in the competition, banks ceaselessly upgrade, including the upgrade in the integrated business system. The upgrade of banking business needs to set services as the center, independent account as the core, and also needs to in the same track as the international banking business, so it demands the higher quality of the banking integrated business system. |
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| Summary of the Resolution |
| After more than ten years expericence in developing and practicing inland banking core business, Zhongtian developed the Zhontian Banking Integrated Business System Resolution. This resolution followed the client’s ceaselessly development and innovation, and set the client services, inner core account organization, the com connected with outside system and high-speed construction as the development pivot. So this resolution can assist bank continuously to provide new products and services instruments to get more profits. With this resolution, bank can set his operation pivot in product innovation, operation efficiency and the client services level. This resolution adapt the C/S/S structure, the structured develop method, flexible definition of tansaction describe language and the similar advance technology. This resolution also adapt the banking industry standard as the develop basis. After the successful practice of tens of banks, Zhontian Integrated Business System Resolution has get the power to assist the banking user to easily deal with the quickly changing market. |
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| Characteristics: |
 Support the large accountant and integrated counter system;
Support multiple currency, multiple channel;
Client as the center;
Support no note services;
7*24 hours real-time settlement in full counters and channels;
Support STP, utilize the bank resource in high efficiency;
Provide all types of bank basic business products;
Can promote the new product quickly. |
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| Function Structure and components |
Accounting: For the work on integrated accounting, detailed accounting, general and part accounting, balance audit, annual closing and the definition and preparing of kinds of accounting reports.
Deposit business: includes three parts as public deposit, private deposit and agent deposit. Supports the traditional deposit business, and educational deposit, personal cheque deposit and the like business; supports all in one bankbook business.
Loan business: includes personal loan, short term loan, medium and long term loan, installment loan, draft acceptance and discount and the like business, provides every kind of method to calculate the interest, support the farmer loan business.
Card business: includes the card grant circuit, counter transaction, management circuit, communication circuit, security control and the similar parts, support all in one card business.
Foreign exchange business: includes foreign currency exchange, foreign currency deposit, foreign currency loan, clean collection, tourism cheque, abroad foreign exchange providing and the like business, supports both direct and agent operation module.
Inner account: for the inner bank accounting business, supports multiple interest calculating methods, supports write-off management method.
Share money management: mainly manages the shareholder and share money; provides the functions of dividend auto distributing, share money back account auto printing.
Inner city exchange: includes deposit, draw out, note collect, note return, collection for commuting, note settlement and so on.
Connected bank settlement: including the transaction and large amount payment between county connected bank, provincial connected bank and national wide connected bank
IC Card Center maintenance: include daily maintenance, account report maintenance, backup and group management, BMK IC Card management and the user management, etc.
Integrated management: includes the user information management, receive and pay out management, warrant management, general deposit and draw out management, branch office management, counter staff management, etc.
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| Advantage |
Advance system design: adapt the structured and parameterized design method. Meets the clients’ need in low cost. Provides sufficient information for banking management modulernization, and supports the bank strategy development decision.
Complete function, track with international standard: it is the integrated resolution that can real synthesize home and abroad currency. With this resolution, bank can enhance its competition strength, and so calmly challenges the matters arised from the entrance into the WTO.
Adopt the propritary middleware: The series of financing middleware produced by Zhongtian was applied in tens of large projects, and tested by large transaction amount and subsequent transaction amount. The result is the middle is stable and mature.
The match product line is perfect: Front set integrated business processing middleware, banking link business platform, ATM/POS, self-service bank control platform, bank decision support system, and the serires of products and the Integrated Business Network system combine well with each other. All of these products fully disply the design idea of “ for services, for management, for operation”.
the idea of managing the clients relationship: “The key point of getting success in competition with commercial bank is to set up the solid profitable relationship with the client.” So in designing this resolution, Zhongtian begins with the integrated business basic design, such as the provision of the clients’ basic information, the relationship between the clients, solicitude to the clients, the credit valuation and the like function. In this way, Zhongtian builds the basic client information and the services plan in this resolution, and so the clients can book the special services through the client multiple-channel servicecs. Then this resolution can provide the decision maker the support information from clients analysis module in the type of decision-make products. So the idea of clients relationship is applied all over the designing process.
Efficient to prevent risk: “The electronic finiancing is not merely to use computer instead of hand, but the essential progress”. Zhongtian Integrated Business System Resolution assists the decision maker know various financial indexes of the bank with the abundant data, such as the contribution rate, risk rate, cost and such real condition, so the decision maker can adjust the operation intime to prevent the operation risk.
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| Application Benefits |
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| Operation platform |
Mainframe: IBM RS6000、HP 9000 and the like UNIX open platform.
Net Protocol: supports CP/IP, SNA, etc.
Database: supports DB2,Oracle,Informix,Sybase and the connected type of database
Middleware:supports CICS,TEXUDO and the proprietary financing middleware of Zhongtian; |
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| Clients |
| Weifang Rurual Credit Co-operatives, Dongying Rural Credit Co-operatives and more than 30 City level Rural Credit Co-operatives.
If you want to know more details, please dail 0532-5711167 call
Financing industry consultant Department
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