CN111461861B

CN111461861B - Two-level legal fund business management system

Info

Publication number: CN111461861B
Application number: CN202010173170.5A
Authority: CN
Inventors: 伊瑞华; 黄种; 刘俊鹏; 陈茂; 邓丽萍; 阮光荣; 马胜蓝; 王桐森
Original assignee: Fujian Rural Credit Union
Current assignee: Fujian Rural Credit Union
Priority date: 2020-03-13
Filing date: 2020-03-13
Publication date: 2023-08-18
Anticipated expiration: 2040-03-13
Also published as: CN111461861A

Abstract

The application provides a two-level legal person fund business management system in the technical field of financial information, which comprises a fund management module, a finance management module, a core module, a two-generation payment module, a core batch module, a new counter module, a short message module, a mobile finance module, a transaction module, a data module and a data warehouse module, wherein the fund management module is used for managing the fund of a user; the fund management module is respectively connected with the core module, the secondary payment module, the core batch module, the new counter module, the short message module and the mobile financial module through the ESB; the transaction module, the data module and the data warehouse module are all connected with the fund management module; and the financial management module is connected with the core module. The application has the advantages that: the unified management of the fund business of the first-level legal bank and the second-level legal bank is realized, and the operation efficiency of the fund is greatly improved.

Description

Two-level legal fund business management system

Technical Field

The application relates to the technical field of financial information, in particular to a two-level legal fund business management system.

Background

The interest rate marketization and the competition of the same industry continuously evolve to a deep depth, the fund cost of the bank liability end is continuously increased, and the fund business becomes an important path for banking financial institutions to realize the fund value-keeping and value-increasing, optimize business structure and prevent and control liquidity risks. In addition, in the large environment of economy and downlink, the going-to-lever is deepened continuously, the default phenomenon of capital market is more frequent, the rapid development of business is not separated from the support of science and technology, and a standardized and standardized fund business management system is beneficial to the business development of banking financial institutions and promotes the innovation transformation of banking financial institutions.

For the management of the fund business, the traditional method only focuses on one aspect of a foreground, a middle stage or a background, but does not effectively manage the whole business process of the fund business, especially the business between a second-level legal bank and a first-level legal bank, so that the fund operation efficiency is low.

For example: 1. the method of automatically identifying bond offers (CN 104091285B) focuses on how to obtain identifying offer information; a bond offer processing method and apparatus (CN 105931119 a) and a floating rate bond pricing and risk arbitrage method (CN 104182895A) provide a pricing method in bond transactions; an intelligent scheduling method (CN 108230148A) for financial asset liquidity management provides a coupon ordering method in bond related transactions, focusing on the foreground transactions; 2. a risk control transaction method and system (CN 108985931 a), focusing on how to perform risk control management on accounts, focusing on typhoon risk management; 3. the automatic processing method and device (CN 109598609A) of the bond transaction settlement task provides an automatic settlement flow of bond transactions among banks, the data processing method, the server and the system (CN 101908192A) for realizing bond discount and overflow price distribution provide a bond discount and overflow price processing method for reducing data processing errors, improve data accuracy and focus on background settlement.

Therefore, how to provide a second-level legal person funds business management system to realize unified management of the first-level legal person bank and the second-level legal person bank, so as to improve the funds operation efficiency, and become a problem to be solved urgently.

Disclosure of Invention

The application aims to solve the technical problem of providing a second-level legal person fund service management system, which realizes unified management of fund services of a first-level legal person bank and a second-level legal person bank, thereby improving the fund operation efficiency.

The application is realized in the following way: a two-level legal fund business management system comprises a fund management module, a finance management module, a core module, a two-generation payment module, a core batch module, a new counter module, a short message module, a mobile finance module, a transaction module, a data module and a data warehouse module;

the fund management module is respectively connected with the core module, the secondary payment module, the core batch module, the new counter module, the short message module and the mobile financial module through the ESB; the transaction module, the data module and the data warehouse module are all connected with the fund management module; the financial management module is connected with the core module;

the fund management module is used for managing fund business; the financial management module is used for accounting inquiry and account management; the core module is used for billing; the second-generation payment module is used for sending out a large 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 batch fund examination business; the transaction module is used for carrying out online transaction processing on the fund business; the data module is used for acquiring bonds and interest information; the data warehouse module is used for storing the flow transaction details.

Further, the fund management module is provided with a flow management unit, a business risk management unit and a secondary legal fund management unit;

the flow management unit is used for managing the transaction flow;

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;

the second-level legal person funds 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 funds of the second-level legal person bank for unified management.

Further, the flow management unit specifically includes:

the admission management subunit is used for the middle platform to conduct admission management of transaction amount and risk indexes on the transaction opponent;

the transaction application subunit is used for initiating a transaction application by a front desk transactor;

the foreground rechecking subunit is used for rechecking the transaction application by a foreground transactor, and if the rechecking passes, the foreground rechecking subunit enters the approval subunit; if the recheck does not pass, returning the transaction application;

the approval subunit is used for approving the transaction application by the department responsible person, and if the approval passes, the transaction application enters the background review subunit; if the approval is not passed, returning the transaction application;

the background rechecking subunit is used for double rechecking of the transaction application by background personnel, and if the rechecking passes, the rechecking subunit enters the clearing subunit; if the recheck does not pass, returning the transaction application;

the clearing sub-unit is used for judging whether the transaction application belongs to clearing money, if yes, clearing transaction is carried out through the second-generation payment module or the communication and acceptance, and the flow is ended; if not, the core module performs automatic billing, and the process is ended.

Further, the credit risk management subunit is configured to set a credit line according to the management condition, the repayment capability and the guarantee condition of the credit object, and verify 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 increment and the current day cash flow decrement, and further perform liquidity management of the fund according to the current day available position:

available position on day = initial funds on day + increase in cash flow on day-decrease in cash flow on day.

Further, the operation risk management subunit is configured to perform double-person rechecking on each operation of the transaction, set transaction amounts of different traders according to service categories, and perform current day checkout on the wrong operation.

Further, 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 the second-level legal bank; the primary index and the secondary index 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 an investment target; the rating management dimension is used for managing the rating of the investment targets and the publisher main body; the trade price management dimension is used to control the buying and selling prices of the investment targets.

The application has the advantages that:

by setting the fund management module, the transaction process is managed by using the process management unit of the fund management module, the risk management is performed by using the business risk management unit, the business condition of the secondary legal bank is inquired by using the secondary legal bank, and the idle funds of the secondary legal bank are collected and uniformly managed, so that the management of the transaction process, transaction amount, credit risk, liquidity risk, operation risk, risk index, internal transaction of the primary legal bank and the transaction of the secondary legal bank, namely the unified management of the foreground, the middle stage and the background, is realized, the operation efficiency of the funds is greatly improved, the risk management level is reduced, and the value-keeping and value-added of the funds are better realized.

Drawings

The application will be further described with reference to examples of embodiments with reference to the accompanying drawings.

FIG. 1 is a schematic block diagram of a two-level legal funds business management system of the present application.

Fig. 2 is a schematic block diagram of the funds management module of the present application.

Fig. 3 is a schematic block diagram of a business risk management unit of the present application.

Fig. 4 is a management flow chart of the flow management unit of the present application.

Detailed Description

The technical scheme in the embodiment of the application has the following overall thought: through setting up fund management module, financial management module, core module, second generation payment module, core batch module, new counter module, short message module, mobile finance module, transaction module, data module and data warehouse module including flow management unit, business risk management unit and second-level legal person fund management unit, realize the transaction flow, transaction amount, credit risk, mobility risk, operation risk, risk index, first-level legal person bank internal transaction, first-level legal person bank and second-level legal person bank transaction etc. to the front, middle and back stages of transaction, the management of transaction amount, credit risk, mobility risk, operation risk, risk index, first-level legal person bank and second-level legal person bank transaction, finally realize managing the fund business of first-level legal person bank and second-level legal person bank uniformly.

Referring to fig. 1 to 4, a preferred embodiment of a two-level legal fund service management system of the present application includes a fund management module, a finance management module, a core module, a two-generation payment module, a core batch module, a new counter module, a short message module, a mobile finance module, a transaction module, a data module and a data warehouse module;

After finishing data input of the service by the transaction module, the transaction staff downloads the data to the fund management module through the interface, and the data are synchronously processed with the online service without inputting relevant service data again, thereby reducing the repeated workload and improving the service processing efficiency. After the data is sent down to the fund management module, the business can be monitored in real time according to various wind control indexes set by the middle platform, and businesses which do not accord with the risk indexes are intercepted, so that the real-time performance of risk monitoring is realized. For example, when the mortgage bond is mortgage again, the relevant quality deposit does not meet the quality deposit standard, etc., the monitoring result can be fed back and the barker can be informed timely and accurately. In the market between banks, the business is required to be processed timely and the data is accurate, if the situation that the business cannot be monitored comprehensively is unavoidable by means of manual judgment, the whole flow of the business can be monitored through the fund management module, and the processing efficiency of the business problem is improved.

The fund management module is provided with a flow management unit, a business risk management unit and a secondary legal fund management unit;

the flow management unit is used for managing the transaction flow;

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; as the bank is a special enterprise for managing risks, the credit event frequency of the bond market is high under the economic downlink background, the fund business risks are continuously exposed, the bank is more required to be managed judiciously, and the risk management is enhanced;

Although each secondary legal bank has more operational funds, the price negotiating capability is limited due to the factors such as capital and scale in the capital business market, and the types of business which can be developed are limited. Therefore, in order to fully exert the scale advantages of 'small legal person and large system', the secondary legal person bank can better realize the value-keeping and value-adding of funds through the primary legal person bank, and besides basic funds business is transacted, funds business based on the secondary legal person system mode, such as about-term deposit, agency-deposited business and the like, is newly added, the type of business which can be developed by the secondary legal person bank is expanded, and the income of funds business is improved.

For example, the date deposit business is that the second-stage legal bank deposits the surplus funds to the first-stage legal bank, and the first-stage legal bank gathers the funds from the date deposit of each second-stage legal bank to form scale effect, thereby enhancing the bargaining capability in the market and thickening the income of the funds. The second-level legal funds management unit can carry out linkage data interaction on the second-level legal bank and the first-level legal bank. The second-level legal person bank initiates a date deposit application, records the fields of deposit amount, interest rate and the like, submits the fields to the first-level legal person bank after submitting the fields of in-line rechecking and approval, and the transactor returns to the second-level legal person bank after accepting, rechecking and approval, and the background personnel initiates a money transfer and parallel double-side accounting.

The flow management unit specifically comprises:

the approval subunit is used for approving the transaction application by the department responsible person, and if the approval passes, the transaction application enters the background review subunit; if the approval is not passed, returning the transaction application; when in 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;

if the background personnel recheck to pass, the background manager rechecks again, and if the background personnel recheck to pass, the transaction application is returned; after rechecking, entering a background rechecking subunit, and rechecking the transaction application again by double persons by a background person;

the clearing sub-unit is used for judging whether the transaction application belongs to clearing money, if yes, clearing transaction is carried out through the second-generation payment module (outside the system) or the general-storage payment module (inside the system), and the flow is ended; if not, the core module performs automatic billing, and the process is ended.

Conventionally, there are many drawbacks to doing business through paper processes. On one hand, online account registration and manual accounting can influence business handling efficiency and restrict the rapid development of business scale; on the other hand there is a higher business risk: firstly, errors are easy to occur under the conditions of complex service and large data volume, and operation risks exist, and secondly, the service is difficult to monitor in real time, and service risks exist. The process management unit is used for electronizing the process, so that the business handling efficiency is improved, and meanwhile, the business risk is effectively reduced through the modes of electronic mark remaining, real-time monitoring and the like. Through fund business accounting rules and standards, automatic clearing accounting is realized, background clearing speed and accounting processing efficiency are improved, background manpower is released, and background risk management can be more focused.

The credit risk management subunit is configured to set a credit line according to the management condition, the repayment capability and the guarantee condition of the credit object, and verify the credit line of the credit object.

Credit risk refers to the likelihood of a bank suffering a loss due to the inability of a counterparty to normally fulfill a contractual agreement. And when the service is initiated, if the input amount exceeds the set credit limit, early warning prompt is carried out.

And the method supports the distinction of whether the credit is given or not and the credit giving object according to different service types. For example, for liability transactions such as purchase back and withdrawal from the same industry, the method is a fund borrower, so that the business risk is low, and the method does not check whether the transaction opponent is authorized when the business is initiated, thereby improving the business handling efficiency; for asset business, namely, the method is a fund fusion party, a trust management standard is required to be strictly executed, wherein for bond buying transaction, the actual credit-use person and the fund fusion party are bond issuers, so that the system checks whether the bond issuers are trusted or not when the business is initiated; for transactions such as reverse purchase, peer removal and the like, the actual credit and funds exchange party are direct transaction opponents, so that the system checks whether the transaction opponents are trusted or not when the service is initiated; when investment is made in the resource management products, the manager qualification, the management level and the like have a great influence on whether the payment can be due, so that the manager of the resource management products needs to be checked to verify whether the manager has trusted when the business is initiated.

The mobility risk management subunit is configured to calculate a current day available position according to the initial fund, the current day cash flow increment and the current day cash flow decrement, and further perform mobility management on the fund according to the current day available position:

Liquidity risk refers to the risk that commercial banks, while having a clearing capacity, are not able to timely obtain sufficient funds or are unable to timely obtain sufficient funds at reasonable cost to cope with the asset growth or pay for an expired debt. For banks, grasping the position change of funds, keeping enough funds to cope with daily demands has important significance for normal operation. The mobility risk management subunit supports real-time checking and controlling of the change condition of the position of funds after each business is processed by a transactor.

And the operation risk management subunit is used for double check of each operation of the transaction, setting the transaction limits of different traders according to the business categories respectively, and performing daily account clearing on the wrong operation.

Operational risk refers to the risk of loss caused by imperfect or problematic internal processes, staff and information technology systems, and external events. The operation risk management subunit mainly reduces the operation risk of the user in three modes:

firstly, double check is carried out: setting trader manager, trader rechecking, middle manager, back manager and back manager roles, wherein manager corresponds to rechecking; in the business link, after the establishment of the manager, the user with the rechecking role performs rechecking operation.

Secondly, managing and controlling the transaction amount of the transactor: the business variety and the line which can be engaged by the trader are controlled, so that the layered management of the trader is realized, on one hand, different line authorities are set according to different investment experiences of the trader, and the operation risk caused by unfamiliar business and the like can be reduced; on the other hand, different transaction amounts are set for different traders in different business modules, so that the expertise of the traders is improved, for example, the traders on the bond lines control the amounts for initiating and storing the business of the same business, and the like. After a transactor is selected, selecting all business types, such as business types, bond buying, bond selling, mortgage type forward buyback, mortgage type reverse buyback, buyback type forward buyback, mortgage type reverse buyback, up-reserve period and the like, and controlling single strokes, single days and accumulated initiating credit corresponding to the business types through a limited credit type field.

Third, support the current day checkout: when the operation problems such as business data processing errors and the like are found in the day of the transaction with the successful accounting after the business flow is finished, the accounting serial number of the transaction to be checked out can be input, the corresponding accounting entry is automatically displayed back, and after background manager and rechecking confirmation, the transaction is checked out, and the offset entry is automatically generated.

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 the second-level legal bank; the primary index and the secondary index comprise a concentration management dimension, a rating management dimension and a transaction price management dimension; the risk management and control of the first-level legal bank and the second-level legal bank are realized, and meanwhile, the individuation of the risk management and control of the second-level legal bank is considered;

In summary, the application has the advantages that:

by setting the fund management module, the transaction process is managed by using the process management unit of the fund management module, the risk management is performed by using the business risk management unit, the business condition of the secondary legal bank is inquired by using the secondary legal bank, and the idle funds of the secondary legal bank are collected and uniformly managed, so that the management of the transaction process, transaction amount, credit risk, liquidity risk, operation risk, risk index, internal transaction of the primary legal bank and the transaction of the secondary legal bank, namely the unified management of the foreground, the middle stage and the background, is realized, the operation efficiency of the funds is greatly improved, the risk management level is reduced, and the value-keeping value-added of the funds is better realized.

While specific embodiments of the application have been described above, it will be appreciated by those skilled in the art that the specific embodiments described are illustrative only and not intended to limit the scope of the application, and that equivalent modifications and variations of the application in light of the spirit of the application will be covered by the claims of the present application.

Claims

1. A two-level legal fund business management system, which is characterized in that: the system comprises a fund management module, a finance management module, a core module, a two-generation payment module, a core batch module, a new counter module, a short message module, a mobile finance module, a transaction module, a data module and a data warehouse module;

the fund management module is used for managing fund business; the financial management module is used for inquiring accounts and managing accounts; the core module is used for billing; the second-generation payment module is used for sending out a large 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 carrying out online transaction processing on the fund business; the data module is used for acquiring bonds and interest information; the data warehouse module is used for storing the flow transaction details;

the flow management unit is used for managing the transaction flow;

the second-level legal person funds management unit is used for inquiring the business condition of the second-level legal person bank by the first-level legal person bank and collecting the idle funds of the second-level legal person bank for unified management;

the flow management unit specifically comprises:

the admission management subunit is used for the middle station to conduct admission management of transaction line and risk indexes on the transaction opponent;

a transaction application subunit, configured to initiate a transaction application by a foreground transactor;

the foreground rechecking subunit is used for rechecking the transaction application by a foreground transactor, and if the rechecking passes, the foreground rechecking subunit enters the rechecking subunit; if the recheck does not pass, returning the transaction application;

the approval subunit is used for approving the transaction application by the department responsible person, and if the approval passes, the department responsible person enters the background review subunit; if the approval is not passed, returning the transaction application;

the clearing sub-unit is used for judging whether the transaction application belongs to clearing money, if so, clearing transaction is carried out through the second-generation payment module or the communication and acceptance, and the flow is ended; if not, carrying out automatic accounting through the core module, and ending the flow;

the credit risk management subunit is configured to set a credit line according to the operation condition, the repayment capability and the guarantee condition of the credit object, and verify the credit line of the credit object;

available position on day = initial funds in the future + increase in cash flow on day-decrease in cash flow on day;

the operation risk management subunit is used for double check of each operation of the transaction, setting of transaction amounts of different traders according to business categories respectively, and daily clearing of the wrong operation;

the risk index configuration subunit is used for configuring primary indexes which can be maintained by the primary legal bank only and secondary indexes which can be maintained by both the primary legal bank and the secondary legal bank; the primary index and the secondary index comprise a concentration management dimension, a rating management dimension and a transaction price management dimension;