随着商业银行信息化建设日趋完善，各大商业银行相继建立起了较为完善的综合业务系统，用于处理银行的基本业务，以及erp系统用于辅助财务账务处理；建立了信贷管理系统、个贷系统、抵押品管理系统、客户关系管理系统等业务支持系统；建立了规面交易监测系统、会计档案及稽核管理系统、集中对账系统、支付密码系统、柜面预警系统、指纹系统等风险控制系统；建立了历史数据管理系统等数据仓库。商业银行信息化建设热潮又一次到来，不同于90年代的是，90年代是基本功能的实现，而这次信息化建设更多地体现的管理方面的支持、营销方面的支持和风险的防范。商业银行的工作重点已从传统的柜台服务转变为客户营销、产品营销和风险防控。商业银行的竞争也更多的体现在IT建设上的竞争。
近年来，商业银行的IT建设更多地服务于以客户为中心的营销支持，风险防控方面较为薄弱。特别是随着改革开放经济的飞速发展，银行员工受到外部诱惑越来越多，思想日趋复杂化。商业银行不断发生内部员工利用职务之便进行作案，更加隐蔽，更加难以防范。特别是今年来银行员工利用库存现金做手脚的案件频发，河北某银行金库、山东某银行网点相继发生现金风险案件，其作案手段低劣，但得手极为容易，一方面说明银行忽视了内控管理，另一方面说明了银行的IT系统在现金管理方面不能提供有效的风险控制和风险预警，在最基本的现金收支业务中，银行忽视了IT支持和风险防范。
以往银行营业机构向金库提取现金需要派专人携带加盖预留印鉴的凭证到金库办理提款手续，现在金库都实现了集中配送，派人到金库只起到传递调拨信息验证身份的作用。而各银行营业机构工作人员非常紧张，派人携带凭证到金库浪费了大量的人力财力。因此迫切需要IT支持实现调拨信息的传递及身份确认。
物流管理理论和电子交接技术的成熟和广泛运用为我行出纳业务管理和操作方法的改革提供了新思路和新手段。参考其他行业物流管理的经验，以数据集中系统为基础平台，开发了出纳综合管理系统，以期统一全行出纳管理，建立扁平化的信息共享平台，实现操作和管理职能的分离；实现对调拨流程各环节的自动控制，减少调拨过程中的人工干预水平，在保证风险控制水平的同时减少审批控制，简化调拨操作；建立库存管理模型，加强对现金出纳信息流的采集和分析，防止库存控制失控；充分利用电子交接技术，实施全面过程控制，提高现金业务的操作风险控制能力，同时促进行内现金业务的前后台分离，提高对内对外的现金物流服务水平。起到了很好的风险防控作用，并能节约人力物力财力，具有很好的经济效益。
系统前端操作根据营业机构和管理部门采用不同的操作界面，营业机构前端使用C语言开发，使用银行柜台传统的字符终端界面，符合前台的操作习惯，也有效节省了硬件费用。管理机构操作采用WEB方式，方便管理人员使用。系统后台使用ESQL_C开发，数据库采用Informix动态数据库，具有很好的稳定性和效率。
出纳综合管理系统是原有的综合业务系统的补充，充分利用银行综合业务账务处理系统的建设成果和现有营业网络架构，利用出纳系统处理非账务信息、低安全度信息和复杂的过程控制逻辑 。
出纳综合管理系统的主要功能如下：
1、无纸化的实物调拨控制流程
出纳管理系统支持包括金库之间、网点与金库之间、金库与外部供应商（人行、同业、凭证印刷厂、贵金属精炼厂等）之间的调拨申请、调拨审批、实物出库联动记账和入库联动记账等一系列流程。需求机构通过系统发起、传递实物调拨信息，系统支持对不同时间要求申请信息的业务处理，自动检查库存实物余额情况，辅助审批人员调度实物，监控金库、网点现金实物的入账情况。整个过程通过不同环节的状态控制和联动记账，保证调拨信息、账务数据和实物的一致性。
在实物调拨流程中，每个网点只有一个人民币现金供应机构（即金库），一个外币供应机构，一个重空供应机构和一个贵金属供应机构，上述四个机构可以合而为一，金库对下面网点机构是一对多服务的关系。同理，每个金库只对应一个直接调度管理机构，调度管理机构对辖属的金库（或者下一级调度机构）是一对多管理的关系。金库数量过多且呈现明显的区域内交易频繁现象的省分行，可以适当设置二级调度机构。
2、机构库存限额管理
出纳综合管理系统实现管理人员分币种（人民币、美元、欧元、日元、港币五个币种）逐级设定库存和系统自动调整计算库存两种库存设定方式：
首先，各级管理行的管理人员可以设定本级和下级的库存限额、提现限额和残损币限额（残损币限额仅在金库控制），各级管理机构的库存限额表示的是每个辖属网点和金库的缺省限额。网点和金库如果被直接设置了库存限额，则该限额为有效限额；如果未被直接设置限额，则其最近的设置了限额的管理机构的限额，即为其有效限额。
其次，出纳系统每天根据当日收付情况，使用模型为每个网点和金库计算了浮动的库存限额，管理行可以对收付量比较有规律的网点和金库选择使用系统限额进行动态控制。
确定限额后，系统在日结时，对柜员和机构均进行库存限额控制检查，次日对前一日机构超限额情况进行预警。
3、金库库存实物管理
通过建立库存实物登记簿，区分类型，对库存实物（包括现金、凭证、贵重金属和代保管实物以及假钞、样币等）的出入库情况进行实时登记，并对库存实物的进、出、存量情况进行动态管理，实现实物管理和查询的电子化功能。
4、款箱（包）调运交接过程的控管
系统支持以金库为调度中心和中转机构的集中押运和集中配送模式。机构间用于现金、重空、贵金属、稽核凭证等各种物品配送的款箱（包）均统一编号，调运线路均由金库统一调度，在此前提下，金库通过线路管理控制每条线路的网点增减，线路是否运行，押运人员是否得到本次交接的授权，线路运行的实现和交接进度，以及运行中的线路上款箱交收情况和在途款项的明细清单。
对款箱调运的处理原则：
（1）对所有款箱统一编号进行标识，统一处理；
（2）对网点按调运线路进行分组、派工和交接；
（3）金库交接时扫描库存款箱，只能将到期款箱向物权人调运；
（4）网点只能将款箱向金库调运；
（5）只有款箱物权人才可以变更款箱的物权人属性和预约调运日期。
出纳综合管理系统有效得监控实物流转过程，有效控制营业机构的库存量，减少无效资金占用，能够有效地防范风险，节省人力财力，并能产生很好的经济效益。
With the commercial Banks information construction, the large commercial Banks have set up a relatively comprehensive service system for the processing of the bank, and the basic business erp system is used to assist in financial accounting treatment, Establish the credit management system, GeDai system, collateral management system, customer relationship management system; the business support system etc. Established rules face transactions monitoring system, accounting archives and the audit and management system, centralized reconciliation system, pay the password system, alarm system, fingerprint counter such risk control system, system, Establish the historical data management system, data warehouse, etc. The commercial Banks information construction upsurge again come, different from the 1990s, in the 1990s, the basic function is the embodiment of the informatization construction of more support, marketing management support and risk prevention. The key work of commercial bank has the counter service from the traditional marketing for customers, product marketing and risk prevention. The commercial bank more competition on the construction of the embodied in IT.
In recent years, the commercial Banks to serve IT to build more customer-oriented marketing support, risk prevention aspects are weak. Especially along with the rapid economic development of reform and opening up, the bank staff by external temptation more, complexity thoughts. Commercial Banks internal employees use continuously happen on crime of concealment, more difficult and more. Especially this year to bank staff use cash tamper with the frequent cases, hebei, shandong some bank vault in a bank outlets ensued cash risk, cases, but poor shooting, very easy to ignore the internal management, bank, on the other hand, IT illustrates the bank in cash management system can provide effective risk control and risk early warning, the most basic of cash receipts and cash in bank business, IT support neglected and risk prevention.
Previous bank business organizations to vault to wireless carry cash with the documents to the vaults properly handle formalities, now all withdrawals vaults, realized the concentration distribution has sent to the Treasury only verified identity information transmission allocations. But Banks operating personnel very nervous, sent to carry vouchers to vault waste a great deal of human resources. So urgent need IT support realization of information transfer and allocate an identification.
Logistics management theory and technology of electron transfer and widely used for our business management and operation method of the cashier's reform provides new ideas and new methods. Reference to other industries, with experience of logistics management system based on data platform, developed the cashier order, unified integrated management system, establish relevant cashier management information sharing platform of flating management, operation and function of separation, To allocate the automatic control process each link, reduce the intervention process transfers, in order to ensure the reduction of risk control level for examination and approval, simplify control operation; allocate Establish inventory management model, to strengthen the cash flow analysis, prevent and control inventory control, Make full use of electronic technology, implement comprehensive handover of process control, improve business operation risk control of cash, cash and promote the business QianHouTai separation industry, improve internal and external cash logistics service level. Have a good control effect, and risk can save manpower resources, has the good economic benefit.
In front of the business operation according to the system and management department adopts different interface, business organizations use C language development, in front of the bank counters using traditional characters, accord with the interface terminal operation habit, but also save the hardware cost. Management institution, convenient operation using the WEB using management personnel. Use ESQL_C development, system backstage database using Informix dynamic database, and has good stability and efficiency.
The cashier comprehensive management system is a comprehensive service system of the supplement, make full use of bank comprehensive business accounting treatment of system construction achievements and existing business network architecture, using teller system of accounting information processing, low safety information and complicated process control logic.
1, the real allocation.it paperless control process
The cashier management system, including the exchequer between support network and Treasury, between the vault and external suppliers (pedestrian, trade, and the precious metal refineries, etc, certificate of approval, apply, allocate slated incoming and outgoing material linkage charge. Such as charge linkage Demand, the system transfer information systems support real allocations for different time required for information processing, automatic check inventory material balance, auxiliary examination personnel dispatch, monitoring of exchequer, cash forms of credit circumstance outlets. The whole process through the state control and linkage, guarantee information, charge data transfers accounts and consistency.
In real allocations process, each node is only a renminbi cash supply agency (i.e., a foreign currency supply Treasury), a heavy air supply and a metal supply agencies, the four institutions can unite, vault is a pair of network organization more service. Similarly, each corresponding to a direct vaults only dispatching management institution, dispatching management institution may to the vaults (or institution) is a primary dispatching management more. Treasury excessive number and the obvious area of provincial branch trades frequent phenomena, can properly secondary scheduling.
2, the organization limit management
The cashier integrated management system management personnel (RMB, placed us dollar, the euro and yen, hk $5 currency) setting inventory system and automatic adjustment calculation inventory stock setting two ways:
First, all levels of management personnel management can be set at the ways and the lower limit, carry CanSunBi quota limitation and CanSunBi limitation in vaults alone (control), all levels of management institution is the limit of each node and Treasury may limit the default. Network and Treasury if set limit directly, the quota for effective limits, If not be directly set limits, the recent set the limit of the management institution, which is the effective limits.
Secondly, the cashier system, according to the daily receipts for each node using model was calculated and Treasury stock allowance, management of the floating of payment do with regular outlets and Treasury select use system dynamic control limit.
Determine the quota system in a knot, cabinet and institutions are inventory control, the limitation of the day before ChaoXianE institutions on alert.
3 and Treasury stock material management
Through the establishment of stock physical register, distinguish types of objects (including cash, stock certificate, precious metals and generation custody physical and YangBi counterfeit money, etc.) for the situation of real-time registration and inventory of real situation into or out of the dynamic management, inventory management, and inquires, realize the real electronic function.
4, paragraph box (pack) transition process of uncertain control
System to support for the control center and the interim vaults and validating the centralized organization distribution mode. Organizations for cash, heavy metals, audit certificate and various goods delivery coverall box (pack) are unified Numbers, transportation routes are unified dispatching in vaults, this premise, Treasury through the line management control each route network, line is running, escorts the transition is authorized, line operation and progress, and operation of the transfer lines above box and payment settlement in detail list.
On the principles of uncertain box:
For all the paragraph (1) unified Numbers mark, box with unified,
(2) the node transportation routes for the group, dispatching and handover,
(3) vault at the handover, can library deposit scan of box to expire real transportation,
(4) outlets will only money box to vault dispatching,
(5) only real talent can change of box of box of real property and appointment scheduling date.
The cashier integrated management system, effective monitoring material flow process, effective control inventory of business organization, reduce the invalid nbre, can effectively guard against risks, save manpower, and bring good economic benefits.