CN114997449A - Bank business operation management system - Google Patents
Bank business operation management system Download PDFInfo
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- CN114997449A CN114997449A CN202210679813.2A CN202210679813A CN114997449A CN 114997449 A CN114997449 A CN 114997449A CN 202210679813 A CN202210679813 A CN 202210679813A CN 114997449 A CN114997449 A CN 114997449A
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- G06Q10/00—Administration; Management
- G06Q10/02—Reservations, e.g. for tickets, services or events
- G06Q10/025—Coordination of plural reservations, e.g. plural trip segments, transportation combined with accommodation
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- G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
- G06Q10/06311—Scheduling, planning or task assignment for a person or group
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- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention provides a bank business operation management system, comprising: the bank management system comprises a display module, an appointment module, a management module, an operation module and a monitoring module, wherein the display module is used for displaying bank operation information; the reservation module is used for reserving service information; the operation module is used for bank business processing; the management module is used for managing banking business handling; the monitoring module is used for controlling the bank business operation risk; the display module, the reservation module, the management module, the operation module and the supervision module are sequentially connected. The invention not only can provide good business handling experience for users and improve the business handling efficiency of banks, but also can realize automatic standardized supervision and processing, multi-level early warning on business, early detection and processing on risks and avoiding serious risk upgrading.
Description
Technical Field
The invention belongs to the technical field of operation management, and particularly relates to a business operation management system of a bank.
Background
With the progress of society, especially the wide spread of computers, the application of computers is gradually shifted from the massive data processing of large-scale scientific computing to large-scale transaction processing and workflow management, which results in the application of management information systems with computers as the core and database management systems as the development environment in large-scale transaction processing, workflow management and the like.
The improvement of the quality of life of people and the interaction with banks become an indispensable part of the life of people, and the users of the banks continuously increase. However, people also put more and higher demands on the service of banks. It is desirable to facilitate banking operations more conveniently and in a less time consuming manner. However, the existing bank generally has the defects that the existing business data acquisition is not comprehensive, the data is dispersed in each system, and the data support and summarization capability is insufficient. The existing network management still has all manual processing and offline processing, and daily affair management cannot be efficiently and accurately carried out. In the face of customer service, business response, and incapability of realizing comprehensive risk pre-judgment and early warning in time in the transaction process, and the like; therefore, it is necessary to establish a new, efficient, convenient and interconnected bank operation management system to improve the working efficiency of the bank and meet the requirement of the convenience of the user.
Disclosure of Invention
In order to solve the technical problem, the invention provides a business operation management system of a bank. The method provides good business handling experience for users, improves the business handling efficiency of banks, realizes automatic standardized supervision and processing, carries out multi-level early warning on business, finds early processing on risks and avoids serious risk upgrading.
In order to achieve the above object, the present invention provides a bank service operation management system, including: a display module, an appointment module, a management module, an operation module, a supervision module,
The display module is used for displaying bank operation information;
the reservation module is used for reserving service information;
the operation module is used for bank business processing;
the management module is used for managing banking business handling;
the monitoring module is used for controlling the bank business operation risk;
the display module, the reservation module, the management module, the operation module and the supervision module are connected in sequence.
Optionally, the display module comprises: the system comprises a position unit, a business unit and a personnel information unit;
the position unit is used for displaying the geographical position of the bank outlets and sequencing according to the distance;
the business unit is used for displaying the business time of the bank outlets, the types of the business which can be handled, the number of currently handled business persons and the estimated duration of the corresponding business handling completion;
the staff information unit is used for displaying staff information in the bank outlets, and the staff information comprises names, working years and post information of the staff.
Optionally, the reservation module includes: a time reservation unit and a service reservation unit;
the time reservation unit is used for reserving service handling time;
the service reservation unit is used for reserving the service to be transacted and filling out a reservation certificate.
Optionally, the job module comprises: a foreground operation sub-module and a background operation sub-module;
the foreground operation submodule is used for providing counter and hall field business processing;
and the background operation submodule is used for carrying out background processing on the banking business.
Optionally, the front desk operation sub-module comprises a counter unit and a hall unit;
the counter unit is used for providing business handling of a high cabinet, a low cabinet and a VIP cabinet;
the hall unit is used for providing the processing of self-service cabinets and mobile banking services.
Optionally, the background operation submodule includes: the system comprises a clearing unit, a cash unit, a deposit unit, a remote authorization unit and a service processing unit;
the clearing unit is used for summarizing, approving, accounting and reconciling the bank payment settlement and clearing business;
the cash unit is used for carrying out cash transfer, zero-stroke exchange and counterfeit money collection;
the loan unit is used for carrying out the unified accounting processing of credit approval and loan putting;
the remote authorization unit is used for providing centralized authorization of business operation;
and the service processing unit is used for supplementing and recording the certificate which is only subjected to initial examination and scanning at the foreground, and performing composition and subsequent processing work on service compliance and integrity.
Optionally, the management module includes: the system comprises a standard operation unit, a training unit and an evaluation unit;
the standard operation unit is used for providing a standard specification of banking business processing;
the training unit is used for carrying out business training on a new person according to the banking business processing standard specification and carrying out regular whole-person training;
and the evaluation unit is used for evaluating the working mode of the bank worker according to the banking business processing standard specification.
Optionally, the supervision module comprises: a risk monitoring unit and an early warning unit;
the risk monitoring unit is used for monitoring in real time through post inspection and monitoring and correcting the operation of banking services;
the early warning unit is used for setting parameters to carry out early warning on the operation state of the banking business.
Compared with the prior art, the invention has the following advantages and technical effects:
according to the invention, the display module displays the bank operation information and the reservation service information is processed through the reservation module, so that the service processing experience of a user is greatly optimized, and the service processing efficiency of the bank is improved; the management module is used for managing the banking business handling, so that a unified standard is provided for the banking business handling, the business mishandling rate is avoided, and the business handling level of workers is improved; the bank business operation risk is controlled through the monitoring module, automatic standardized monitoring processing is achieved, multi-level early warning of business is achieved, risk early detection and early processing are achieved, and risk upgrading is avoided from being serious.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:
fig. 1 is a schematic structural diagram of a business operation management system of a bank according to an embodiment of the present invention.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
Examples
As shown in fig. 1, the present embodiment provides a business operation management system for a bank, including: a system for managing operations of a bank, comprising: the system comprises a display module, an appointment module, a management module, an operation module and a monitoring module; the display module is used for displaying bank operation information; the reservation module is used for reserving service information; the operation module is used for bank business processing; the management module is used for managing banking business handling; the monitoring module is used for controlling the bank business operation risk; the display module, the reservation module, the management module, the operation module and the supervision module are sequentially connected.
Further, the display module comprises: the system comprises a position unit, a business unit and a personnel information unit; the position unit is used for displaying the geographical position of the bank outlets and sequencing according to the distance; the business unit is used for displaying the business time of the bank outlets, the types of the business which can be handled, the number of currently handled business persons and the estimated duration of the corresponding business handling completion; the personnel information unit is used for displaying staff information in the bank outlets, and the staff information comprises the names, the working years and the post information of the staff.
Further, the reservation module comprises: a time reservation unit and a service reservation unit; the time reservation unit is used for reserving service handling time; the service reservation unit is used for reserving the service to be transacted and filling out a reservation certificate.
In this embodiment, the display module is configured to display bank information to a user, sequentially display location information of nearby bank outlets at a distance from the user location, and push an optimal driving route and predicted transit time to the user according to a real-time traffic condition; the user can inquire whether the website contains the business that needs to be handled in the display module to can show in real time that the number of currently handled business and the completion of corresponding business are handled and predict length, convenience of customers carries out the business reservation in advance, improves the business and handles efficiency, and in the display module, still further show the name, the working year limit and the post information that have the staff, convenience of customers knows in advance and seeks staff and handle the business. The advanced reservation in the embodiment can save the waiting time of the business handling of the client to the maximum extent, and the APP, the WeChat public number or the official website channel of the bank mobile phone bank are utilized to select the type of the network points, the handling time and the business handling on line. Meanwhile, for services which can be handled by non-specified network points, the rest resources can be checked on line in real time, and whether the queuing phenomenon of the network points is serious or not can be observed. After the customer arrives at the network site, the customer only needs to report on the number calling machine, and the instant service handling can be realized. For complex services with more data requirements, in order to avoid unsuccessful service handling caused by incomplete data carrying by a client, a link of real-time online service consultation and online data centralized operation background pre-examination is opened, and limited counter resources of a physical network point are expanded to an online access centralized operation flow. For example: through the display module and the reservation module, online and offline connection of a communication line is achieved, online reservation account opening of enterprises in electronic channels is achieved, pre-examination and check of account opening data are performed online, time for handling the public accounts is saved, the experience of account opening handling of the enterprises is improved, efficiency of network point handling for public account business is improved, and online support is provided for optimizing the account opening process of the enterprises.
Further, the job module includes: a foreground operation sub-module and a background operation sub-module; the foreground operation submodule is used for providing counter and hall field business processing; and the background operation submodule is used for carrying out background processing on the banking business.
The foreground operation sub-module comprises a counter unit and a hall unit; the counter unit is used for providing business handling of a high cabinet, a low cabinet and a VIP cabinet; the hall unit is used for processing self-service cabinets and mobile banking services.
The background operation submodule comprises: the system comprises a clearing unit, a cash unit, a deposit unit, a remote authorization unit and a service processing unit; the clearing unit is used for summarizing, approving, accounting and reconciling the bank payment settlement and clearing business; the cash unit is used for carrying out cash transfer, zero-stroke exchange and counterfeit money collection; the loan unit is used for carrying out unified accounting processing of credit approval and loan putting; the remote authorization unit is used for providing centralized authorization of business operation; and the service processing unit is used for supplementing and recording the certificate which is only subjected to initial examination and scanning at the foreground, and performing composition and subsequent processing work on service compliance and integrity.
In this embodiment, the foreground operation sub-module is used for handling all services that can be provided by the bank hall and the counter correspondingly; in the background operation submodule, a clearing unit: the system is mainly responsible for summarizing, approving, bookkeeping and reconciliation of all-line payment settlement and clearing business, and is responsible for the functions of billing and reconciliation of a payment system and a clearing system of a people bank. A cash unit: is responsible for the work of cash allocation, zero exchange, counterfeit money collection and the like in all lines. A money putting unit: the loan payment step is independent of the website and is combined with the centralized auditing and payment of the credit management department, so that the unified financial processing of the loan payment by a background is realized. The remote authorization unit: the teller uploads the service information to the background authorization center, and the background authorization supervisor implements standard and normative auditing work on the service.
Further, the management module includes: the system comprises a standard operation unit, a training unit and an evaluation unit; the standard operation unit is used for providing a standard specification of banking business processing; the training unit is used for carrying out business training on a new person according to the banking business processing standard specification and carrying out regular whole-person training; and the evaluation unit is used for evaluating the working mode of the bank worker according to the banking business processing standard specification.
Further, the supervision module comprises: a risk monitoring unit and an early warning unit;
the risk monitoring unit is used for monitoring in real time through post inspection and monitoring and correcting the operation of banking services; the early warning unit is used for setting parameters to carry out early warning on the operation state of the banking business.
In this embodiment, the risk monitoring unit uses a computer technology to replace a conventional manual auditing manner by means of unified scanning of images and key auditing of risk monitoring, so as to reduce workload of employees and avoid human factors from influencing auditing quality, thereby realizing integration of processing flows. And a three-dimensional and multidimensional early warning monitoring mechanism is established through the early warning unit. The system automatically screens according to the models by flexibly customizing a key supervision model and a risk early warning model through setting parameters, and performs key supervision and sampling supervision on screened records to realize multi-level three-dimensional early warning supervision on services.
The above description is only for the preferred embodiments of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (8)
1. A system for managing operation of a bank, comprising: a display module, an appointment module, a management module, an operation module, a supervision module,
The display module is used for displaying bank operation information;
the reservation module is used for reserving service information;
the operation module is used for bank business processing;
the management module is used for managing banking business handling;
the monitoring module is used for controlling the bank business operation risk;
the display module, the reservation module, the management module, the operation module and the supervision module are sequentially connected.
2. The system for managing the business operations of a bank according to claim 1, wherein said presentation module comprises: the system comprises a position unit, a business unit and a personnel information unit;
the position unit is used for displaying the geographical position of the bank outlets and sequencing according to the distance;
the business unit is used for displaying the business time of the bank outlets, the types of the business which can be handled, the number of currently handled business persons and the estimated duration of the corresponding business handling completion;
the staff information unit is used for displaying staff information in the bank outlets, and the staff information comprises names, working years and post information of the staff.
3. The business operation management system of a bank according to claim 1, wherein the reservation module comprises: a time reservation unit and a service reservation unit;
the time reservation unit is used for reserving service handling time;
the service reservation unit is used for reserving the service to be transacted and filling the reservation certificate.
4. The business operation management system of a bank according to claim 1, wherein the job module comprises: a foreground operation sub-module and a background operation sub-module;
the foreground operation submodule is used for providing counter and hall field business processing;
and the background operation submodule is used for carrying out background processing on the banking business.
5. The system for managing the operation of a bank according to claim 4, wherein said front desk job submodule includes a counter unit and a hall unit;
the counter unit is used for providing business handling of a high cabinet, a low cabinet and a VIP cabinet;
the hall unit is used for processing self-service cabinets and mobile banking services.
6. The business operation management system of a bank according to claim 4, wherein the background work submodule includes: the system comprises a clearing unit, a cash unit, a deposit unit, a remote authorization unit and a service processing unit;
the clearing unit is used for summarizing, approving, accounting and reconciling the bank payment settlement and clearing business;
the cash unit is used for carrying out cash transfer, zero-stroke exchange and counterfeit money collection;
the loan unit is used for carrying out unified accounting processing of credit approval and loan putting;
the remote authorization unit is used for providing centralized authorization of business operation;
and the service processing unit is used for supplementing and recording the certificate which is only subjected to initial examination and scanning at the foreground, and performing composition and subsequent processing work on service compliance and integrity.
7. The system for managing the operation of a bank according to claim 1, wherein said management module comprises: the system comprises a standard operation unit, a training unit and an evaluation unit;
the standard operation unit is used for providing a standard specification of banking business processing;
the training unit is used for carrying out business training on a new person according to the banking business processing standard specification and carrying out regular whole-person training;
and the evaluation unit is used for evaluating the working mode of the bank worker according to the banking business processing standard specification.
8. The system for managing operation of a business of a bank according to claim 1, wherein said supervision module comprises: a risk monitoring unit and an early warning unit;
the risk monitoring unit is used for monitoring in real time through post inspection and monitoring and correcting the operation of banking services;
the early warning unit is used for setting parameters to carry out early warning on the operation state of the banking business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210679813.2A CN114997449A (en) | 2022-06-16 | 2022-06-16 | Bank business operation management system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210679813.2A CN114997449A (en) | 2022-06-16 | 2022-06-16 | Bank business operation management system |
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| CN114997449A true CN114997449A (en) | 2022-09-02 |
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| CN202210679813.2A Pending CN114997449A (en) | 2022-06-16 | 2022-06-16 | Bank business operation management system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116308710A (en) * | 2023-03-13 | 2023-06-23 | 中安网脉(北京)技术股份有限公司 | Cash operation integrated management system, method and computer storage medium |
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2022
- 2022-06-16 CN CN202210679813.2A patent/CN114997449A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116308710A (en) * | 2023-03-13 | 2023-06-23 | 中安网脉(北京)技术股份有限公司 | Cash operation integrated management system, method and computer storage medium |
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