江苏银行苏州同城清算系统的设计与实现
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摘要
同城清算业务是指由地方人民银行牵头组织在同一城市范围内各金融机构进行票据交换的资金清算业务。而同城清算系统正是人民银行为服务于同城清算业务而建立的地区支付结算系统，是我国支付结算体系中的重要组成部分。我国的同城清算系统从传统的手工票交模式发展到人行集中清算模式，正经历着大踏步的前进，特别是最近几年，发展尤为迅速，是除央行大小额支付系统外最主要的支付清算系统。为了提供更优质的金融服务，建立先进、高效的支付转账和信息交换平台，苏州人行对苏州同城清算系统进行了全新的升级改版，而银行端的同城清算系统同样需要更新换代，本文的研究目的即根据人行新版同城清算业务的需求开发一套与商业银行业务系统相匹配的银行端同城清算系统。
本文首先列举了苏州人行此次改版的全新内容，并对新增的业务品种做了详细的介绍，在此基础上，再融合同城清算系统原有业务品种，对新版银行端同城清算系统做出了一个完整的需求分析，并依托全新的数据交换平台设计了更完善的系统架构。其次，本文将系统开发划分为几大模块进行了详细的设计说明，并最终实现投产了该系统。此次新系统建设采用了ORACLE数据库和C语言开发工具，结合了高效的中间件技术和全新的开发平台，成熟的双机热备技术作为应急保障，并采购了新型的密押设备，保证了系统安全、稳定、高效的运行。
The local clearing operation is for clearing funds within the financial institutions at thesame city and is led by the local People’s Bank. The local clearing system is establishedfor local payment and settlement system by the People’s bank and it is an important part ofthe payment and settlement system in China. In our country, the local clearing system isdeveloped from the mode of the traditional manual ticket to the central clearing by thePeople’s Bank. It is making the big strides forward and it is developing very rapidly inrecent years. Also it is the major payment and settlement system except the minor andmajor settlement system of Banker’s bank. In order to provide the better financial servicesand establish the advanced and efficient platform of payment, transfer and informationexchange, the local (Suzhou) clearing system was upgraded by the people’s bank inSuzhou city while the bank clearing system also need to be upgraded. The purpose of thisresearch is based on the requirement of the new version of the local clearing system of thePeople’s bank, to develop a set of operation system of commercial bank which is matchedwith the local clearing system at the bank.
Firstly, in this essay, the content of the new version of the people’s bank in Suzhouwas enumerated and the new operation was introduced in detail. On this basis, thecompleted demand analysis was given and these depended on the original local clearingsystem and combination with new version of the bank clearing system. While the perfectsystem architecture was designed and it was based on a new data exchange platform.Secondly, in the essay, the development of system was divided into several modules,provided detail description in each module and the system was realized finally. At thistime, ORACLE database and C language were applied into this design, combined withefficient plug-in technology and the new development platform, the maturedouble-machine technology as an emergency guard and the new type of key equipmentwas purchased, to ensure the system will be operated safety, stability and efficient.
本文首先列举了苏州人行此次改版的全新内容，并对新增的业务品种做了详细的介绍，在此基础上，再融合同城清算系统原有业务品种，对新版银行端同城清算系统做出了一个完整的需求分析，并依托全新的数据交换平台设计了更完善的系统架构。其次，本文将系统开发划分为几大模块进行了详细的设计说明，并最终实现投产了该系统。此次新系统建设采用了ORACLE数据库和C语言开发工具，结合了高效的中间件技术和全新的开发平台，成熟的双机热备技术作为应急保障，并采购了新型的密押设备，保证了系统安全、稳定、高效的运行。
The local clearing operation is for clearing funds within the financial institutions at thesame city and is led by the local People’s Bank. The local clearing system is establishedfor local payment and settlement system by the People’s bank and it is an important part ofthe payment and settlement system in China. In our country, the local clearing system isdeveloped from the mode of the traditional manual ticket to the central clearing by thePeople’s Bank. It is making the big strides forward and it is developing very rapidly inrecent years. Also it is the major payment and settlement system except the minor andmajor settlement system of Banker’s bank. In order to provide the better financial servicesand establish the advanced and efficient platform of payment, transfer and informationexchange, the local (Suzhou) clearing system was upgraded by the people’s bank inSuzhou city while the bank clearing system also need to be upgraded. The purpose of thisresearch is based on the requirement of the new version of the local clearing system of thePeople’s bank, to develop a set of operation system of commercial bank which is matchedwith the local clearing system at the bank.
Firstly, in this essay, the content of the new version of the people’s bank in Suzhouwas enumerated and the new operation was introduced in detail. On this basis, thecompleted demand analysis was given and these depended on the original local clearingsystem and combination with new version of the bank clearing system. While the perfectsystem architecture was designed and it was based on a new data exchange platform.Secondly, in the essay, the development of system was divided into several modules,provided detail description in each module and the system was realized finally. At thistime, ORACLE database and C language were applied into this design, combined withefficient plug-in technology and the new development platform, the maturedouble-machine technology as an emergency guard and the new type of key equipmentwas purchased, to ensure the system will be operated safety, stability and efficient.
引文
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[16]SunLink使用说明,杭州信雅达数码科技有限公司.
[2]惠娟,刍议中小城市同城票据的清算系统模式,上海金融,2004,12（2）:187-192.
[3]葛晓军.侯文静,实现同城实时清算构筑资金高速公路[J],农业发展与金融,2003年10期.
[4]李浩.印国成,计算机网络在同城清算系统的应用[J],中国科技信息,2005年15期.
[5]方振斌,谈商业银行数据大集中模式下实时同城交换的实现,华南金融电脑，2004,5（1）：22-27.
[6]彭延林,改造同城清算数据交换平台实现外管局数据交换平台的可行性探索,华南金融电脑，2004,3.
[7]罗铁清.王莹.王如龙,软件项目管理流程分析与设计[J],计算技术与自动化,2005,(03).
[8]W.Richard Stevens,Stephen A.Rago,UNIX环境高级编程，第2版，人民邮电出版社，2007.
[9]唐靖飚,UNIX平台下C语言高级编程指南,北京希望电子出版社,2000.11.
[10]Neil Malthew,Richard Stones,Linux程序设计,第3版,人民邮电出版社,2007.
[11]马晓玉,Oracle10g数据库管理应用与开发,清华大学出版社,2007.
[12]凯特著，苏金国译,Oracle Database9i/10g/11g编程艺术,深入数据库体系结构(第二版),人民邮电出版社,2011.
[13]谭怀远,让Oracle跑得更快——Oracle10g性能分析与优化思路,电子工业出版社,2010.
[14]刘志成,薛志良,Oracle数据库管理与应用实例教程,人民邮电出版社,2010.
[15]王珊,萨师煊,数据库系统概论（第四版),高等教育出版社,2006.
[16]SunLink使用说明,杭州信雅达数码科技有限公司.