编写c++代码以现实中银行卡为原型，进行需求调查，抽象出相应的类，设计类的成员函数和数据 成员，完成银行账户管理系统。编写程序，帮助工作人员有效、准确并且高校的完成存取事 件。（系统主要完成开户管理，存取钱管理，修改密码，注销等功能）

以下是我实现的代码，其中包括了银行账户管理系统的基本功能：

#include<iostream>
#include<string>
using namespace std;

// 银行账户类
class BankAccount {
private:
    string user_name;   // 用户名
    string account_num; // 账户号码
    string password;    // 密码
    double balance;     // 余额

public:
    // 构造函数
    BankAccount(string user_name, string account_num, string password, double balance = 0.0) {
        this->user_name = user_name;
        this->account_num = account_num;
        this->password = password;
        this->balance = balance;
    }

    // 获取用户名
    string getUserName() {
        return user_name;
    }

    // 获取账户号码
    string getAccountNum() {
        return account_num;
    }

    // 存款
    void deposit(double amount) {
        balance += amount;
        cout << "存款成功，当前余额为：" << balance << endl;
    }

    // 取款
    void withdraw(double amount) {
        if (balance >= amount) {
            balance -= amount;
            cout << "取款成功，当前余额为：" << balance << endl;
        }
        else {
            cout << "余额不足，取款失败" << endl;
        }
    }

    // 修改密码
    void changePassword(string new_password) {
        password = new_password;
        cout << "修改密码成功" << endl;
    }

    // 注销账户
    void closeAccount() {
        balance = 0.0;
        cout << "账户已注销" << endl;
    }
};

// 银行账户管理系统
class BankAccountManagementSystem {
public:
    // 开户
    static void openAccount() {
        string user_name, account_num, password;
        cout << "请输入用户名：";
        cin >> user_name;
        cout << "请输入账户号码：";
        cin >> account_num;
        cout << "请输入密码：";
        cin >> password;
        BankAccount account(user_name, account_num, password);
        accounts.push_back(account);
        cout << "开户成功" << endl;
    }

    // 存款
    static void deposit() {
        string account_num;
        double amount;
        cout << "请输入账户号码：";
        cin >> account_num;
        bool found = false;
        for (int i = 0; i < accounts.size(); i++) {
            if (accounts[i].getAccountNum() == account_num) {
                found = true;
                cout << "请输入存款金额：";
                cin >> amount;
                accounts[i].deposit(amount);
                break;
            }
        }
        if (!found) {
            cout << "账户不存在" << endl;
        }
    }

    // 取款
    static void withdraw() {
        string account_num;
        double amount;
        cout << "请输入账户号码：";
        cin >> account_num;
        bool found = false;
        for (int i = 0; i < accounts.size(); i++) {
            if (accounts[i].getAccountNum() == account_num) {
                found = true;
                cout << "请输入取款金额：";
                cin >> amount;
                accounts[i].withdraw(amount);
                break;
            }
        }
        if (!found) {
            cout << "账户不存在" << endl;
        }
    }

    // 修改密码
    static void changePassword() {
        string account_num, password, new_password;
        cout << "请输入账户号码：";
        cin >> account_num;
        bool found = false;
        for (int i = 0; i < accounts.size(); i++) {
            if (accounts[i].getAccountNum() == account_num) {
                found = true;
                cout << "请输入原密码：";
                cin >> password;
                if (password == accounts[i].getPassword()) {
                    cout << "请输入新密码：";
                    cin >> new_password;
                    accounts[i].changePassword(new_password);
                }
                else {
                    cout << "密码错误" << endl;
                }
                break;
            }
        }
        if (!found) {
            cout << "账户不存在" << endl;
        }
    }

    // 注销账户
    static void closeAccount() {
        string account_num, password;
        cout << "请输入账户号码：";
        cin >> account_num;
        bool found = false;
        for (int i = 0; i < accounts.size(); i++) {
            if (accounts[i].getAccountNum() == account_num) {
                found = true;
                cout << "请输入密码：";
                cin >> password;
                if (password == accounts[i].getPassword()) {
                    accounts[i].closeAccount();
                    accounts.erase(accounts.begin() + i);
                }
                else {
                    cout << "密码错误" << endl;
                }
                break;
            }
        }
        if (!found) {
            cout << "账户不存在" << endl;
        }
    }

private:
    static vector<BankAccount> accounts; // 存储所有银行账户
};

// 初始化静态成员变量
vector<BankAccount> BankAccountManagementSystem::accounts;

// 主函数
int main() {
    int choice;
    do {
        cout << "请选择操作：\n"
            << "1. 开户\n"
            << "2. 存款\n"
            << "3. 取款\n"
            << "4. 修改密码\n"
            << "5. 注销账户\n"
            << "6. 退出\n";
        cin >> choice;
        switch (choice) {
        case 1:
            BankAccountManagementSystem::openAccount();
            break;
        case 2:
            BankAccountManagementSystem::deposit();
            break;
        case 3:
            BankAccountManagementSystem::withdraw();
            break;
        case 4:
            BankAccountManagementSystem::changePassword();
            break;
        case 5:
            BankAccountManagementSystem::closeAccount();
            break;
        case 6:
            cout << "退出程序" << endl;
            break;
        default:
            cout << "无效操作" << endl;
            break;
        }
    } while (choice != 6);
    return 0;
}

在这个程序中，我们首先定义了一个银行账户类 `BankAccount`，包括了用户名、账户号码、密码和余额等成员变量，以及存款、取款、修改密码和注销账户等成员函数。然后我们定义了一个银行账户管理系统类 `BankAccountManagementSystem`，其中包括了开户、存款、取款、修改密码和注销账户等功能。最后我们在 `main` 函数中调用这些功能来实现整个银行账户管理系统。

在程序运行时，我们会先输出一个菜单，让用户选择要进行的操作。然后根据用户的选择，调用相应的功能函数来完成对应的操作。如果用户输入的操作无效，则输出提示信息并重新输出菜单等待用户再次选择。