银行企业信用信息采集系统的设计与实现
时间:2011-03-23 浏览次数:383次 无忧论文网
数据库数据库
有效、可靠的社会信用体系是现代市场经济的重要基础制度之一。近年来,党中央、国务院对建设我国信用体系问题十分重视,社会各方面也对此表现出高度关注。人民银行已经基本建成了一套全国集中的统一征信数据库,而征信系统目前最主要的数据来源是各个商业银行,各商业银行有必要建立一套专门的信用信息采集系统来完成行内客户信用指标的采集和报送。
本文以商业银行的数据库为例,研发一套采用B/S架构,基于J2EE平台的银行企业信用信息采集系统。主要针对系统三个关键模块进行研究论证:
(1) 根据商业银行信贷管理数据库的特点,提出一种针对动态海量数据的采集方法与实施方案。
(2) 结合本系统业务作业处理特点,设计一套经济实用的作业调度方案。
(3) 根据系统数据文件交互规范,综合考虑报文格式特点,提出一个经济可行的报文处理框架并实现。项目实施过程遵从CMMI三级域,系统开发严谨规范。针对相关模块提出的技术解决方案基于当前最为热门的JAVA技术,具有思路新颖,技术前沿的特点。已经投产的企业信用信息采集系统实现了对源系统数据的采集、转换以及与人民银行企业征信系统的报文交互功能。目前该系统在某商业银行全行范围内使用,处理数据包括该行全量信贷数据,访问用户覆盖全国,具有良好的社会及商业应用价值。 [英文摘要]: An effective and reliable social credit system is an important foundation for the modern market economy. In recent years, the Central Committee of the Party and the State Council attach great importance to building a social credit system. Different aspects of our society have also shown great concern on it. The People’s Bank of China has nearly established a uniform national database for Enterprises Credit. The main sources for the credit system are commercial banks. It is necessary for commercial banks to establish a special credit information collecting system to complete the credit information collecting and transferring for customers.
In this thesis, we use a database of a commercial bank as an example to develop a credit information collecting system. The system applies the Browser/Server structure and is based on the J2EE development platform. We conduct our research and discussion based on the following three major modules:
(1) Based on the features of the commercial bank credit database management, we propose a method of collection for dynamic mass data and a scheme of the method implementation.
(2) Combining the process features of the system for professional jobs, we design a set of economic and practical job scheduling programs.
(3) Based on the interaction rules for system data files and taking the main features of data files format requirement into our full consideration, we design and implement an economic framework to deal with message files.The project proceeding sticks to the CMMI third class standard,and its development process is standard and regular. The technological solutions for the modules are based on the new popular Java technology with features of novelty of the idea and advancement of its technology. The corporation credit information collecting system has already been put into application and is playing successful functions in collecting, transferring, and sharing message from source data. The system is currently used in a commercial bank across the country and worked successfully, which showcases its great social impact and commercial value.
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