The present invention discloses a
system for solving the data resource hot spots accessing problem, which include: a
system host computer, for executing the limit initialization setting, the limit control, the limit aggregation or limit regulation operations according to instruction received from the service accept and hear terminal; a service accept and hear terminal, for receiving the business application initiated by the customers or tellers through
Internet bank, telephone
bank, counter, self-service terminal; the service accept and hear terminal is connected with to the
system host computer through network. Meanwhile, the invention discloses a method for solving the data resource hot spots accessing problem. The use of this invention can not only satisfy the data resource limit control requirement, wherein, the
data resources can be accessed by a plurality of users simultaneously, the different point-of-sales share a same limit of resources, thereby reducing
data access collision and preventing the emergence of hot spots; but also can have a maximize utilization to the limit resources.