CN111461861A - Second-level legal fund business management system - Google Patents
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- CN111461861A CN111461861A CN202010173170.5A CN202010173170A CN111461861A CN 111461861 A CN111461861 A CN 111461861A CN 202010173170 A CN202010173170 A CN 202010173170A CN 111461861 A CN111461861 A CN 111461861A
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Abstract
The invention provides a second-level legal fund service management system in the technical field of financial information, which comprises a fund management module, a core module, a second-generation payment module, a core batch module, a new counter module, a short message module, a mobile financial module, a transaction module, a data module and a data warehouse module, wherein the second-level legal fund service management module is connected with the fund management module; the fund management module is respectively connected with the core module, the second-generation payment module, the core batch module, the new counter module, the short message module and the mobile financial module through an ESB (enterprise service bus); the transaction module, the data module and the data warehouse module are all connected with the fund management module; the fiscal pipe module is connected with the core module. The invention has the advantages that: the unified management of the capital business of the first-level legal bank and the second-level legal bank is realized, and the operating efficiency of capital is greatly improved.
Description
Technical Field
The invention relates to the technical field of financial information, in particular to a system for managing capital business of a second-level legal person.
Background
The market of interest rate and the competition of the same industry are continuously evolving to the depth, the capital cost of the bank liability end is continuously increased, and the capital business becomes an important path for the banking financial institution to realize the value increase of capital insurance, optimize the business structure and prevent and control the liquidity risk. In addition, under the large environment of economic downgrade, the lever is removed continuously and deepened, the default phenomenon of the capital market is more frequent, the rapid development of the business is not separated from the support of science and technology, and a normalized and standardized fund business management system is beneficial to the business development of financial institutions in the banking industry and promotes the innovation and transformation of the financial institutions.
Aiming at the management of capital business, the traditional method only focuses on one of a foreground, a middle station or a background, and does not effectively manage the whole business process of the capital business, especially the business between a second-level legal bank and a first-level legal bank, so that the capital operation efficiency is low.
For example: 1. a method (CN104091285B) of automatically identifying bond offers focuses on how to obtain identification offer information; a bond quotation processing method and device (CN105931119A) and a floating rate bond pricing and risk arbitrage method (CN104182895A) provide a pricing method in bond trading; an intelligent scheduling method (CN108230148A) for financial asset liquidity management provides a coupon ordering method in bond-related transactions, and focuses on foreground transactions; 2. a risk control transaction method and system (CN108985931A) focuses on how to perform risk control management on accounts, and focuses on middle platform risk management; 3. an automatic processing method and a device (CN109598609A) for a bond transaction settlement task provide a flow of automatic settlement of bond transactions between banks, a data processing method for realizing bond discount overflow price distribution, a server and a system (CN101908192A) provide a bond discount overflow price processing method for reducing data processing errors, improve the accuracy of data and focus on background settlement.
Therefore, how to provide a system for managing the capital service of the second-level legal person to realize the unified management of the capital services of the first-level legal person bank and the second-level legal person bank so as to improve the operating efficiency of the capital becomes a problem to be solved urgently.
Disclosure of Invention
The invention aims to provide a system for managing capital services of second-level legal persons, which realizes unified management of capital services of a first-level legal person bank and a second-level legal person bank and further improves the operating efficiency of capital money.
The invention is realized by the following steps: a second-level legal fund business management system comprises a fund management module, a core module, a second-generation payment module, a core batch module, a new counter module, a short message module, a mobile financial module, a transaction module, a data module and a data warehouse module;
the fund management module is respectively connected with the core module, the second-generation payment module, the core batch module, the new counter module, the short message module and the mobile financial module through an ESB (enterprise service bus); the transaction module, the data module and the data warehouse module are all connected with the fund management module; the fiscal pipe module is connected with the core module;
the fund management module is used for managing fund services; the financial management module is used for financial inquiry and account management; the core module is used for accounting; the second generation payment module is used for sending a large amount payment instruction; the core batch module is used for batch accounting; the new counter module is used for transaction application pushing; the short message module is used for sending a fund system short message; the mobile financial module is used for mobile approval fund business; the transaction module is used for online transaction processing of fund business; the data module is used for acquiring bond and interest information; the data warehouse module is used for storing the flow transaction details.
Furthermore, the fund management module is provided with a flow management unit, a business risk management unit and a second-level legal fund management unit;
the process management unit is used for managing the transaction process;
the business risk management unit is provided with a credit risk management subunit, a liquidity risk management subunit, an operation risk management subunit and a risk index configuration subunit;
and the second-level legal person fund management unit is used for the first-level legal person bank to inquire the service condition of the second-level legal person bank and collect the idle fund of the second-level legal person bank for unified management.
Further, the process management unit specifically includes:
the admission management subunit is used for the admission management of the trading limit and the risk index of the trading opponent by the central station;
the transaction application subunit is used for initiating a transaction application by a foreground trader;
the foreground rechecking subunit is used for rechecking the transaction application by a foreground trader, and if the rechecking is passed, the foreground rechecking subunit enters the approval subunit; if the recheck is not passed, returning the transaction application;
the examination and approval subunit is used for examining and approving the transaction application by a department responsible person, and entering the background review subunit if the examination and approval is passed; if the examination and approval is not passed, returning the transaction application;
the background rechecking subunit is used for double rechecking the transaction application by background personnel, and if the rechecking is passed, the counter subunit is entered; if the recheck is not passed, returning the transaction application;
the clearing subunit is used for judging whether the transaction application belongs to clearing money or not, if so, clearing transaction is carried out through the second-generation payment module or the deposit transfer, and the process is ended; and if not, automatically accounting through the core module, and ending the process.
Further, the credit risk management subunit is configured to set a credit line according to the operation condition, the repayment ability, and the guarantee condition of the credit object, and check the credit line of the credit object.
Further, the liquidity risk management subunit is configured to calculate a current day available position according to the initial fund, the current day cash flow increase amount, and the current day cash flow decrease amount, and further perform liquidity management on the fund according to the current day available position:
the day available position is the initial fund on day + cash flow increase on day-cash flow decrease on day.
Furthermore, the operation risk management subunit is configured to perform double review on each operation of the transaction, set transaction amounts of different traders according to business categories, and perform daily account wiping on incorrect operations.
Furthermore, the risk index configuration subunit is used for configuring a first-level index which can be maintained by only a first-level legal bank and a second-level index which can be maintained by both the first-level legal bank and a second-level legal bank; the first-level index and the second-level index respectively comprise a concentration management dimension, a rating management dimension and a transaction price management dimension;
the concentration management dimension is used for setting the investment proportion of the investment target; the rating management dimension is used for managing the ratings of the investment target and the publisher main body; the trading price management dimension is used to control the bid and ask prices for the investment target.
The invention has the advantages that:
by arranging the fund management module, managing the transaction process by using the process management unit of the fund management module, managing the risk by using the business risk management unit, inquiring the business condition of a second-level legal bank by using a first-level legal bank by using the second-level legal bank, and collecting the idle fund of the second-level legal bank for unified management, finally realizing the unified management on the transaction process, the transaction amount, the credit risk, the liquidity risk, the operation risk, the risk index, the internal transaction of the first-level legal bank and the transaction between the first-level legal bank and the second-level legal bank, namely carrying out the unified management on a foreground, a middle platform and a background, namely realizing the unified management on the fund business of the first-level legal bank and the second-level legal bank, further greatly improving the operating efficiency of the fund and reducing the risk management level, the value of the fund is better increased.
Drawings
The invention will be further described with reference to the following examples with reference to the accompanying drawings.
FIG. 1 is a block diagram of the structure of a two-level legal fund service management system according to the present invention.
FIG. 2 is a schematic block diagram of the structure of the funds management module of the present invention.
Fig. 3 is a schematic block diagram of the structure of the business risk management unit of the present invention.
Fig. 4 is a management flowchart of the flow management unit of the present invention.
Detailed Description
The technical scheme in the embodiment of the application has the following general idea: by arranging a fund management module, a financial management module, a core module, a second-generation payment module, a core batch module, a new counter module, a short message module, a mobile financial module, a transaction module, a data module and a data warehouse module which comprise a flow management unit, a business risk management unit and a second-level legal fund management unit, the management of the transaction flows of a foreground, a middle station and a background of the transaction, transaction amounts, credit risks, liquidity risks, operation risks, risk indexes, internal transactions of a first-level legal bank, transactions of a first-level legal bank and a second-level legal bank and the like is realized, and finally, the unified management of the fund business of the first-level legal bank and the second-level legal bank is realized.
Referring to fig. 1 to 4, a preferred embodiment of a second-level legal fund service management system according to the present invention includes a fund management module, a financial management module, a core module, a second-generation payment module, a core batch module, a new counter module, a short message module, a mobile financial module, a transaction module, a data module, and a data warehouse module;
the fund management module is respectively connected with the core module, the second-generation payment module, the core batch module, the new counter module, the short message module and the mobile financial module through an ESB (enterprise service bus); the transaction module, the data module and the data warehouse module are all connected with the fund management module; the fiscal pipe module is connected with the core module;
the fund management module is used for managing fund services; the financial management module is used for financial inquiry and account management; the core module is used for accounting; the second generation payment module is used for sending a large amount payment instruction; the core batch module is used for batch accounting; the new counter module is used for transaction application pushing; the short message module is used for sending a fund system short message; the mobile financial module is used for mobile approval fund business; the transaction module is used for online transaction processing of fund business; the data module is used for acquiring bond and interest information; the data warehouse module is used for storing the flow transaction details.
After the trader finishes the data entry of the business through the trading module, the data is downloaded to the fund management module through the interface and is processed synchronously with the online business without re-entering the related business data, so that the repeated workload is reduced, and the business processing efficiency is improved. After the data goes down to the fund management module, the business can be monitored in real time according to various wind control indexes set by the middle desk, and the business which does not accord with the risk indexes is intercepted, so that the real-time performance of risk monitoring is realized. For example, when the pledged bond is pledged again, the relevant pledge does not meet the standard of the high-quality pledge, and the like, the monitoring result is fed back and the trader is informed accurately in time. In the inter-bank market, the business processing is required to be timely, the data is accurate, if the business processing is judged by manpower, the situation that the business cannot be monitored comprehensively is inevitable, the monitoring of the whole business process can be realized through the fund management module, and the processing efficiency of the business problems is improved.
The fund management module is provided with a flow management unit, a business risk management unit and a first-level legal fund management unit;
the process management unit is used for managing the transaction process;
the business risk management unit is provided with a credit risk management subunit, a liquidity risk management subunit, an operation risk management subunit and a risk index configuration subunit; because the bank is a special enterprise for operating risks, credit events in the bond market frequently appear under the economic downlink background, the risk of capital business is continuously exposed, careful operation is needed, and risk management is enhanced;
and the second-level legal person fund management unit is used for the first-level legal person bank to inquire the service condition of the second-level legal person bank and collect the idle fund of the second-level legal person bank for unified management.
Although each second-level legal bank has more operable funds, the bargaining capability is limited and the types of services that can be developed are limited in the capital business market due to the limitations of capital, scale and other factors. Therefore, in order to fully exert the scale advantages of 'small legal person and large system', the bank of the second-level legal person can better realize the value-keeping and value-increasing of funds through the bank of the first-level legal person, besides handling basic fund services, fund services based on a second-level legal person system mode are added, such as date-bound deposit, agency storage and same-industry services and the like, the extensible service types of the bank of the second-level legal person are expanded, and the income of the fund services is improved.
For example, the appointment deposit business is that the second-level legal bank deposits surplus funds into the first-level legal bank, and the first-level legal bank collects the funds from the appointment of each second-level legal bank to form a scale effect, so that the bargaining capacity of the second-level legal bank on the market is enhanced, and the income of the funds is increased. The second-level legal fund management unit can perform linkage data interaction on the second-level legal bank and the first-level legal bank. The second-level legal bank initiates a date saving application, enters fields such as the amount of saved money and interest rate, submits the fields to the first-level legal bank after the fields are checked and approved in the line, the trader returns to the second-level legal bank after the fields are accepted, checked and approved, and the background personnel initiate money transfer and link two-side accounting.
The process management unit specifically includes:
the admission management subunit is used for the admission management of the trading limit and the risk index of the trading opponent by the central station;
the transaction application subunit is used for initiating a transaction application by a foreground trader;
the foreground rechecking subunit is used for rechecking the transaction application by a foreground trader, and if the rechecking is passed, the foreground rechecking subunit enters the approval subunit; if the recheck is not passed, returning the transaction application;
the examination and approval subunit is used for examining and approving the transaction application by a department responsible person, and entering the background review subunit if the examination and approval is passed; if the examination and approval is not passed, returning the transaction application; during approval, a plurality of authorized persons can be set for approval according to approval authorities, so that flexible and multi-level approval management is realized;
the background rechecking subunit is used for double rechecking the transaction application by background personnel, and if the rechecking is passed, the counter subunit is entered; if the recheck is not passed, returning the transaction application;
if the background personnel recheck is not passed or can be rechecked again through the background management, and if the recheck is not passed again, returning the transaction application; if the transaction application passes the rechecking again, the transaction application enters a background rechecking subunit, and the background personnel rechecks the transaction application again for two persons;
the clearing subunit is used for judging whether the transaction application belongs to clearing money or not, if so, clearing transaction is carried out through the second generation payment module (outside the system) or through deposit and redemption (inside the system), and the transaction process is finished; and if not, automatically accounting through the core module, and ending the process.
Traditionally, there are many drawbacks to conducting business transactions through paper processes. On one hand, offline registration of the ledger and manual accounting treatment affect the business handling efficiency and restrict the rapid development of business scale; on the other hand, there is a high business risk: firstly, errors easily occur under the conditions of complex service and large data volume, and operation risks exist, and secondly, service risks exist due to the fact that real-time monitoring is difficult to perform on the service. The process management unit electronizes the process, improves the business handling efficiency, and effectively reduces business risks by means of electronic trace leaving, real-time monitoring and the like. Through fund business accounting rules and standards, automatic clearing and accounting are realized, background clearing speed and financial processing efficiency are improved, background manpower is released at the same time, and the system can be more concentrated on management of background risks.
And the credit risk management subunit is used for setting a credit line according to the operation condition, the repayment capacity and the guarantee condition of the credit object and verifying the credit line of the credit object.
Credit risk refers to the possibility that a bank suffers a loss due to the failure of a counterparty to properly fulfill a contractual agreement. When the service is initiated, if the input amount of money exceeds the set credit line, the early warning prompt is carried out.
The support distinguishes whether to give credit or not and the object of the credit according to different service types. For example, for liability transactions such as purchase-back and trade pull-in, the own party is a fund borrower and the business risk is low, so that whether credit is granted to a counterparty is not checked when business is initiated, and the business handling efficiency is improved; for asset type business, namely the party is a fund aggregator, credit granting management specifications need to be strictly executed, wherein for bond buying transaction, an actual credit consumer and a fund cashing party are bond issuers, so that the system checks whether credit granting is performed on the bond issuers or not when the business is initiated; for the transactions such as reverse buyback, removal from the same industry and the like, because the actual credit user and the fund transfer party are direct transaction opponents, the system checks whether the credit is granted to the transaction opponents when the transaction is initiated; when investing in a product such as a management product, because the qualification and management level of a manager have a great influence on the payment due, it is necessary to check whether or not a credit has been granted to the manager of the product at the time of service initiation.
The liquidity risk management subunit is used for calculating the available position of the day according to the beginning fund, the cash flow increment of the day and the cash flow decrement of the day, and further carrying out liquidity management on the fund according to the available position of the day:
the day available position is the initial fund on day + cash flow increase on day-cash flow decrease on day.
Liquidity risk refers to the risk that a commercial bank, although having liquidity, cannot obtain sufficient funds in a timely manner or at a reasonable cost to deal with an increase in assets or payment of due debts. For banks, mastering the position change of capital, and keeping enough capital to meet daily demands has important significance for normal operation. The liquidity risk management subunit supports the trader to check and control the change situation of the capital positions and the change situation of the future gaps after various business processes in real time.
The operation risk management subunit is used for double rechecking each operation of the transaction, setting transaction amounts of different traders according to business types, and wiping accounts on the same day for wrong operations.
Operational risk refers to the risk of loss caused by imperfect or problematic internal programs, personnel and information technology systems, and external events. The operation risk management subunit reduces the operation risk of the user mainly through three modes:
firstly, double rechecking is carried out: setting roles of trader handling, trader rechecking, middle-station handling, middle-station rechecking, background handling and background rechecking, wherein the handling corresponds to the rechecking; in the business link, after the set handling is initiated, the user with the rechecking role carries out rechecking operation.
Secondly, managing and controlling the trade amount of the trader: the method has the advantages that the business varieties and the amount which can be engaged by traders are controlled, hierarchical management of the traders is realized, on one hand, different amount authorities are set according to different investment experiences of the traders, and the operation risk caused by unfamiliarity of the business and the like can be reduced; on the other hand, different transaction limits are set in different business modules for different traders, the speciality of the trader is improved, for example, the trader of the bond line is controlled to initiate the limit for storing the business of the same industry, and the like. After a trader is selected, all business types such as businesses, bond buying, bond selling, pledge forward buyback, pledge reverse buyback, buying disconnection forward buyback, pledge reverse buyback, and upper reservation are selected according to the business types, and single stroke, single day and accumulated initiation limit of the corresponding business types are controlled through the limit type field.
Thirdly, the account wiping on the same day is supported: for the transaction with the finished business flow and the successful bookkeeping, when the operation problems of business data processing error and the like are found on the same day, the bookkeeping serial number of the transaction needing to be erased can be input, the corresponding bookkeeping entry is automatically displayed, after the background handling and the rechecking confirmation, the transaction is erased, and the reimbursement entry is automatically generated.
The risk index configuration subunit is used for configuring a primary index which can be maintained by only a primary legal bank and a secondary index which can be maintained by both the primary legal bank and a secondary legal bank; the first-level index and the second-level index respectively comprise a concentration management dimension, a rating management dimension and a transaction price management dimension; the risk control method is characterized in that the risk control method realizes effective control of the first-level legal bank and the second-level legal bank and gives consideration to the individuation of the risk control of the second-level legal bank;
the concentration management dimension is used for setting the investment proportion of the investment target; the rating management dimension is used for managing the ratings of the investment target and the publisher main body; the trading price management dimension is used to control the bid and ask prices for the investment target.
In summary, the invention has the advantages that:
by arranging the fund management module, managing the transaction process by using the process management unit of the fund management module, managing the risk by using the business risk management unit, inquiring the business condition of a second-level legal bank by using a first-level legal bank by using the second-level legal bank, and collecting the idle fund of the second-level legal bank for unified management, finally realizing the unified management on the transaction process, the transaction amount, the credit risk, the liquidity risk, the operation risk, the risk index, the internal transaction of the first-level legal bank and the transaction between the first-level legal bank and the second-level legal bank, namely carrying out the unified management on a foreground, a middle platform and a background, namely realizing the unified management on the fund business of the first-level legal bank and the second-level legal bank, further greatly improving the operating efficiency of the fund and reducing the risk management level, the value of the fund is better increased.
Although specific embodiments of the invention have been described above, it will be understood by those skilled in the art that the specific embodiments described are illustrative only and are not limiting upon the scope of the invention, and that equivalent modifications and variations can be made by those skilled in the art without departing from the spirit of the invention, which is to be limited only by the appended claims.
Claims (7)
1. A second-level legal fund business management system is characterized in that: the system comprises a fund management module, a financial management module, a core module, a second generation payment module, a core batch module, a new counter module, a short message module, a mobile financial module, a transaction module, a data module and a data warehouse module;
the fund management module is respectively connected with the core module, the second-generation payment module, the core batch module, the new counter module, the short message module and the mobile financial module through an ESB (enterprise service bus); the transaction module, the data module and the data warehouse module are all connected with the fund management module; the fiscal pipe module is connected with the core module;
the fund management module is used for managing fund services; the financial management module is used for financial inquiry and account management; the core module is used for accounting; the second generation payment module is used for sending a large amount payment instruction; the core batch module is used for batch accounting; the new counter module is used for pushing transaction application; the short message module is used for sending a fund system short message; the mobile financial module is used for mobile approval fund business; the transaction module is used for online transaction processing of fund business; the data module is used for acquiring bond and interest information; the data warehouse module is used for storing the flow transaction details.
2. The system for managing secondary legal funds service of claim 1, wherein: the fund management module is provided with a flow management unit, a business risk management unit and a first-level legal fund management unit;
the process management unit is used for managing the transaction process;
the business risk management unit is provided with a credit risk management subunit, a liquidity risk management subunit, an operation risk management subunit and a risk index configuration subunit;
and the second-level legal person fund management unit is used for the first-level legal person bank to inquire the service condition of the second-level legal person bank and collect the idle fund of the second-level legal person bank for unified management.
3. The system for the management of secondary legal funds services as recited in claim 2, wherein: the process management unit specifically includes:
the admission management subunit is used for the admission management of the trading limit and the risk index of the trading opponent by the central station;
the transaction application subunit is used for initiating a transaction application by a foreground trader;
the foreground rechecking subunit is used for rechecking the transaction application by a foreground trader, and if the rechecking is passed, the foreground rechecking subunit enters the approval subunit; if the recheck is not passed, returning the transaction application;
the examination and approval subunit is used for examining and approving the transaction application by a department responsible person, and entering the background rechecking subunit if the examination and approval is passed; if the examination and approval is not passed, returning the transaction application;
the background rechecking subunit is used for double rechecking the transaction application by background personnel, and if the rechecking is passed, the counter subunit is entered; if the recheck is not passed, returning the transaction application;
the clearing subunit is used for judging whether the transaction application belongs to clearing money or not, if so, clearing transaction is carried out through the second-generation payment module or the deposit transfer, and the process is ended; and if not, automatically accounting through the core module, and ending the process.
4. The system for the management of secondary legal funds services as recited in claim 2, wherein: and the credit risk management subunit is used for setting a credit line according to the operation condition, the repayment capacity and the guarantee condition of the credit object and verifying the credit line of the credit object.
5. The system for the management of secondary legal funds services as recited in claim 2, wherein: the liquidity risk management subunit is used for calculating the available position of the day according to the beginning of the period fund, the cash flow increase amount of the day and the cash flow decrease amount of the day, and further carrying out liquidity management on the fund according to the available position of the day:
the day available position is the initial fund on day + cash flow increase on day-cash flow decrease on day.
6. The system for the management of secondary legal funds services as recited in claim 2, wherein: the operation risk management subunit is used for double rechecking each operation of the transaction, setting transaction amounts of different traders according to business types, and wiping accounts on the same day for wrong operations.
7. The system for the management of secondary legal funds services as recited in claim 2, wherein: the risk index configuration subunit is used for configuring a first-level index which can be maintained by only a first-level legal bank and a second-level index which can be maintained by both the first-level legal bank and a second-level legal bank; the first-level index and the second-level index respectively comprise a concentration management dimension, a rating management dimension and a transaction price management dimension;
the concentration management dimension is used for setting the investment proportion of the investment target; the rating management dimension is used for managing the ratings of the investment target and the publisher main body; the trading price management dimension is used to control the bid and ask prices for the investment target.
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
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| CN112785280A (en) * | 2021-02-05 | 2021-05-11 | 福建省农村信用社联合社 | Device for pushing certain deposit product based on secondary legal person mode |
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| CN111461861B (en) | 2023-08-18 |
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