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Trng H Ngoi Thng CS 2

Mn: ng dng CNTT trong TC-NH
BI THU HOCH NHM

1. L Minh Tn 1101036165
2. Nguyn on Mai Hong 1101025047
3. Hong Gia Hng Ph 1101036141
4. Trn Thanh Hong Kim 1101036095

CH : ORACLE FLEXCUBE

I.

GII THIU ORACLE FLEXCUBE

Oracle FLEXCUBE l mt gii php ton din, cung cp cho cc hot ng ngn hng doanh nghip, bn
l v u t mt mi trng x l d liu thng nht vi thit k m-un c kh nng thch ng v o lng
cao. Oracle FLEXCUBE c thit k em li cho cc t chc tn dng tnh linh hot, c th d dng
p ng cc nhu cu ca th trng v cho php cc ngn hng tng cng hiu qu hot ng ca ton h
thng.
Oracle FLEXCUBE c kh nng kim sot ri ro v gim st hiu qu, gia tng hiu qu hot ng v
mang li dch v chm sc khch hng ng tin cy. Oracle FLEXCUBE bao gm mt h thng nhiu
m-un chc nng cho php cc ngn hng chn ra mt tp hp cc m-un thch hp vi hot ng ngn
hng ca mnh.

Oracle FLEXCUBE l mt h thng a tin t c xy dng trn mt nn tng mnh m c kt

cu linh hot. H thng s dng mt trong nhng nn tng cng ngh tn tin v ng tin cy nht. Oracle
FLEXCUBE c pht trin da trn cu trc my ch/my con, ng dng c s d liu quan h Oracle
hoc DB2, cho php cc ngn hng t do la chn nn tng phn cng t UNIX, IBM hoc Windos NT/
Windows 2000. Mt h thng x l giao dch trc tuyn cao cp c th p ng hiu qu cc giao dch bn
l c khi lng ln.
Oracle FLEXCUBE c h thng h tr ngn ng quc gia (NLS), c 2 mc c s d liu v
giao din. Hin nay, Oracle FLEXCUBE h tr bn loi ngn ng trn giao din gm: ting Anh, ting
Nht, ting B o Nha, v ting Rp.
II.

C IM ORACLE FLEXCUBE

Tnh linh hot thng qua tiu chun ha: thit k linh hot ca Oracle FLEXCUBE c th
hin qua phng tin nh danh c o ca n. c tnh ny cho php ngn hng t tn cho cc dch v
v thnh phn khc nhau ca sn phm, nhng ch cung cp cho tt c khch hng di dng mt sn phm
duy nht, t m bo khch hng c phc v bi mt dch v ng nht.
Cc mun thng nht vi nhau: cc b phn chc nng a dng ca Oracle FLEXCUBE c
xy dng trn tng Thit k da theo dch v. Ct li ca thit k ny l mt h thng cc dch v
thng dng gi l Core System. Tt c cc m-un chc nng ngoi vi u s dng cc dch v thng dng
c cung cp bi Core System ny.
D s dng: Oracle FLEXCUBE cung cp cho ngi dng mt giao din ha thn thin v
trc quan. Phn mm ca my con c thit k da theo Windows v trnh duyt ngoi vi. Hu ht cc
thao tc, ngoi tr nhp d liu, u s dng chut vi tnh.
Thay i t chc linh hot: nh tn gi ca mnh, mc ch thit k nn tng ca Oracle
FLEXCUBE l cho php vic st nhp nhm p ng nhu cu a dng v khng ngng thay i ca th
trng. Oracle FLEXCUBE l mt ng dng c thit k c th d dng p ng cc thay i ny
bng cch thit lp v ti thit lp cc sn phm khc nhau v cc thng s ton cu m khng i hi phi
thay i phn mm hoc thng s tng qut ca sn phm.
Bo mt: H thng qun tr an ninh (Secutity Management System SMS) ca Oracle
FLEXCUBE tun theo cc chun mc ca ngnh. Ton b h thng hot ng ca Oracle FLEXCUBE
u trin khai trong iu kin an ninh cao v hu nh khng th xm nhp.
Quan h khch hng: Oracle FLEXCUBE bao gm mt h thng thng tin khch hng (Customer
Information System CIS) phc tp, em li quan h khch hng ch thc. Thng tin chi tit ca tt c
khch hng (thng tin c nhn, nhn khu hc, cng vic, tnh hnh ti chnh, thng tin doanh nghip...etc )
c lu tr mt cch thit yu trong trung tm ca CIS. H thng c th cung cp trng thi quan h khch
hng, bao gm thng tin ca tt c cc ti khon c lin quan n khch hng.

 Giao dch chuyn khon lin mch thng qua h thng a knh: Oracle FLEXCUBE h tr
dch v ngn hng trc tuyn 24/7 tin li cho tt c cc giao dch ngn hng c nhn thng qua nhiu knh
giao dch nh chi nhnh ngn hng, my ATM, my POS, th debit, h thng SWIFT, tng i in thoi
v intenet. Oracle FLEXCUBE c thit k c th duy tr hot ng ngay c khi xy ra li kt ni.
Khi h thng vin thng khng hot ng, Oracle FLEXCUBE c th x l cc giao dch ngn hng c
nhn ch ngoi tuyn (off-line). Tt c cc giao dch c thc hin ngoi tuyn c lu tr trong
h thng v s t ng cp nht ln my ch x l khi lin kt hot ng tr li. Kh nng hot ng
ngoi tuyn gn lin vi chc nng qun l d liu thng minh gip duy tr tnh chnh xc ca d liu.
H tr ngn ng: Oracle FLEXCUBE l mt h thng a ngn ng, s dng chc nng phin
dch Oracle Translation Manager v cc tnh nng khc h tr dch v a ngn ng.
Chc nng thi gian thc (Real-time information): H thng thng tin a tng cho php ngi
dng khai thc thng tin ca ti khon hoc hp ng t thng tin khi qut cho n cc thng tin chi tit
ca ti khon hay hp ng .
Giao din linh hot: Oracle FLEXCUBE h tr nh dng chun mc ISO 8583, m bo h tr
tt c cc loi chuyn i ATM ging nhau. H thng cn h tr cho cc cuc gi tiu chun API c cc
ng dng bn ngoi ca ngn hng s dng tng tc trc tuyn vi Oracle FLEXCUBE. Oracle
FLEXCUBE cn cho php cc mc ti chnh c ng ti hng lot t mt h thng bn ngoi.
H tr a php nhn: Oracle FLEXCUBE c th nh danh nhiu php nhn khc nhau trong h
thng. Oracle FLEXCUBE h tr nhiu ng ni t khc nhau cho tng ngn hng (php nhn). Ngoi
ra, h thng cn h tr cc ngn ng a phng khc nhau cho cng mt biu mu ca ngn hng. Oracle
FLEXCUBE h tr chy nhng nhm khc sau song song cho nhiu ngn hng khc nhau.

III.

CHC NNG CHNH

Oracle FLEXCUBE cung cp mt phm vi y ca cc m-un chc nng dnh cho Ngn hng
Bn l. B phn ny cung cp mt danh sch tt c cc m-un c nh hng bi Oracle FLEXCUBE v
c lin quan n b phn iu khin bng tay c xc nh ca ngi dng (user).
Cc giao dch ng vi cc m-un c th c phn loi rng ri bng s xc nh cc giao dch v
bo dng vn hnh/giao dch. mt cp rng hn, bo tr c mt tc ng phi ti chnh v cc giao
dch dn n cc tc ng ti chnh. V bn cht ca ngi dng l s dng bo tr vo giao dch theo cc
cch khc nhau v t iu chnh tng phn sao cho ph hp vi vic s dng.
Core Modules bao gm:
Thanh ton b tr;
S ci;
H thng thng tin khch hng;
H thng thng tin qun tr;
Bo co.
Common Facilities bao gm:
Qun tr hng tn kho;
Chuyn vn;
Ph dch v;
Qun tr NPA;
Qun tr ti sn th chp;
4

 Thu thp giao dch M-un ny c s dch theo di vic trin khai cc ti khon b sai phm.
Tip tc duy tr ghi chp v khch hng bao gm chi tit cc hot ng thc hin, kt qu hot ng, cc
hot ng tip theo d on s thc hin, vv
Consumer Lending Suite bao gm Ti khon n bn l.
Deposit Accounts bao gm:
- Ti khon tit kim v ngn hn;
- Ti khon tin gi lin tip;
- Tin gi k hn v Chng ch tin gi.
Application Security.
IV.

LI CH

ng dng Oracle FLEXCUBE bao gm nhiu t quy trnh gip to ra khi lng cng vic ln.
Lng cng vic ny lin quan n CPU v d liu. S nht qun cao v lng cng vic yu cu sc cha
b nh vi H thng khu vc ton cu (SGA) ln v Chng trnh khu vc ton cu (PGA) c kh nng
thc hin vic nhp/xut (I/O) a tc cao. H thng Oracle Engineered c thit k vi siu nng lc
k thut qun tr lng cng vic khng l ny.
H thng Oracle Engineered c th gii quyt gp hai ln s lng user trn mi li so vi cc dch
v chuyn ti khc m khi chuyn ti lng ln th cn phi b sung hay cp nht thm cc ng dng cho
ngi dng trong sut thi gian pht trin v m rng.
Linear Scaling d dng h tr lng ln cng vic cn thc hin.
Resource Manager c th gip hp nht cc d liu v cc mi trng ng dng bi s kim sot ca
vic s dng CPU, qun tr CPU contention thng qua instance caging, s dng kim sot s nhp xut a,
v qun tr contention thng qua s ti nguyn IORMs inter-database. Khch hng c th thc hin
c nhiu giao dch hn khi s dng li Exadata so vi cc server khc.
Exalogic cn c iu chnh ci thin cc cng ngh c bit nh Single-Root I/O Virtualizatio n
loi b cc qu trnh o ha lc u v chuyn ti tin trnh ti a. Nhim v chnh ca server o ha c
th cung cp mt cp hp nht hon ton mi khi cc my a nh c chia s mt server vt l n
ti a ha s hu dng ca phn cng server, v ti thiu ha chi ph pht sinh.
Mu Oracle VM cho Exalogic gim thiu s ri rc tng phn v sp xp thi gian cho php khai
thc nhanh cc ng dng ca Oracle FLEXCUBE.
Khch hng ca Oracle FLEXCUBE c th np cn bng web v to lp cc server, sp xp cc tin
trnh ph hp song song vi nhau v sp xp Oracle RAC v Oracle Data Guard t tnh sn sng cao.
Oracle Enterprise Manager Cloud Control (EM) gip qun l Exadata v cung cp gc nhn phc hp
ca tt c tnh trng ca indicators ca mt thit b hoc mt nhm thit b chn on v sa cha cc
vn lin quan n vic thc hin cng vic hiu qu.

Bng di y s tm tt cc li ch k thut ca vic s dng Oracle FLEXCUBE trn Oracle

Engineered Systems, v cch chng chuyn thnh li ch kinh t:
LI CH CNTT

LI CH KINH DOANH

Tnh hu dng cao

Oracle Engineered Systems c thit k km ti liu

Ti a ha hiu sut t cc quy trnh

c thit lp sn gim thiu ti a thi gian cht.

nhim v lin tc quan trng;

Gim thiu s ri lon trong nhim v;

Gim thiu ri ro khng tr n;

Gia tng s tun th quy nh.

Tt hn, quyt nh ng thi im v d

Tnh thc hin cao

Tun theo cc tha thun dch v theo cp ;

Gim thiu kinh ph s hu da vo vic gim thiu

vic cn n nh pht trin hay s t vn ca bn th

liu chnh xc gn vi s liu thc t;

ba iu chnh ng dng theo mun.

Tng tnh cnh tranh vi cc gii php

gii quyt vn nhanh hn v c hi
pht trin mi;

Mi nhn vin c th s dng ng dng

m lc trc khng th;

Ci thin quy trnh kinh doanh v hiu

sut ca nhn vin nh vic ci thin ng
k tc phn hi ca user;

Kh nng cung cp nhiu sn phm, quy

trnh giao dch, phn hi thay i
nhanh nh vic gim hoc loi b thi
gian ca cc t quy trnh cho cc ng
dng ct yu;

Tng c hi doanh thu nh vo bn cho

CRM, t s tha mn ca khch hng
nh vo vic giao dch v ng thi gian;

Gim chi ph s hu pht sinh t vic bo

tr cc ng dng ti sn khc nhau.

Kh nng m rng

Oracles Engineered Systems c th lc tng user

v khi lng giao dch;

Hp nht cc trng hp;

M rng ton cu;

Hiu qu, nhanh, chi ph thp, ng ha
trong sut qu trnh Mua bn v st nhp.
6

Tng n v thng mi, user hoc giao dch m

khng cn lo lng v s thi ha cht lng.

Chun ha

S dng n gin;

H tr lin tc v chia tch vn .

V.

Gim chi ph s hu.

THC TRNG TRIN KHAI ORACLE FLEXCUBE TI VIT NAM

B thc y bi mi trng kinh doanh pht trin nhanh v cnh tranh khc lit, cc t chc ti chnh,
ngn hng phi p dng cng ngh ngn hng li cho php chuyn i chin lc m khng lm gin on
hot ng hin hnh. H thng li ny phi tng thch vi cc khon u t CNTT hin c loi b c
o thng tin v to ra mt c s h tng thng nht t u cui n u cui da trn dch v. Cc ngn
hng cn h thng mi, c kh nng trao quyn cho cc chi nhnh thng qua mt c s h tng tch hp v
cc qu trnh lin kt vi mc tiu chin lc.
Cng ngh l mt trong nhng tr ct cho chin lc tng trng, v th, chng ti cn mt gii
php c th cung cp c tnh nng v kin trc nhanh chng b sung thm cc sn phm mi cng nh
thu ht thm nhiu khch hng mi v gip tng trng li nhun, ng V Vn Khang, Ph Ch tch ngn
hng Vit trao i.
p ng c nhng mong mun , core banking th h tip theo trc ht phi ci thin ng
k lu lng v cht lng thng tin. tng tc v tnh chnh xc ca vic ra quyt nh, h thng ca
ngn hng phi c sp xp hi ha v hp nht thng tin to ra mt c s h tng c kh nng phn
tch ton din. Bn cnh , ng dng li mi phi ti u ha gi tr cho khch hng. Thng qua mt kin
trc tng th, cc ngn hng c th a n cho khch hng quyn cung c cp dch v ng lc kt hp
vi quyn la chn knh cung cp tng li nhun. Cng ngh tip theo cng thit k cc ng dng li
ti kin trc hng dch v (SOA). Sc mnh ca CNTT c th hin r rng khi to ra s linh hot nhiu
ty chn da trn kin trc SOA. Do , cc ngn hng ang coi SOA l mt cu cnh.
Cng ngh ang l v kh cnh tranh ca cc ngn hng, nn vic la chn gii php no, cng ngh
no ph hp v hiu qu vn l s cn nhc ca cc ngn hng. Khng t ngn hng ti Vit Nam s
dng Oracle FLEXCUBE Core Banking. ng A Srinivasan cho bit: Cc ngn hng trn th gii la
chn Oracle FLEXCUBE v kh nng gip h chuyn i sang kin trc mi vi tnh nng cao trong thi
gian ngn nht c th, cng vi vic h tr khch hng mnh m. Chng ti cng tm cch gii quyt, p
ng nhu cu ngy cng pht trin, cc quy tc v lut l ngn hng ti Vit Nam bng cch em n gii
php Oracle FLEXCUBE c a phng ha cho cc ngn hng trong nc v ang nhn c hi
m tch cc t th trng ny.
c 15 ngn hng ti Vit Nam nh: ngn hng ng , Habu, i Dng, Nam , Vit-Nga,
Tin Phong, la chn gii php ngn hng li Oracle FLEXCUBE chuyn i quy trnh kinh
doanh. Kt qu, cc ngn hng rt ngn c thi gian trin khai, tiu chun ha da theo cc nhu cu
7

kinh doanh ph bin, v gi y sn sng tin n cng ngh ngn hng th h mi nhm ti u ha
hot ng, to bc pht trin nhanh chng.
Hin nay c khong 325 khch hng ti hn 115 quc gia la chn ng dng Oracle FLEXCUBE.
N c nh gi l th h cng ngh tip theo (next-generation technology) ca gii php ngn hng li,
c thit k gip ngn hng t c mc tiu chin lc. Nhiu ng dng li ngn hng ca IBM v
cc hng ln khc cng ang thm nhp th trng Vit Nam, to ra nhiu s la chn cho cc ngn hng
trong nc ng dng cng ngh mi nht trong lnh vc ny.
Di y l bng nu mt s ngn hng s dng Oracle FLEXCUBE cho n nay:
S th t

Tn ngn hng

Nm s dng li Oracle FLEXCUBE

ng

2014

Si Gn Thng Tn

2013

i Chng Vit Nam

2010

Nam

2009

China Trust

2008

i Dng

2008

Lin Vit

2008

Xng du Petrolimex

2008

Tin Phong

2008

10

Cathay United

2005

11

Indovina

2005

12

Citibank

2002

13

Bc

14

Nh H Ni

15

Vit - Nga

16

Vit

VI.

KT LUN

Oracle FLEXCUBE thc s tr thnh mt b phn v cng quan trng ca hng trm ngn hng
v t chc trn ton th gii ni chung v Vit Nam ni ring. l bi v nhng tnh nng ton din, tch
hp, v thit k theo tng m-un. Oracle FLEXCUBE c th c trin khai linh hot h tr tt c
cc cng ngh v mc tiu kinh doanh. Vi gii php ny, cc ngn hng c th gim chi ph vn hnh,
thit lp mi quan h khng kht vi khch hng v gim thi gian a dch v mi ra th trng. ng dng
li ny to hiu qu cao trong tc nghip yu cu tun th khi x l khi lng giao dch ln v p ng
8

mong i ca khch hng. y l th mnh gip cc ngn hng c th vt qua i th cnh tranh, ng
thi s a th trng ti chnh Vit Nam ln mt tm cao mi.

TI LIU THAM KHO

1. Oracle, 2008, Oracle FLEXCUBE connect, http://www.oracle.com/us/industries/financialservices.
2. Oracle,

2013,

Introduction

User

manual,

http://docs.oracle.com/cd/E52128_01/PDF/UserManual.
3. Oracle,

2013,

Oracle

FLEXCUBE

Direct

Banking,

Engineered

Systems,

http://docs.oracle.com/cd/E50108_01/PDF/UserManual.
4. Oracle,

2013,

Oracle

FLEXCUBE

for

http://www.oracle.com/us/industries/financial-services/.

ORACLE