基于银行中间业务平台的社会保险个人缴费系统

Bank Made on Behalf of Its Clients for Receipt of Social Pension Funds

为了加强和规范社会保险工作,不断完善劳动保障综合管理、地税征收、财政监管的三方运行机制,做到社会保险基金对帐、分帐及时准确、全面,基于银行网点多、资金结算快捷,个人缴费方便的特点,社保局可委托银行代收社保费。银行现有的中间业务平台可以方便的实现个人社会保险费的代收业务。社保代收前置机采用TCP/IP协议通讯,以客户/服务器方式与中间业务平台进行交互,前置机操作系统采用SCOUnixWare7.1.1,数据库采用Sybase11.9.2 forUnixWare。前置机系统与中间业务平台采用报文进行数据信息交换,做到社会保险核定、征缴、支付数据传递及时、准确、安全。

Intermediary business (brokerage) refers to those that the bank is on behalf of its clients,that is,the clients entrust the bank for the receipt/payment of public utility fees.The benefits for the clients are to expedite the flow of cash,boost the economic efficiency and increase the quality of service.The bank,on the other hand,can attract more deposits,increase its profits and lure more potential clients.Meanwhile, with the opening up the financial market,the competition among commercial banks becomes more and more intense,resulting in the difficult growth of return on traditional business. The launch of new intermediary business brings commercial banks an important competitive advantage,and the value addition gained through this intermediary business will make a significant source of their revenues.This paper deals with the application and adoption of social pension funds in the intermediary business platform.