First, the main achievements of China Postal Savings Bank in realizing comprehensive centralized and unified detailed accounting.
The quasi-real-time detailed accounting mode of transaction details data of each system has realized the unified accounting details of the whole bank, realized the one-account type of the whole bank, and improved the accuracy, integration level and report disclosure speed of the Postal Savings Bank. The main construction achievements of the accounting processing platform include:
1. Accounting Treatment of "Separation of Industry and Society".
Through the separation of business processing flow and accounting flow, on the one hand, it simplifies business processing flow and improves business processing efficiency. On the other hand, the accounting rules are separated from various business systems, so as to unify the changes of accounting rules and the implementation and enforcement of new accounting standards in the future. This move will also play an important role in promoting the development of Process Bank.
2. The "one account" accounting mode of the whole bank.
Within the scope of the Postal Savings Bank, the cross-system/business line current account has been cancelled, realizing "horizontal one account", and the current account of higher and lower institutions has been cancelled, realizing "vertical one account". Thus, the whole bank has truly realized the "one account" accounting mode, laying a solid foundation for unified detailed accounting, unified fund settlement management and unified cash voucher management.
3. Unified report generation and release.
The implementation of the accounting processing platform avoids the problem that the consolidated data of various business systems are not provided in time, which leads to the untimely disclosure of statements. At the same time, because we have mastered all the detailed accounting data, we have also realized the ability of unified analysis and report release across business lines. In addition, the detailed accounting content of the accounting processing platform includes all business lines of the Postal Savings Bank.
II. Unified Detailed Accounting Scheme for Large Commercial Banks
1. Product and business aspects
As a large commercial bank, Postal Savings Bank has a complex product line, rich business types and relatively many business systems, which is one of the research and development focuses of establishing a unified accounting processing platform. FCC Postal Savings Bank has comprehensively sorted out various business lines and product types, formed an effective standardized system related to products and accounting, and clarified the complex relationship between financial products and accounting in one fell swoop. Nantian Company adopts a highly flexible accounting engine based on multi-dimensional parameter system, which fully accommodates all kinds of products and business models and is compatible with accounting needs under various special circumstances. With a streamlined processing mechanism, the unified detailed accounting of the whole bank under the mode of separation of industry and finance will be fully realized.
2. Processing performance
As one of the large state-owned commercial banks, Postal Savings Bank has nearly 65.438+0.2 billion local and foreign currency accounts, and handles more than 6.5438+0.00 million transactions per second at peak hours, and takes the lead in adopting the technical system of microcomputer +PC server cluster to conduct unified detailed accounting in one system.
Finally, in the construction of accounting processing platform, the overall construction scheme of PC server as the main (application server) and minicomputer as the auxiliary (database) is adopted. In the process of data processing, give full play to the characteristics of PC server and minicomputer, and give priority to memory calculation. At the same time, a large number of advanced new technologies have been adopted in process scheduling, asynchronous processing, industry meeting inspection, report generation, etc., which have fully met the performance challenges and successfully achieved the expected goals. In the process of building the accounting processing platform, the Postal Savings Bank cooperated closely with Nantian Company, and completed all the work of system requirements analysis, design, development and testing in only nine months. The system was officially launched in September 20 13, and has been tested for five months. The successful implementation of the accounting processing platform based on the characteristics of Postal Savings Bank indicates that the two sides have jointly explored a new mode of unified detailed accounting for large commercial banks in terms of accounting process and technical system architecture, and achieved remarkable results.
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