Overview
With economic globalization and fierce international competition, commercial bank and some financial organizations are facing lots of challenges, which including bank supervision, work efficiency, service convenience, operation and management problems, etc.. Therefore automatic operation and management is indispensable for the financial organizations. ZTE electronic bank solution can help the customers to settle those problems.

Solution introduction
The solution includes seven main systems. As following picture: 

ATM System
ZTE ATM is a mechanical and electrical integration device with high sophistication. It uses magnetic code card or smart card to achieve self-service of financial transactions.
Key functions include: extracting cash, inquiring balance, transferring funds, cash depositing, check depositing, passbook updating, purchasing funds, changing the password, paying phone bill and other public expenses. 

E-Banking
ZTE e-banking includes four parts. They are public information services, personal Internet banking, enterprise Internet banking and internal management.
Public information services provide financial calculators, interest rate tables, financial laws and regulations, the latest financial information, operational guidelines of Internet banking, feedback, etc. These services can be used without user’s login.

Personal Internet banking provides account management, trading, investment and financial management.
Enterprise Internet banking provides account management, user management, collection business, payment business, loan business, investment business, value-added business. 
Internal management provides bank clerk management, corporate customer management, individual customer management, public information service management, log management, automatic billing, certificate management, parameter maintenance. 

 Mobile Banking
ZTE Mobile banking mainly has some functions including inquiry of account balance, inquiry of historical transaction information of account, changing password of account, reporting the loss of card, appointment of withdrawing large cash, fund transfer business, payment business using agent.
This system is easy to operate and has high security because of equipping multi-level user authentication, and can achieve 24-hour service.

Credit Card Management System
ZTE credit card management system is a customer-centric application system, and can provide many functions, which are assessing management of customer credit, cyclical credit management, card management, financial management, customer’s information management, authorizing management of online transaction, security management, and collection management.

Credit Information System
ZTE credit information system aims at improving efficiency, dynamically monitoring and preventing risk, and helps banks to quickly establish a comprehensive, high-level credit management system.
Its functions mainly include customer management, business management of credit, risk management of credit, asset management of credit, report forms management of credit, maintenance of credit system.

Financial data warehouse system
ZTE financial data warehouse system integrates all internal and external data sources of financial institutions to build a unified enterprise-wide data view. It can provide intelligent applications, covering reports, queries, statistics, analysis and digs, for operators, managers and decision staff of financial institutions. And it also uses advanced data warehouse technology to establish centralized and intelligent solutions that include detailed transaction data.

Financial Management System
ZTE financial management system includes general ledger management, fixed asset management and handling management.
General ledger management achieves the concentration of financial data and multi-dimensional statistics. According to the logical relationships between historical data and business, it estimates the budget of cost.
Fixed asset management achieves the management of bank's fixed assets, intangible assets and deferred assets, and transfers financial data of fixed assets to general ledger and provides inquiry and report of fixed assets.
Handling management achieves management of the expense reimbursements, invoices and payments.

Benefits for Banks