There Is No Need To Build A Financial Company System.

1, bringing ism is a good choice: Jobs's passage: "not everyone needs to grow their own food, not everyone needs to do their own clothes. We speak the language invented by others and use the mathematics invented by others.

We have been using other people's results.

It is a great thing to make use of human experience and knowledge to invent and create. "

Some financial companies spend a lot of money on building information systems.

It's ridiculous, using Microsoft's operating system, using IBM's servers, using ORACLE's database, using INTEL's processor...

How do you create your brand? You can't say that your name is your brand.

2, the way of thinking determines the way out: another point is to build a train of thought. The first R & D cost of Apple Corp is only 1/10 of IBM. A good idea will save a lot of unnecessary investment.

Who can say that Apple's investment is not as good as that of IBM? We should change the traditional thinking that determines the advantages and disadvantages of information construction with input size.

In addition to our own changes, there are also some comrades of the banking regulatory bureau. They believe that to set up a financial company, they must pay a lot of money to buy a system like a bank. Many financial companies can not do so at the beginning of their establishment.

I hope some of the comrades in the banking regulatory bureau have changed their minds. The decisive factor for the establishment of financial companies is their capital concentration rather than the system they spend.

Ours

Almost no cost. Currently, it is the safest and most efficient.

We made full use of the bank's cash pool system and built it ourselves.

and

Through account keeping mode, several systems are well linked.

As long as the banking system is normal, it will not affect business.

3, the construction of the system should remain unchanged. The financial system and the business system generally do not change much. The settlement payment system is changing rapidly. The two systems should not be integrated into one system, otherwise they will be changed all the time.

If the settlement system that often needs upgrading is handed over to the bank, the financial system of the finance company need not be upgraded frequently.

At present, many financial companies are bookkeeping models: all the members in the group need to open a deposit account (virtual account) in a financial company, and open a basic account (real account) in a cooperative bank.

The flow of capital information of a member enterprise is carried out through a virtual account of a financial company, and the actual flow of funds is carried out through a real account opened in the bank.

Virtual accounts interact with real accounts in real time, and verify and supervise each other.

Real time linkage is not necessary, mutual verification and supervision is impossible, because data is linked together, how to verify the original document with copy data, mutual verification and supervision should be placed between enterprises and banks.