本文選題：國際結(jié)算軟件 + TD平臺�。� 參考：《吉林大學(xué)》2016年碩士論文

【摘要】：隨著計(jì)算機(jī)技術(shù)和網(wǎng)絡(luò)技術(shù)的不斷發(fā)展,信息處理與傳遞已經(jīng)突破了地域和時(shí)間的局限。近年來飛速發(fā)展的電子商務(wù),正是基于計(jì)算機(jī)網(wǎng)絡(luò)技術(shù)的發(fā)展而日益壯大和成熟的,也促使它快速地成為世界經(jīng)濟(jì)和貿(mào)易的主要手段。在電子商務(wù)的交易中,銀行承擔(dān)著國際結(jié)算的重要角色,需要保障交易雙方資金和貨物的安全。這也要求銀行不斷更新和完善國際結(jié)算軟件系統(tǒng),以適應(yīng)新經(jīng)濟(jì)形勢的發(fā)展,進(jìn)一步保障交易雙方資金的安全,從而擴(kuò)展國際結(jié)算業(yè)務(wù)以應(yīng)對日益激烈的同業(yè)競爭。本文研究的國際結(jié)算軟件產(chǎn)品,是在歐洲成熟產(chǎn)品基礎(chǔ)上進(jìn)行改造的。目前全球共有70多家銀行購買和使用了該產(chǎn)品。它在2000年正式進(jìn)入中國,先后實(shí)施了工行、光大、興業(yè)等多家大中型銀行和城市商業(yè)銀行。通過多年的應(yīng)用和完善,該產(chǎn)品越來越得到用戶的廣泛認(rèn)可和好評。為適應(yīng)國際貿(mào)易的飛速發(fā)展和監(jiān)管部門不斷提出的更高監(jiān)管要求,同時(shí)銀行自身也要求加強(qiáng)成本意識,提高風(fēng)險(xiǎn)管理能力,提升服務(wù)水平。在這樣的背景和經(jīng)濟(jì)形勢下,2014年初,項(xiàng)目組根據(jù)多年成功實(shí)施的經(jīng)驗(yàn),開發(fā)出一套針對國內(nèi)國際結(jié)算系統(tǒng)的通用解決方案。本文從需求分析到詳細(xì)設(shè)計(jì)再到軟件實(shí)現(xiàn),一步步闡述該產(chǎn)品的功能和架構(gòu)。正文首先從業(yè)務(wù)的角度說明國際結(jié)算主要做什么,要達(dá)成什么目的。從監(jiān)管、報(bào)文、業(yè)務(wù)流程等諸多角度闡述國際業(yè)務(wù)的實(shí)務(wù)做法。著重分析信用證類型,信用證要素,風(fēng)險(xiǎn)管控以及信用證業(yè)務(wù)流程等內(nèi)容。其中詳細(xì)分析了信用證開證、到單、付匯等業(yè)務(wù)實(shí)務(wù)操作。其次介紹了系統(tǒng)功能。從數(shù)據(jù)庫設(shè)計(jì)開始,逐步分析數(shù)據(jù)表關(guān)聯(lián)關(guān)系、數(shù)據(jù)表用途。進(jìn)而詳細(xì)說明了業(yè)務(wù)交易版面中的共同部分,如結(jié)算版面、報(bào)文、面函等。同時(shí)介紹了查詢交易、靜態(tài)數(shù)據(jù)交易、國際收支申報(bào)接口的設(shè)計(jì)和版面等內(nèi)容。在業(yè)務(wù)支持方面,產(chǎn)品將國際結(jié)算模塊、工作流以及靜態(tài)資料模塊等部分功能模塊有機(jī)地結(jié)合在一起,實(shí)現(xiàn)交易數(shù)據(jù)、業(yè)務(wù)報(bào)文、影像文檔等信息的高度自動(dòng)化。在介紹產(chǎn)品功能和設(shè)計(jì)的同時(shí),文章還著重介紹了系統(tǒng)架構(gòu)以及Trade Design架構(gòu)。從系統(tǒng)到業(yè)務(wù),分層說明系統(tǒng)的結(jié)構(gòu)。提出了系統(tǒng)的設(shè)計(jì)規(guī)劃,明確了業(yè)務(wù)處理流程。同時(shí)通過流程圖的方式詳細(xì)說明了業(yè)務(wù)工作流程。最后,根據(jù)人民銀行和國家外匯管理局不斷提出的最新監(jiān)管需求,隨著上海自貿(mào)區(qū)、深圳前海自貿(mào)區(qū)的成立,系統(tǒng)不但需要兼顧傳統(tǒng)的國際結(jié)算功能,還需要有強(qiáng)大的擴(kuò)展空間。本產(chǎn)品模塊化的開發(fā)方式就很好的支持了這種不斷更新的監(jiān)管和業(yè)務(wù)流程�？梢钥焖俚膶⑵渌δ軣o縫的加入到現(xiàn)有產(chǎn)品中�？傊�,希望通過本文的分析和整理,能為今后的國際結(jié)算軟件開發(fā)提供一點(diǎn)參考。為未來國際結(jié)算軟件的發(fā)展可以探索出一條新路。
[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.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：TP311.52

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本文編號：1915607