摘要
银保通系统是银行为代理各类保险业务而建设的中间业务系统。随着保险业务品种的不断涌现和保险机构的不断接入,传统银保通系统的可用性问题逐渐凸显,其中业务流程异构、管理功能单一、监管配套能力滞后等问题尤为突出,不仅增加了系统的运维成本,制约了银行代理保险业务的拓展,还隐含了较大的政策风险。针对当前状况及不足,文章提出一种新的银保通系统的解决方案。该方案通过统一外联接口,较好地标准化了代理保险业务流程,有效提高了系统的可扩展性能;设计了准入管理、单证管理等功能模块,较好地满足了系统业务管理诉求;采用三级存储模式设计并实现了双录模块,有效提高了影音文件存储、传输和应用效率,提升了系统的监管效能。
Bank-Insurance Link system is an intermediary business system that banks build to act as agents for all kinds of insurance business.With the continuous emergence of insurance business varieties and the continuous access of insurance institutions,the availability of the traditional Bank-Insurance link system has become increasingly prominent,especially the problems of heterogeneous business processes,single management functions and lagging regulatory supporting capabilities,which not only increases the operation and maintenance cost of the system,restricts the expansion of the bank's insurance agency business,but also implies greater policy risks.In view of the current situation and shortcom-ings,this paper proposes a new solution to the Bank-Insurance Link system.By unifying the external interface,the scheme standardizes the agent insurance business process and effectively improves the expandable performance of the system;designs the access management,document management and other functional modules to better meet the business management requirements of the system;adopts the three-level storage mode to design and realize the dual recording module,which effectively improves the storage,transmission and application efficiency of video and audio files and improves the supervision efficiency of the system.
作者
余进
YU Jin(Ministry of Information Technology,Hunan Province Rural Credit Cooperatives Union,Changsha 410006,China)
出处
《电脑与信息技术》
2020年第6期63-66,共4页
Computer and Information Technology
关键词
银保通
统一外联接口
三级存储
双录模块
bank-Insurance Link
unified external interface
three-level storage
dual recording module
