First, the overall structure and business scope of the bank. In terms of it deployment architecture, there are outreach front-end (firewall, security control, etc. ), inline front (channel integration, esb, etc. ), business layer (payment system, intermediary business, etc. ), channel layer (online banking, mobile banking, call center, self-service atm, etc. ), core system layer (core accounting system, credit card system, of course, the core bottom layer is getting thinner and thinner now), data center, etc. The combination with the actual business of the bank belongs to the category of business hierarchy system.
Two, the bank's business can not be separated from three categories: assets, liabilities and intermediate categories (remember). The answer is mainly the business scope of the bank, excluding management system and oa. Next, what business systems does the bank have?
1. The deposit business bank has a deposit system (the core system of general commercial banks), associated accounting, customer system and account system (remember that bank customers and accounts are actually two different concepts). From the main business, there are demand deposits and time deposits (the term can be from 3 months to 5 years, 10 years or more). The longer the time is, the higher the interest rate will be), fixed deposit and fixed withdrawal (no agreed deposit period, one-time withdrawal), notice deposit (no agreed deposit period, withdrawal needs to be notified to the bank in advance). From the customer category, it is also divided into public and private. There is nothing to say about current accounts, which are divided into lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, deposit and withdrawal, and lump-sum deposit and withdrawal on a regular basis.
2. The loan business itself has a credit system. The loan business is complicated, including pre-loan investigation, loan approval and post-loan tracking. In terms of business logic, there are many links, and of course the safety factor is high. Nowadays, small and micro loans feel that the risk is sometimes too high (but from a development perspective). The bank's credit information system is actually related to many other systems, such as credit information, finance, real estate center and so on. In fact, many people often talk about establishing banks with deposits and developing banks with loans. In fact, banks value risk more than anything else, not that they do it when they make money. The risk of making money should be less.
Third, intermediary business should be too extensive in banks. Deposit and loan remittance is actually only a part of it. In the bank, it is an off-balance sheet business, as long as it is not the bank's own liabilities and assets-related business, it is an intermediate business. Therefore, the intermediary business of banks is a huge monster. If the bank's it planning is better, you may be able to see a clear architecture diagram, otherwise you will be more confused. There are mainly settlement business (domestic and foreign, mainly related to payment, such as domestic second-generation payment, online banking interconnection, global swift and Western Union) and letter of credit business (widely used in commerce, import and export, etc. ), trust business (a kind of entrusted business), leasing business (financial leasing, operating leasing, etc. ), agency business (collecting money, such as water, electricity and coal, etc. ) and bank card business. Of course, some banks also have investment banking business.