银行代发住房公积金系统的设计与实现
摘要
随着国务院正式批复“黄河三角洲高效生态经济区发展规划”,位于中心城区的东营市,房价持续坚挺上涨,各大商业银行的住房公积金贷款业务也随之迅猛发展,已成为商业银行的主要融资模式。
中国银行东营分行自1998年开展住房公积金贷款业务以来,各类违约案例时有发生,违约贷款金额也一直不断攀升,大量不良贷款的出现,极大地制约了东营分行该项业务的健康发展,这就对代发住房公积金业务管理提出了更高的要求。因此,借助于信息技术,建立一套实用、高效、先进的管理系统成为一个必然趋势。
本文针对中国银行东营分行代发公积金业务实际情况,在对系统业务流程的详细调查的基础上建立了数据流程和UML面向对象建模分析过程模型。本系统采用.NET平台和ORACLE进行开发。设计实现上采用模块化设计,充分考虑重用性;实现上,分析研究了基于.NET平台的软件设计模式的特点及关键技术,给出了一种基于的C/S三层框架,这种框架层次清晰明了,能有效降低开发复杂度、缩短开发周期。
本系统为商业银行的代发住房公积金业务的提供了一套科学、有效的实现方案,大大提高了工作效率和管理水平,降低了人力成本,提升了企业自主竞争力,对其他兄弟城市的公积金管理信息化建设有一定的参考价值。
With the State Council officially approved the "Yellow River Delta Economic Zone Development Plan”, housing prices of Dong Ying City, which is located in downtown, continued to firm up. The housing provident fund loans of commercial banks have made a rapid development, and also become a main financing way of commercial banks.
Dong Ying Branch of China Bank has carried out housing fund loans since 1998. Various types of breach of contract cases often occurred, and the amount of default loans has been rising. The emergence of a large number of non-performing loans greatly restricted the healthy development of the business of bank, which also issued on behalf of the business management of housing provident fund. Therefore, with the help of information technology, establishing a practical, efficient, and advanced management system has become an inevitable trend.
This paper reflects the actual situation of business processes of Dong Ying Branch. Based on the detailed investigation of business process, we established a data flow and a process model of object-oriented UML Modeling. The system is based on .NET platform and ORACLE for development. We use a modular method for design, fully considering reusing. Also, we analysis characteristics and key technologies of .NET platform, and give a middleware technology based on C/S three-tier framework, which can better reduce development complexity. These can greatly shorten development cycle.
This application provides a scientific and effective implementation for providing housing fund of commercial bank, which greatly improved work efficiency and management level, lower labor costs, enhance the enterprise competitiveness. And also this system gives other brother cities some reference value of funding the construction of management information.
中国银行东营分行自1998年开展住房公积金贷款业务以来,各类违约案例时有发生,违约贷款金额也一直不断攀升,大量不良贷款的出现,极大地制约了东营分行该项业务的健康发展,这就对代发住房公积金业务管理提出了更高的要求。因此,借助于信息技术,建立一套实用、高效、先进的管理系统成为一个必然趋势。
本文针对中国银行东营分行代发公积金业务实际情况,在对系统业务流程的详细调查的基础上建立了数据流程和UML面向对象建模分析过程模型。本系统采用.NET平台和ORACLE进行开发。设计实现上采用模块化设计,充分考虑重用性;实现上,分析研究了基于.NET平台的软件设计模式的特点及关键技术,给出了一种基于的C/S三层框架,这种框架层次清晰明了,能有效降低开发复杂度、缩短开发周期。
本系统为商业银行的代发住房公积金业务的提供了一套科学、有效的实现方案,大大提高了工作效率和管理水平,降低了人力成本,提升了企业自主竞争力,对其他兄弟城市的公积金管理信息化建设有一定的参考价值。
With the State Council officially approved the "Yellow River Delta Economic Zone Development Plan”, housing prices of Dong Ying City, which is located in downtown, continued to firm up. The housing provident fund loans of commercial banks have made a rapid development, and also become a main financing way of commercial banks.
Dong Ying Branch of China Bank has carried out housing fund loans since 1998. Various types of breach of contract cases often occurred, and the amount of default loans has been rising. The emergence of a large number of non-performing loans greatly restricted the healthy development of the business of bank, which also issued on behalf of the business management of housing provident fund. Therefore, with the help of information technology, establishing a practical, efficient, and advanced management system has become an inevitable trend.
This paper reflects the actual situation of business processes of Dong Ying Branch. Based on the detailed investigation of business process, we established a data flow and a process model of object-oriented UML Modeling. The system is based on .NET platform and ORACLE for development. We use a modular method for design, fully considering reusing. Also, we analysis characteristics and key technologies of .NET platform, and give a middleware technology based on C/S three-tier framework, which can better reduce development complexity. These can greatly shorten development cycle.
This application provides a scientific and effective implementation for providing housing fund of commercial bank, which greatly improved work efficiency and management level, lower labor costs, enhance the enterprise competitiveness. And also this system gives other brother cities some reference value of funding the construction of management information.
引文
[1]林凌.住房公积金管理中心内部控制初探.内部控制,2006(12):42
[2]顾浩锺.论住房金融的创新与发展.中国房地产金融,2003(12):19
[3]王重润.住房金融趋势问题与改进.河北经贸大学学报,2004(1):15
[4]蔡敏,徐惠惠合著.UML基础与Rose建模教程.北京:人民邮电出版社,2006
[5]邝孔武,王晓敏著.信息系统分析与设计(第2版).北京:清华大学出版社,2002:145-152
[6]李劲东,姜遇姬,吕辉等著.管理信息系统原理.西安:西安电子科技大学出版社,2003:168-182
[7]王凡一.信息系统开发方法与数据库技术.现代化管理,1993,6( 7):78-79
[8]李贺,刘彬彬,孙明俪.SQL SERVER 2000应用与开发范例宝典.北京:人民邮电出版社,2006:25-32
[9]孔祥立.基于C/S与B/S混合模式的住房公积金管理信息系统探究.中国高新技术企业,2008(14):148.2008.
[10] Bing Wu,Deirdre Lawless,Jesus Bisbal,etal.Legacy System Migration:A Legacy Data Migration Engine.In:Ed.Czechoslovak Computer Experts.Proccedings of the 17th International Database Conference,October 12-14,1997,Brno,Czech Republic.1997.129-138
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[12]田伟.浅析住房公积金管理工作中的几个问题.西安金融,2006(05):32-33
[13]赵月英.计算机在住房公积金管理系统中的应用.铁路计算机应用,2002(10):26-30
[14] Oberleitner J , Gschwind T. , Jazayeri M.The Vienna component framework enabling composition across component models. Software Engineering,2003.Proceedings.25th International Conference on May2003:25-35
[15] Abraham Silberchatz. Database System Concept.北京:机械工业出版社,2003:23-68
[16]曹计昌,袁志勇,朱莉,闵华松.C++语言及面向对象程序设计.广州:中山大学出版社,2004
[17] GRADY BORCH.面向对象分析与设计.北京:机械工业出版社,2005
[18]赛奎春.SQL SERVER数据库开发实例解析.北京:机械工业出版社,2006
[19]赵晓涛.住房公积金管理系统.吉林大学硕士学位论文,2005.9.
[20] Frank Armour,Granville Mill.高级用例建模.北京:机械工业出版社,2004
[21] Ivar Jaeobson,Grady Booeh,James Rumbaugh.统一软件开发过程.北京:机械工业出版社,2002
[22] Roy J,Ramanujan A.XML schema language: taking XML to the next level; IT Professional conference,March April 2001,3(2):37-40
[23]潘锦平.软件开发技术.上海:上海科技出版社,1988:27-36
[24]刘云山.现代数据库技术.长沙:山东科学技术出版社,2000:23-30
[25]王凡一.信息系统开发方法与数据库技术.现代化管理,1993,6(7):78-79
[26] Wendy Boggs. UML with Rational Rose从入门到精通.北京:电子工业出版社,2000:7-14
[27] (美)凯特.Oracle9i&109编程艺术:深入数据库体系结构.北京:机械工业出版社,2006:10
[28] (美)依夫杰等.VB2005&NET3.0高级编程(第5版).机械工业出版社,200802.
[29] Craig Walls,Ryan Breidenbach. Spring in action.Greenwich:Published by Manning Publications.2005:8-11
[30] Hafedh Mili,Fatma Mili,Ali Mili. Reusing Software: Issues and Research Directions.IEEE Transactions on Software Engineering,1995,21(6):528-562.
[31] PrietoDiaz R. Status report: Software reusability.IEEE Software,1993,10(3):61.
[32]萨师煊,王珊.数据库系统概论.北京:高等教育出版社,2000:78一154.
[33] Hafedh Mili,Fatma Mili,Ali Mili.Reusing Software:Issues and Researeh Directions.IEEE Transactions on Software Engineering,1995,21(6):528-562
[34] Ruben Prieto-Diaz,Status Report:Software Reusability. IEEE Software,1993,10(3):61-66.
[35] Lubars M,Harandi T. Knowledge-based software using design schemas. Proceedings of the 9th intemational conference on software engineering.Chicago.1987:253-262.
[36] Terry A. Welch, A Technique for High-Performance Data Compression, Computer, June 1984.
[37] Mike Gunderloy Tim Sneath. SQL Server Developer’s Guide to OLAP with Analysis Services. Syngre Publishing,Inc,2001
[38] Tony Bain. Professional SQL Server 2000 Data Warehousing with Analysis Services. Syngre Publishing,Inc,2001
[39]沈超.园区公积金信息系统设计与软件测试.苏州:苏州大学,2009:52-59
[40]熊齐.基于c/s结构的公积金管理系统.武汉:华中科技大学,2005:32-46
[41]管娜.辽宁省国税局住房公积金管理系统设计与实现.大连:大连理工大学,2009:26-48
[42]周密.住房公积金归集管理信息系统.成都:四川大学,2003:32-61
[43]张海藩.软件工程导论.清华大学出版社,1998.1.
[44] Bruni Renato.Discrete Models for Data Impution. Discret Applied Mathematics.Vol:144,59—69,2004.
[45] Wasito I.Mirkin B,Nearest Neighbour Approach in the Least-SquaresData Imputation Algorithms,Information Sciences,vol:169,1-25,2005.
[46] Wang,ShuangCheng,Yuan SenMiao. Reseamh on Learning Bayesian Networks Structure with Missing Data,Journal of Software,vol:15,1024—1048,2004.
[47] Akesh Agrawal.Fast algorithms for mining associate rules in large databases,Proc of VLDB,Santiago 1994
[48]曲朝阳,刘志颖.软件测试技术.北京:中国水利水电出版,2006
[49] LoadRunner中文使用手册完全版.http://www.51testing.com,2005(10)
[50]徐彧,余珊珊,辛小霞.基于LoadRunner的软件性能测试研究.广东:现代计算机,2007(06)
[51] Glenford J.Myers.etal.软件测试的艺术.第2版.王峰,陈杰译.北京:机械工业出版社,2006.103-11
[2]顾浩锺.论住房金融的创新与发展.中国房地产金融,2003(12):19
[3]王重润.住房金融趋势问题与改进.河北经贸大学学报,2004(1):15
[4]蔡敏,徐惠惠合著.UML基础与Rose建模教程.北京:人民邮电出版社,2006
[5]邝孔武,王晓敏著.信息系统分析与设计(第2版).北京:清华大学出版社,2002:145-152
[6]李劲东,姜遇姬,吕辉等著.管理信息系统原理.西安:西安电子科技大学出版社,2003:168-182
[7]王凡一.信息系统开发方法与数据库技术.现代化管理,1993,6( 7):78-79
[8]李贺,刘彬彬,孙明俪.SQL SERVER 2000应用与开发范例宝典.北京:人民邮电出版社,2006:25-32
[9]孔祥立.基于C/S与B/S混合模式的住房公积金管理信息系统探究.中国高新技术企业,2008(14):148.2008.
[10] Bing Wu,Deirdre Lawless,Jesus Bisbal,etal.Legacy System Migration:A Legacy Data Migration Engine.In:Ed.Czechoslovak Computer Experts.Proccedings of the 17th International Database Conference,October 12-14,1997,Brno,Czech Republic.1997.129-138
[11]杨孝言.加强住房公积金财务管理提高住房公积金使用效益.金融经济,2006(10):66-67.
[12]田伟.浅析住房公积金管理工作中的几个问题.西安金融,2006(05):32-33
[13]赵月英.计算机在住房公积金管理系统中的应用.铁路计算机应用,2002(10):26-30
[14] Oberleitner J , Gschwind T. , Jazayeri M.The Vienna component framework enabling composition across component models. Software Engineering,2003.Proceedings.25th International Conference on May2003:25-35
[15] Abraham Silberchatz. Database System Concept.北京:机械工业出版社,2003:23-68
[16]曹计昌,袁志勇,朱莉,闵华松.C++语言及面向对象程序设计.广州:中山大学出版社,2004
[17] GRADY BORCH.面向对象分析与设计.北京:机械工业出版社,2005
[18]赛奎春.SQL SERVER数据库开发实例解析.北京:机械工业出版社,2006
[19]赵晓涛.住房公积金管理系统.吉林大学硕士学位论文,2005.9.
[20] Frank Armour,Granville Mill.高级用例建模.北京:机械工业出版社,2004
[21] Ivar Jaeobson,Grady Booeh,James Rumbaugh.统一软件开发过程.北京:机械工业出版社,2002
[22] Roy J,Ramanujan A.XML schema language: taking XML to the next level; IT Professional conference,March April 2001,3(2):37-40
[23]潘锦平.软件开发技术.上海:上海科技出版社,1988:27-36
[24]刘云山.现代数据库技术.长沙:山东科学技术出版社,2000:23-30
[25]王凡一.信息系统开发方法与数据库技术.现代化管理,1993,6(7):78-79
[26] Wendy Boggs. UML with Rational Rose从入门到精通.北京:电子工业出版社,2000:7-14
[27] (美)凯特.Oracle9i&109编程艺术:深入数据库体系结构.北京:机械工业出版社,2006:10
[28] (美)依夫杰等.VB2005&NET3.0高级编程(第5版).机械工业出版社,200802.
[29] Craig Walls,Ryan Breidenbach. Spring in action.Greenwich:Published by Manning Publications.2005:8-11
[30] Hafedh Mili,Fatma Mili,Ali Mili. Reusing Software: Issues and Research Directions.IEEE Transactions on Software Engineering,1995,21(6):528-562.
[31] PrietoDiaz R. Status report: Software reusability.IEEE Software,1993,10(3):61.
[32]萨师煊,王珊.数据库系统概论.北京:高等教育出版社,2000:78一154.
[33] Hafedh Mili,Fatma Mili,Ali Mili.Reusing Software:Issues and Researeh Directions.IEEE Transactions on Software Engineering,1995,21(6):528-562
[34] Ruben Prieto-Diaz,Status Report:Software Reusability. IEEE Software,1993,10(3):61-66.
[35] Lubars M,Harandi T. Knowledge-based software using design schemas. Proceedings of the 9th intemational conference on software engineering.Chicago.1987:253-262.
[36] Terry A. Welch, A Technique for High-Performance Data Compression, Computer, June 1984.
[37] Mike Gunderloy Tim Sneath. SQL Server Developer’s Guide to OLAP with Analysis Services. Syngre Publishing,Inc,2001
[38] Tony Bain. Professional SQL Server 2000 Data Warehousing with Analysis Services. Syngre Publishing,Inc,2001
[39]沈超.园区公积金信息系统设计与软件测试.苏州:苏州大学,2009:52-59
[40]熊齐.基于c/s结构的公积金管理系统.武汉:华中科技大学,2005:32-46
[41]管娜.辽宁省国税局住房公积金管理系统设计与实现.大连:大连理工大学,2009:26-48
[42]周密.住房公积金归集管理信息系统.成都:四川大学,2003:32-61
[43]张海藩.软件工程导论.清华大学出版社,1998.1.
[44] Bruni Renato.Discrete Models for Data Impution. Discret Applied Mathematics.Vol:144,59—69,2004.
[45] Wasito I.Mirkin B,Nearest Neighbour Approach in the Least-SquaresData Imputation Algorithms,Information Sciences,vol:169,1-25,2005.
[46] Wang,ShuangCheng,Yuan SenMiao. Reseamh on Learning Bayesian Networks Structure with Missing Data,Journal of Software,vol:15,1024—1048,2004.
[47] Akesh Agrawal.Fast algorithms for mining associate rules in large databases,Proc of VLDB,Santiago 1994
[48]曲朝阳,刘志颖.软件测试技术.北京:中国水利水电出版,2006
[49] LoadRunner中文使用手册完全版.http://www.51testing.com,2005(10)
[50]徐彧,余珊珊,辛小霞.基于LoadRunner的软件性能测试研究.广东:现代计算机,2007(06)
[51] Glenford J.Myers.etal.软件测试的艺术.第2版.王峰,陈杰译.北京:机械工业出版社,2006.103-11