Since the implementation of the deposit insurance regulations on May 1, 2015, China has officially established a deposit insurance system. The deposit insurance system is an important part of the financial safety net. It plays a very important role in protecting the rights and interests of depositors, promoting the formation of a market-oriented risk prevention and disposal mechanism, strengthening market discipline, establishing a long-term mechanism for the stability of the financial market and enhancing the public's confidence in China's banking system.
In 2021, the people's Bank of China officially issued the deposit insurance information system access interface specification for the same depositor's business, requiring all commercial banks to report deposit insurance information data in strict accordance with the interface specification. Recently, the deposit insurance fund management company issued the notice on the promotion of the same depositor information management function of the deposit insurance information system, which clearly promotes the same depositor information management function of the deposit insurance information system throughout the country.
Complete the system transformation before the end of March 2022, and report the completion of interface development to the contact person of the sub center. Joint commissioning and testing will be organized from April to July 2022, and trial submission will begin in August.
The collection mode is related to the nature of the data table. According to the nature of the data table itself, it can be divided into two types of structured data files.
Table 1: Same depositor data message
Table 2: Data message of the same bonder
Interface direct connection: the insurance institution shall use TongLINK/Q V8.1. The message middleware realizes the batch message exchange of relevant data information of the same depositor with the people's Bank of China.
Non interface interlinkage: for insurance institutions with less than 65000 data in a single report of the same depositor, data information can be submitted by directly uploading excel and other format files on the page of the deposit and insurance system.
Security design: data shall be encrypted and signed, and the encrypted data shall comply with ASN 1 structure, state secret algorithm.
Requirements for message size: the data file of a single message shall not exceed 5m. If it exceeds 5m, it shall be split according to the number of data pieces.
Message format requirements: there are 2 message types in total, and each type of message is compressed into one.zip file, the A.zip file can contain multiple .txtfile, and The .zip file is encrypted and signed as .dat file.
1. The same depositor:
generally, the customer number is the unique identification Identify depositors with the same customer number in the commercial banking system as the same depositor; In the practice of commercial bank system construction Focus on solving the problem of one-to-one correspondence between customers and customer numbers; Due to various reasons, there may be more than one person, through the transaction and other aspects of comprehensive information Judge other information of customers and merge them prudently.
2. Senior executives:
the regulations stipulate that the deposits of senior executives of insurance institutions in this institution are not insured. "According to this provision and scope, the deposits of such customers in this institution shall be specially marked and directly screened from the merged data of the same depositor and reported separately.
3. Deposit business:
deposit product categories are divided into: demand deposit, time deposit, fixed and flexible deposit, call deposit, agreement deposit, agreement deposit, margin deposit, structured deposit, large amount certificate of deposit and other deposits according to the statistical caliber.
4. Submission processing:
the zero balance deposit account needs to be filled in. Foreign currency deposits shall be converted into RMB at the middle rate of the exchange rate on the last trading day of each month published by the China foreign exchange trading center.
5. Corporate business:
The certificate type and number of the legal representative (person in charge of the unit), the legal representative (person in charge of the unit) shall be filled in according to the information retained when handling the deposit account, and shall be updated in time in case of any change;
For special accounts such as non real name accounts, long-term suspended accounts, remittances to be remitted and remittances to be remitted, if they still cannot reach specific deposit customers after due diligence, they can be classified into one account according to type;
Deposit account type: basic deposit account, general deposit account, special deposit account, temporary deposit account and others.
6. Private business:
The types of account opening certificates include: ID card, residence booklet, passport, officer's certificate, soldier's certificate, permit for Hong Kong and Macao residents to travel to and from the mainland, permit for Taiwan residents to travel to and from the mainland, temporary ID card, Alien Residence Permit, police officer's certificate, business license of individual industrial and commercial households, residence permit for Hong Kong, Macao and Taiwan residents, and other certificates;
Deposit status is divided into: normal, dormant, contract restriction and judicial restriction;
There are three types of deposit accounts: class I, class II, class III and others.
1. Data management
Flexible data supplementary recording: data can be supplementary recorded on the online interface and imported in batches in offline excel.
Display list configurable: data query display column name configurable, display order configurable and sorting by field.
Message positioning module: directly report and feed back the specific message positioning field, and directly report the error.
2. Data verification
Prompt verification
Basic verification: code value verification, length verification and value verification
Data integrity verification: non null verification and consistency verification
Mandatory verification
Logic verification: total score verification, correlation verification and value comparison verification
Code specification verification: special character verification, date format verification, etc
3. Data mark
Data processing: record the operation logs of user's addition, modification, submission, approval, deletion and data download in detail;
Data modification: view the values of data records before and after modification with data as a dimension;
Data comparison between previous and next periods: display the difference between the data submitted in this period and the previous period.
4. Email notification function
You can customize and configure the email notification template, and email notification at each business point.
In the nine years since its establishment, RIKING has provided mature and reliable regulatory compliance solutions for hundreds of financial institutions at home and abroad. In the future, RIKING will work for more partners to jointly promote the digital development of regulatory technology and improve the quality of financial services. If you have relevant data submission business needs, you can call directly for more details. We will provide policy consultation, system development, technical support and other services according to your needs.
Tel: 400-921-0806
