商业银行核心系统的服务架构研究

Three Layer Service Architecture of the Bank Core Business System

提出了需求+语义+服务的银行核心业务系统BCBS(Bank Core Business System)三层服务架构模型。以此为基础,设计开发了商业银行企业应用集成建议草案IFE,包括:IFE总体框架模型,金融业应用层通信协议FL7,IFE核心构件库IFE-Infrastructure,系统测试标准以及相应的测试资产库。商业银行可以基于IFE建议草案通过差异化分析规划设计出适合于本行的IT平台及BCBS,避免重复引进;还可以对业务流程及各种流程再造的方案开展评估和测试,规避流程银行变革过程中的风险。

The current operating modes of domestic financial enterprises are experiencing a significant transform from ＂sector banks＂ to ＂process bank＂.Introducing overseas advanced IT platform system to reform and constructing a new generation core banking system that is in line with domestic regulatory rules have become an inevitable trend.This paper proposed a requirement ＋ semantic ＋ service three-tier service architecture model for bank core business system（BSBS）.Moreover,the proposed drate of commercial banks enterprise application integration IFE was designed and develpoed,which includes IFE general framework model,application-layer communication protocol FL7 in financial industry,the IFE core component library（IFE-Infrastructure）,system testing standards and the corresponding test asset library.Based on the IFE proposed draft,commercial bank can accomplish the variance analysis to design IT platforms and BSBS applicable to the bank,to avoid duplicate introduction,to carry out assessment and testing to business process and varieties of process reengineering programs,and to avoid the risk in the bank＇s process changing.