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Design of PWBANK integrated business management system is based on the most advanced and well-rounded mainstream technology and production. The system is the high level application software which use Internet/Intranet and Date storage; combine Browser/Web Server/DB Server with Client/Server, at the core of client; and realize the big accountant, counter business, information collection and information management work harmonious. The system is easy to use and maintenance, has good expansibility, at the meaning time can fully satisfy the requirement of its future development.
At the present time, PWBANK integrated business management system has two edition: commercial bank and country credit cooperation.
- Using well-rounded and advanced technical means. Introducing three layers Client/Server structure technology, the design of database makes information of accounts centralize, and apply information reliably.
- Function is complete. Saving up , facing to public, credit card, loan, arrangement, calling to account, situation authorization, office automatic, and associate decision-making all of these subsystems can be selected entirely or partially. The system covers all the businesses of bank , considers deals of inter-connection organizations and also give attention to account dealing of manual nodes.
- The interface is flexible and the business information is complete.
- Security mechanism is faithful and rigorous. It has the whole supervise mechanism. The style can supervise the business operation and work 24 hours continually.
- Sharing data resources and aiming at information Stat. and classification.
- Design of the system is at the core of clients and based at accountant checking.
- Realize inter-connection transaction-code driver and provide the entire platform for developing to make increase of new business convenient.
- The system has perfect real-time function to satisfy consumer’s need.
- The user interface is friendly and the dealing process is efficient. It is easy to master, use and maintain.
- Our system adopted the highly reusable, componentialized design pattern, it has parameterized common function in order to enhanced the code reusability.
- The system is flexible and can customize the operation deal. It can check the operation and also guarantee that can realize integrated counters in the future.
- componentialized and parameterized application system is more extensible, transplantable, adaptable and maintainable, it's in favor of software's upgrade and smooth transition.
- The system follows the national standards, trade standards and international standards and is highly standardization. The system’s code, documents, operation platform and the technology also follows ISO9000 international standards and national standards.
The whole frame is as follows:
    
The function structure of the system is as follows:
 
- client management:
- essence information record
- client’s information query maintenance
- big affair of client record
- credit of client assessment
- authorized
- pre-loan management
- before-loan investigation
- loan grant
- examine and approve authorization management
- examine and approve application
- grant examine and approve
- operation examine and approve
- after-loan management
- after-loan checking and running
- gathering loan
- check the repayment of loan
- gathering corpus and interest(calculate the interest in real time)
- loan postponement?
- balance of loan interest (support automatic batch interest-deduction)
- reduce promissory interest bills management
- reduce or dismiss interest
- adjust responsibility person / credit person
- remove loan
- adjust impropriation from of loan
- adjust risk degree of loan
- four-level classify of loan
- five-level classify of loan
- prosecution of loan management
- escaped loan and invalid loan management
- embezzlement of loan management
- records management
- apply for loan
- pre-loan investigation report
- client qualification and credit application
- loan contract management
- due bill management
- protocol management
- authorization register files management
- loan certification management
- impawn and mortagage information management
- hypothecate information management
- loan examine and approve information management
- blacklist information management
- corporation financial report forms management
- credit asset save
- gathering loan
- period of validity of litigation Identified?
- litigation management
- pay off loan and apply for new loan
- loan reconstruction
- bad asset identified
- bad debt cancellation after verification
- risk management and inspection
- blacklist management
- risk inspection
- authorized freezing and thaw
- integrated Stat. and query
- mature loan query
- according to from Stat. loan query
- integrated loan query
- deposit account query
- the largest ten clients’ loan prompt
- overdue loan which should be transferred prompt
- bad loan which should be transferred prompt
- client manager’s work platform
- pending business
- work plan
- bulletin-board
- performance assessment
- ?report form management
- report form customize
- report form preview
- report form print
- assistant decision-making system
- loan frame analysis
- bad loan frame analysis
- credit loan clients frame analysis
- enterprise credit loan financial analysis
- credit risk analysis
- loan assurance analysis
- interest receiving condition analysis
- foundation risk guideline analysis
- credit and loan plan analysis
(12) system management
- password changing
- data downloading
- data backup and restoration
- data cleaning up
- batch processing
The application system satisfies many kind of running environment and supports many platforms such as UNIX, AIX, HP_UX and OS/400.
3.2.4 Typical Users
- XiangTan commercial bank of? HuNan province
- ZhuZhou commercial bank of HuNan province
- YueYang commercial bank of HuNan provice
- ChangSha commercial bank
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