孝道卡—家庭财富管理系统设计与实现
发布时间：2018-08-31 20:07
【摘要】：贷记卡消费积分体系在商业银行卡应用中比较广泛,而借记卡消费积分和零售业务销售积分的商业价值往往被忽视,比如借记卡刷卡消费可以为银行带来刷卡手续费,还可以为银行带来大量的储蓄存款。但借记卡是实额消费且不能透支,更没有免息期。如何在激烈竞争市场和客户多样性选择环境下,激励提升客户使用借记卡办理各类零售业务的积极性,通过采取创新金融营销模式和提供更为优良服务方式成为一种必然性选择。本文以中华文化“孝道”为基石,以“孝道”文化为切入点,以“孝道”文化与银行卡结合商业模式为背景,研发“孝道卡-家庭财富管理系统”。在系统中,通过“家庭式财富管理”、“家庭消费”、“家庭孝道积分”将家庭成员聚集起来。在建立联系时,通过依托个人银行卡信息的留存,抓住家庭核心人物,利用血缘纽带和家庭式理财服务吸引其成员组建家庭,这也是研发“孝道卡-家庭财富管理系统”的一个最主要思路。本文主要工作包括:(1)孝道积分模型建立及后台积分模块实现,其关联因子包括储蓄资产、孝道卡消费、零售业务交易等参数;(2)孝道服务和增值功能模块,商业银行提供的“家庭积分”兑换相应的孝道服务和增值功能;(3)后台家庭关系维护及基于孝道积分的商业规则维护;(4)理财投资模块,通过家庭关系确立服务的目标对象,推送家庭式理财投资方案,建立顾问式服务体系。在设计中采用Browser/Server的设计模式、J2EE技术平台和JSP技术,采用MYSQL数据库。实践表明,通过“孝道卡-家庭财富管理系统”的创新金融模式为企业创造了较好的经济效益,也取得了较好的社会影响。
[Abstract]:Credit card consumption points system is widely used in commercial bank cards, but the commercial value of debit card consumption points and retail sales points is often ignored. For example, debit card consumption can bring bank credit card charges. It can also bring large savings deposits to banks. But debit cards are real consumption and cannot be overdrawn, and there is no interest-free period. How to encourage customers to use debit cards to deal with all kinds of retail business under the fierce competition market and customer diversity choice environment, It is inevitable to adopt innovative financial marketing mode and provide better service. This paper takes "filial piety" as the foundation stone, "filial piety" culture as the breakthrough point and "filial piety" culture and bank card as the background, and develops "filial piety Card-Family Wealth Management system". In the system, family members are gathered through family wealth management, family consumption and family filial piety points. In establishing a relationship, by relying on the retention of personal bank card information, seizing the family core figures, and using blood ties and family-style financial services to attract their members to start a family, This is also the development of "filial piety card-family wealth management system" a main idea. The main work of this paper includes: (1) the establishment of filial piety integral model and the implementation of back-end integral module, the related factors include savings assets, filial piety card consumption, retail business transaction and other parameters; (2) filial piety service and value-added function module, Commercial banks provide "family points" to exchange corresponding filial piety services and value-added functions; (3) maintenance of family relations in the background and maintenance of business rules based on filial piety points; (4) financial management and investment module to establish the target objects of services through family relations, Push home-style financial investment plan, establish advisory-type service system. The design pattern of Browser/Server is J2EE and JSP, and MYSQL database is used in the design. The practice shows that the innovative financial model of "filial piety card-family wealth management system" has created better economic benefits for enterprises and achieved better social impact.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52
本文编号：2216026
[Abstract]:Credit card consumption points system is widely used in commercial bank cards, but the commercial value of debit card consumption points and retail sales points is often ignored. For example, debit card consumption can bring bank credit card charges. It can also bring large savings deposits to banks. But debit cards are real consumption and cannot be overdrawn, and there is no interest-free period. How to encourage customers to use debit cards to deal with all kinds of retail business under the fierce competition market and customer diversity choice environment, It is inevitable to adopt innovative financial marketing mode and provide better service. This paper takes "filial piety" as the foundation stone, "filial piety" culture as the breakthrough point and "filial piety" culture and bank card as the background, and develops "filial piety Card-Family Wealth Management system". In the system, family members are gathered through family wealth management, family consumption and family filial piety points. In establishing a relationship, by relying on the retention of personal bank card information, seizing the family core figures, and using blood ties and family-style financial services to attract their members to start a family, This is also the development of "filial piety card-family wealth management system" a main idea. The main work of this paper includes: (1) the establishment of filial piety integral model and the implementation of back-end integral module, the related factors include savings assets, filial piety card consumption, retail business transaction and other parameters; (2) filial piety service and value-added function module, Commercial banks provide "family points" to exchange corresponding filial piety services and value-added functions; (3) maintenance of family relations in the background and maintenance of business rules based on filial piety points; (4) financial management and investment module to establish the target objects of services through family relations, Push home-style financial investment plan, establish advisory-type service system. The design pattern of Browser/Server is J2EE and JSP, and MYSQL database is used in the design. The practice shows that the innovative financial model of "filial piety card-family wealth management system" has created better economic benefits for enterprises and achieved better social impact.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52
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，本文编号：2216026
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