国际贸易结算是银行业中一种必不可少的业务，占据着重要的地位，而且随着电子商务的发展，其重要性也越来越突出。但是，这一业务的计算机化相当困难。主要原因是：操作流程复杂；组合变化太多，对灵活性有很高要求；涉及面相当广，几乎涉及银行的每一个业务品种，是一个压缩版的银行系统。因此，开发这样的系统必须采用先进的而且较为合适的方法和技术。文章提出了以构建半成品构件系统为总体思想的开发方法；在设计和实现上，提出了以数据总线为统一接口，以菜单/功能图标为总控主体框架，以基本业务操作为基本组件，并能把基本组件包装裁剪成可在主体框架控制下运行的功能构件，这样构建的系统可按实际需要进行组装、剪裁、参数设定、重新包装或经少量改写而形成一个实际可运行的系统。并提供了与银行总系统集成的灵活接口，具备了向网上银行和分布系统发展的良好基础。

While being an essential business in banking industry and its important role in banks getting more and more prominent with the coming of E-commerce era, the computerization of bank's international trade financing is considerably difficult. The difficulty comes from the complicated operation process, the variety, and dynamic requirement of flexibility of the business, which make it almost a mini-banking system itself. The appropriate and sophisticated software method and technology are needed to build a computer system of this kind. This paper presents a methodology based on semi-finished component model, and addresses a technique to design and implement the system. The technique is featured by building system on a standardized data bus interface, a system framework with menu/icon GUI for general controlling, and clusters of basic object components for elementary business. The basic object components can be grouped, wrapped, assembled into main frame and customized to produce a runnable system for a specific application or adapted to business changing. It also provides a flexible interface for integration with general banking systems and a sound foundation for distributed network banking systems.