银行端国际结算系统的设计与实现

发布时间：2018-05-20 17:39

本文选题：国际结算软件 + TD平台　；参考：《吉林大学》2016年硕士论文

【摘要】：随着计算机技术和网络技术的不断发展,信息处理与传递已经突破了地域和时间的局限。近年来飞速发展的电子商务,正是基于计算机网络技术的发展而日益壮大和成熟的,也促使它快速地成为世界经济和贸易的主要手段。在电子商务的交易中,银行承担着国际结算的重要角色,需要保障交易双方资金和货物的安全。这也要求银行不断更新和完善国际结算软件系统,以适应新经济形势的发展,进一步保障交易双方资金的安全,从而扩展国际结算业务以应对日益激烈的同业竞争。本文研究的国际结算软件产品,是在欧洲成熟产品基础上进行改造的。目前全球共有70多家银行购买和使用了该产品。它在2000年正式进入中国,先后实施了工行、光大、兴业等多家大中型银行和城市商业银行。通过多年的应用和完善,该产品越来越得到用户的广泛认可和好评。为适应国际贸易的飞速发展和监管部门不断提出的更高监管要求,同时银行自身也要求加强成本意识,提高风险管理能力,提升服务水平。在这样的背景和经济形势下,2014年初,项目组根据多年成功实施的经验,开发出一套针对国内国际结算系统的通用解决方案。本文从需求分析到详细设计再到软件实现,一步步阐述该产品的功能和架构。正文首先从业务的角度说明国际结算主要做什么,要达成什么目的。从监管、报文、业务流程等诸多角度阐述国际业务的实务做法。着重分析信用证类型,信用证要素,风险管控以及信用证业务流程等内容。其中详细分析了信用证开证、到单、付汇等业务实务操作。其次介绍了系统功能。从数据库设计开始,逐步分析数据表关联关系、数据表用途。进而详细说明了业务交易版面中的共同部分,如结算版面、报文、面函等。同时介绍了查询交易、静态数据交易、国际收支申报接口的设计和版面等内容。在业务支持方面,产品将国际结算模块、工作流以及静态资料模块等部分功能模块有机地结合在一起,实现交易数据、业务报文、影像文档等信息的高度自动化。在介绍产品功能和设计的同时,文章还着重介绍了系统架构以及Trade Design架构。从系统到业务,分层说明系统的结构。提出了系统的设计规划,明确了业务处理流程。同时通过流程图的方式详细说明了业务工作流程。最后,根据人民银行和国家外汇管理局不断提出的最新监管需求,随着上海自贸区、深圳前海自贸区的成立,系统不但需要兼顾传统的国际结算功能,还需要有强大的扩展空间。本产品模块化的开发方式就很好的支持了这种不断更新的监管和业务流程。可以快速的将其它功能无缝的加入到现有产品中。总之,希望通过本文的分析和整理,能为今后的国际结算软件开发提供一点参考。为未来国际结算软件的发展可以探索出一条新路。
[Abstract]:With the development of computer technology and network technology, information processing and transmission has broken through the limitation of region and time. With the rapid development of electronic commerce in recent years, it is based on the development of computer network technology that it is growing stronger and more mature, and it has become the main means of world economy and trade. In the transaction of electronic commerce, banks play an important role in international settlement, and need to ensure the safety of both parties' funds and goods. This also requires banks to constantly update and improve the international settlement software system in order to adapt to the development of the new economic situation, further protect the security of the funds of both sides of the transaction, so as to expand the international settlement business to cope with the increasingly fierce competition among the same industry. The international settlement software products studied in this paper are modified on the basis of European mature products. At present, there are more than 70 banks in the world to buy and use this product. It formally entered China in 2000, has implemented ICBC, Guangda, Societe Generale and many other large and medium-sized banks and city commercial banks. Through years of application and improvement, the product has been more and more widely recognized and praised by users. In order to adapt to the rapid development of international trade and the higher regulatory requirements, banks themselves also need to strengthen cost awareness, improve risk management ability, and improve service level. In this context and economic situation, in early 2014, the project team developed a common solution for domestic and international settlement system based on years of successful implementation experience. From requirement analysis to detailed design to software implementation, this paper describes the function and architecture of the product step by step. First of all, the text from the business point of view to explain the international settlement of what to achieve what purpose. From the supervision, message, business process and many other aspects of international business practice. Focus on the types of letters of credit, letter of credit elements, risk control and letter of credit business processes and so on. One of the detailed analysis of the letter of credit issued, to documents, foreign exchange and other business practices. Secondly, the function of the system is introduced. From the database design, step by step analysis of data table association, data table use. Then the common parts of the business transaction layout, such as settlement layout, message, letter, etc. At the same time, it introduces the design and layout of query transaction, static data transaction, balance of payments declaration interface and so on. In the aspect of business support, the product combines some function modules such as international settlement module, workflow module and static data module to realize the high automation of transaction data, business message, image document and so on. At the same time, the system architecture and Trade Design architecture are also introduced. From the system to the business, hierarchical description of the structure of the system. The design plan of the system is put forward, and the business process is clarified. At the same time, the business workflow is explained in detail by flow chart. Finally, according to the latest regulatory needs of the people's Bank of China and the State Administration of Foreign Exchange, with the establishment of the Shanghai Free Trade Zone and the Shenzhen Qianhai Free Trade Zone, the system not only needs to take into account the traditional international settlement function, There is also a need for strong expansion space. The modular development of this product is a good way to support this constantly updated regulatory and business processes. You can quickly add other features seamlessly to existing products. In a word, I hope to provide some reference for the future development of international settlement software through the analysis and collation of this paper. For the future development of international settlement software can explore a new way.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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