In the modern economic system, enterprises are the biggest shortage of funds and need to inject funds from other economic sectors. There are two main financing channels: First, indirect loan financing through banks, including short-term loans and long-term loans. For example, if an enterprise has short-term capital needs during the production and operation process, in order to ensure the normal operation of production and operation activities, it can apply for a short-term working capital loan from the bank, which can take as little as a few days or as long as a few months; if the funds required have a longer period of use, , you can apply for a medium-term working capital loan with a term of one to three years. As an efficient and practical financing method, working capital loans have the characteristics of short loan period, simple procedures, strong turnover and low financing costs, so they have become a popular banking business among enterprises. The number of corporate loans will also affect bank credit and social capital flows. When companies apply for more loans from banks, through the action of the money multiplier, the amount of credit money in the entire society will double. The second is direct financing in the financial market, that is, the party with a shortage of funds directly forms a creditor-debt relationship with the party with a surplus of funds through financial instruments for financing, such as using commercial credit, issuing stocks, corporate bonds, etc. For example, the development of my country's stock market since the 1990s has provided conditions for corporate stock financing. In 2010, listed companies on the Shanghai Stock Exchange raised a total of 553.214 billion yuan through stock issuance, ranking fourth in the world. System analysis is to conduct a comprehensive investigation and analysis of the current financial business system within the scope determined by the system design mission statement and according to the plan, and give a logical description of the various workflows and processing functions in the current business, that is, give the current The logical model of the system; at the same time, the functional requirements of the new system are extracted from the analysis of the results of the investigation and research, and a logical description of the functional requirements of the new system is given. In addition to the various functions of business processing, these requirements should also include the hardware environment for the new system to run. If the required hardware environment is new equipment, a "Computer System Selection Report" should also be submitted for ordering after approval. . The basic task of the system analysis stage is to logically analyze the current banking system and design a new system through investigation and analysis. This stage is a critical stage in the construction of the entire system. The quality of its work will have a decisive impact on the construction of the entire system. influence.

After the system analysis phase is over, the functions of the new system are basically determined. At this time, the results of the system analysis must be compiled into a "System Function Specification". As a necessary document for system construction, it mainly focuses on business processing. From the perspective of describing the logical structure of the system. Therefore, it is a document jointly committed by business departments and technical departments, and is also the basis for review and external coordination by higher-level management departments.