bev.商業(yè)財(cái)務(wù)管理知識(shí)agu

/

海量免費(fèi)資料盡在此

Outlineofbusinessfunctionalrequirements

Thisoutlinesummarisesourunderstandingofthebank抯possiblebusinessfunctionalrequirements.

seqlevel0\h\r0

seqlevel1\h\r0

seqlevel2\h\r0

seqlevel3\h\r0

seqlevel4\h\r0

seqlevel5\h\r0

seqlevel6\h\r0

seqlevel7\h\r0

seqlevel0\r1\*ROMAN

I

. Overallapplicationsystemsarchitecture

seqlevel0\h\r0

seqlevel1\h\r0

seqlevel2\h\r0

seqlevel3\h\r0

seqlevel4\h\r0

seqlevel5\h\r0

seqlevel6\h\r0

seqlevel7\h\r0

tc\l0"002

seqlevel0\h\r0

seqlevel1\h\r0

seqlevel2\h\r0

seqlevel3\h\r0

seqlevel4\h\r0

seqlevel5\h\r0

seqlevel6\h\r0

seqlevel7\h\r0

seqlevel0\r1\*ROMAN

I

. Overallapplicationsystemsarchitecture"

Thesystemwillcoverthefollowing:

· 單獨(dú)標(biāo)識(shí)出客戶、帳戶、產(chǎn)品、公司客戶數(shù)據(jù)族separatelyidentifyCustomer,Account,ProductandCorporateUnit

· 記錄和維護(hù)客戶、帳戶和產(chǎn)品關(guān)系recordandmaintainCustomer,AccountandProductrelationships.

· 對(duì)多分行的支持multi-branch.

· 對(duì)多幣種的支持multi-currency.

· applicationprogramsinteractiveandselfprompting.

· seconduserauthorisationforspecifictransactionsorevents.

· 在平安日志文件中，保存完整的審計(jì)跟蹤信息fullaudittrailinformationinsecurejournalfiles

· customeradvicesproducedtoletterquality.

· copiesofadvicesandreportsretainedindocumentarchivesandretrievableon-line.

seqlevel0\r2\*ROMAN

II

. 統(tǒng)一的會(huì)計(jì)、報(bào)表和風(fēng)險(xiǎn)管理Consolidatedaccounting,reportingandriskmanagement

tc\l0"002

seqlevel0\r2\*ROMAN

II

. Consolidatedaccounting,reportingandriskmanagement"

seqlevel1\*ALPHABETIC

A

. 會(huì)計(jì)和總帳AccountingandGeneralLedger,including:

· 銀行定義的會(huì)計(jì)表bank-definableChartofAccounts.

· back-datedandvalue-datedtransactions.

· 本錢中心的會(huì)計(jì)（首先取決于業(yè)務(wù)模式）

對(duì)多幣種的支持costcentreaccounting.Multicurrency

GeneralLedger

Abilitytocreateparent-child(nested)relationshipsbetweenaccounts.Thesystemmustbeabletoaccommodatemultiplelayersofrelationships.

Allledgersshallbetightlyintegratedsuchthatachangetoasub-ledgerautomaticallyupdatesitsparentledger(s).

TheG/Lsystemmustprovideanauto-reconciliationfunctionforthesub-ledgersrelatedtoaparentledger.

seqlevel1\*ALPHABETIC

B

. VATandotherapplicabletaxationactivities,includingsupportforCRTandMIRAScalculationandreportingrequirements

seqlevel1\*ALPHABETIC

C

. Budgetingandfinancialreportingincludes:

· balancesheet

· profitandlossaccount

· netinterestmarginreport

· operatingexpensesandrevenueanalyses

· asset/liabilityanalyses

· transactionvolumeanalyses

· analysesoffeesandcommissions

AbilitytoreportandallocateP/L(profitability)atatransaction,customer,account,oranycombinationthereof.

Abilitytotransferchargebackandprofittoanyaccountand/orcost/profitcenterfromanyactivity.

seqlevel1\*ALPHABETIC

D

. 對(duì)人行和其他管制機(jī)構(gòu)的報(bào)告PBOCandotherregulatoryreporting

seqlevel1\*ALPHABETIC

E

. Managementreportingtoinclude:

· AssetandLiabilityManagementreporting,suchas:

- liquidity('gap')riskreports

- interestratesensitivityreports

- RiskAssetRatio(RAR)requirements

· Lendingandcreditmanagementreporting

· Cash-flowforecasting

seqlevel0\r3\*ROMAN

III

.

seqlevel1\h\r0

Productmanagement

tc\l0"002

seqlevel0\r3\*ROMAN

III

.

seqlevel1\h\r0

Productmanagement"

seqlevel1\*ALPHABETIC

A

. Productsshouldbe:

· 唯一標(biāo)始uniquelyidentified

· 由參數(shù)和產(chǎn)品組件來(lái)定義產(chǎn)品definedbyvariableparametersorproduct'components'

· 沒(méi)有程序員和操作介入就能維護(hù)產(chǎn)品maintainablewithoutprogrammeroroperatorintervention;

· 指定產(chǎn)品的起始日、到期日allocatedeffectivestartandenddates

· accessibleonlytoauthorisedusers(otherthanenquiry)

· 能夠支持大量的記息和收費(fèi)規(guī)則，變量是：客戶類型、帳戶組安排、工業(yè)門類、職業(yè)代碼、連帶關(guān)系abletosupportanumberofdifferentinterestandchargingrules(seesection5.below)dependingoncustomertype,accountgrouparrangements,industrysector/occupationcodeorcollateralrelationships.

seqlevel1\*ALPHABETIC

B

. Currentproductportfolioincludes:

· current(cheque)accounts

· demanddepositaccounts(with/withoutplasticcardaccess)

· trustor慹scrow’depositaccounts

· revolvingcreditsandlinesofcredit

· fixedandvariabletermloans(usingabsoluteorbaseinterestrates)

· termandnoticedepositaccounts

seqlevel1\*ALPHABETIC

C

. DemandDepositAccount(DDA)productsshould:

· beinterestbearingornon-interestbearing

· attractcreditinterestand/ordebitinterestonqualifyingbalances

· attractfeesand/orcommissionsaccordingtoqualifyingcriteria(e.g.balances,activities,orturnover)

· havelending(overdraft)limits,ifapplicable

seqlevel2\*arabic

1

. CurrentaccountsareDDAproductsforwhichtheprincipaltransactionmechanismisachequebook,withBACS-standardMICRorOCRcodeline.

seqlevel1\*ALPHABETIC

D

.

seqlevel2\h\r0

TimeDepositproductsshouldbefixedterm,variableorcallablesubjecttoanotificationperiod.

seqlevel1\*ALPHABETIC

E

. Lendingproductsshouldspecify:

· fixedterm,variableorcallablesubjecttoanotificationperiod

· repaymentbasisforattachedloans(i.e.interestonly,principalandinterest,principalonly,discounted,interest/chargesadded-on,Ruleof78ths)

· thenatureoftherepaymentschedulerequired

· standardcriteriaforexcess,defaultandpast-due

· collateralsecurityrequirements

· calculationandquotationofAPRs

seqlevel0\r4\*ROMAN

IV

.

seqlevel1\h\r0

Product-independentparametersandrules

tc\l0"002

seqlevel0\r4\*ROMAN

IV

.

seqlevel1\h\r0

Product-independentparametersandrules"

seqlevel1\*ALPHABETIC

A

. 中心參數(shù)和規(guī)則表，用以建立產(chǎn)品、客戶、帳戶信息Centralparameterandruletablesestablishedindependentlyofproduct,customerandaccountinformation,suchas:

· interestratestructures

· feeandcommissionstructures(chargingrules’),includingrepeatablecharges’

· softcommission’rules

· dataclassificationparameters(e.g.industryclassifications,occupationcodes,currencies,loanriskorprovisiongrades,warningandstatuscodesetc.)

seqlevel1\*ALPHABETIC

B

. Interestandchargingrulesandvalues,althoughdefinedcentrallyandallocatedasdefaultproductcomponents,variableattheaccountlevelbyauthorisedusers.

seqlevel1\*ALPHABETIC

C

. 利率規(guī)則應(yīng)該包括：Interestraterulesshouldinclude:

· whethercreditordebitinterestorboth

· accrualandchargingfrequencies

· accrualcalculationbasis(actualcalendardays,360-dayyear,30-daymonthlyperiods,calendarmonthlyperiods).

· thebasisonwhichthequalifyingbalanceforinterestaccrualwillbedeterminedorcalculated,i.e.actual,averageormaximum/minimumbalance

· singleormultipleinterestrates(debitorcredit)applicable

· multipleratesappliedoneither'tiered'or'banded'basis,withthresholds

· interestratesasabsolutepercentageorbaserateplus/minusmargins

Abilitytosetproductfeeswithspecificbusinessrules,e.g.,additionalfeeschargedfordifferentclients,overdrawnaccounts,etc.

seqlevel1\*ALPHABETIC

D

. Chargingrulesshouldinclude:

· whetherbasedonthevalueortypeofeventorfacility

· calculationbasisi.e.fixedcharge(orscaleoffixedcharges);percentage(orscaleofpercentages)ofthevalueofthetransactionorevent.

· scaledchargesappliedon憈iered'or'banded'basis,appliedto'thresholds'inthechargingstructure

· whetherchargesareonregularperiodicbasis,event-keyedorad-hoc

· minimum/maximumvalues

seqlevel1\*ALPHABETIC

E

. Recordoperatingmandateandsignaturedetails,including

· supportfortelephoneandotherremotecustomerinstructions

seqlevel1\*ALPHABETIC

F

. Maintainuserprofilesforallauthorisedusers,whetherbank抯employeesorauthorisedcustomerswithexternalaccessfacilities

seqlevel0\r5\*ROMAN

V

.

seqlevel1\h\r0

Customerandaccountadministration

tc\l0"002

seqlevel0\r5\*ROMAN

V

.

seqlevel1\h\r0

Customerandaccountadministration"

seqlevel1\*ALPHABETIC

A

. 標(biāo)準(zhǔn)的客戶數(shù)據(jù)的定義Customerstanding(orstatic)dataderivedfromandmaintainedbyCOIN.

· accountsattachtoaCOINCustomerrecordandusethatcustomerstandingdata.

CustomerInformationProcessingandQuery

Abilitytoview360-degreerelationshipwithNCDST’scustomeracrosstheentirecustomerpositionand/ortransactionhistory,includingallcustomersinrelationship,accounts,products,aggregatebalancesandlimits.

Abilitytosegmentandaggregateallinformationbycustomertype,balances,daterange,typeofaccount,typeofcustomer,typeoftransaction,etc.

Supportforexistingaccountnumberoragreed-uponaccountnumberstandard.Accountnumbershouldsupportcheckdigitprocessing.Example:y-xxx-xxxwhere“y〞r(shí)epresentscheckdigitusingmode10convention.

Flexibleabilitytosearchforandidentifyclientinformationbyanyaccountparameter.

Imageofcustomersignatureshouldbepartofclientrecord.

seqlevel1\*ALPHABETIC

B

C. Accountadministrationrequirementsinclude:

· allaccountsattachtoaproducttoestablishdefaultrules(whichareoverrideable)foritsoperations.

Abilitytoassociateaflexiblelistofmandatoryinformationwithaccountnumber(correspondentdepository,customerID,checkdigit).

· supportforcleared,uncleared,andaccruedclearedbalances.

Hierarchicalstructureforaccountlimitsetting(e.g.,byclient,accounttype,product,branch,businessunit,etc.).

Abilitytostorereferencenamesubs—samecustomername,butdifferentsub-accounts.

· trustaccountsandother'beneficiary'accounts

· blockorstopspecificaccounts

· recordaccount-specificwarningcodes

· identify'dormant'orinoperativeaccounts

· identify慳ccountofficer’or憆elationshipmanager’

seqlevel1\*ALPHABETIC

C

. On-lineaccountenquiries,including:

· accountstatusreports

· transactionlists

· stoppaymentinstructions

· completebreakdownofinterestandcharges

· automatedaccountclosingprocesses

seqlevel1\*ALPHABETIC

D

. Accountstatementsshould:

· beproduced

- periodically,

- ad-hoc,

- whenaspecifiedactivityoccurs,or

- afteragivennumberoftransactions

· alsoreportbalancesofotheraccountsforthecustomer

· produceduplicateormultiplecopies

· includetextualdescriptionsoftransactiondetails

· provideothermessagestocustomers

seqlevel2\*arabic

1

. Detailednotificationsofinterestandchargesaccruedforanaccount(oraccountgrouping)andtobechargedatafuturedate,includingacompletebreakdownofthecalculationbasisforeachamountaccrued.

seqlevel2\*arabic

2

. User-defined,pre-formattedaccountadvicesproducedautomaticallyoronrequest,including:

· standardletters(e.g.interestratechanges)

· unauthorisedorexcessoverdraftadvices

· priornotificationofinterest/chargescomingdue/payable

· confirmationofreceiptoffunds

· deliveryofpaymentdocumentation

· otherad-hocadvices

seqlevel1\*ALPHABETIC

E

.

seqlevel2\h\r0

Supportthegroupingoftwoormoreofacustomer抯accountsforinterest,chargingandreportingpurposes:

· 憇oft’chargingarrangementsbasedupongroupedaccountpositionsandactivity

· producestatus,accrualandactivityinformationforanaccountgrouping

seqlevel1\*ALPHABETIC

F

. Recorda慸omicile’orreportingcorporateunitforcustomeraccounts.

seqlevel1\*ALPHABETIC

G

. Supportchequeaccountadministrationprocesses,including:

· generatingchequeanddepositbookprintinginstructions;

· recordingchequeanddepositbooksorderedandissued;

· trackingandverifyingserialnumbersofitemspresentedagainstissueddetails;

· recordingcustomers'stoppaymentinstructionsandmonitoringaccounttransactionstolocate'stopsuspects'

· monitorandreportonaccountactivityandhighlightunusualsituations

seqlevel0\r6\*ROMAN

VI

.

seqlevel1\h\r0

Customerlending

tc\l0"002

seqlevel0\r6\*ROMAN

VI

.

seqlevel1\h\r0

Customerlending"

seqlevel1\*ALPHABETIC

A

. Supportthefollowinglendingtypes:

· 固定期限的回款貸款fixedtermrepaymentloans;

· fullyfluctuating(debit/credit)currentaccountlending;

· revolvinglinesofcredit;

· 分期負(fù)款信貸instalmentcredit;

· 固定還款結(jié)構(gòu)的貸款loanswithirregularrepaymentcyclesoramounts(e.g.loanswithrepaymentholidaysorseasonallyvariablerepaymentcycles).

seqlevel1\*ALPHABETIC

B

. Recordandmonitorexposurelimitsandspecificlendinglimitsateachlevelwithinthebank/customerrelationship,i.e.customer,accountgroupingandspecificaccount.

seqlevel1\*ALPHABETIC

C

. Loanapplicationprocessing,toinclude:

· 捕捉所有貸款細(xì)節(jié)captureloanapplicationdetails

· 計(jì)算貸款利率和貸款回復(fù)calculateinterestratesapplicableandloanrepayments

· creditscoringfacilitiesforpersonalcustomerlending;and

· calculatekeylendingratiosfornon-personalcustomers

· deriveabank-definedgradefortheloanapplication

· recordprogressandstatusofloanapplicationsinprocessing

· producestandardcustomerloandocumentation

· recordcollateralsecuritiesofferedandtakeninrespectofloanapplicationsreceivedandgrantedloans

· produceinstructionsandadvicesforcollateralsecuritydocumentation

seqlevel1\*ALPHABETIC

D

. LoanAdministrationProcessingtocover:

· automaticallyrecalculateloanamortisationtablesafterratechangesetc.

· identifyandmonitorpast-duesitutations

· recordLoanProvisionorRiskGrade(forloanlossprovisioncalculations)

seqlevel1\*ALPHABETIC

E

. Customersafe-keepingregisterfacilities

seqlevel0\r7\*ROMAN

VII

.

seqlevel1\h\r0

Transactionmanagement

tc\l0"002

seqlevel0\r7\*ROMAN

VII

.

seqlevel1\h\r0

Transactionmanagement"

seqlevel1\*ALPHABETIC

A

. Supportthefollowinggenerictypesofcustomertransactions:

· deposits/withdrawals(includingcash)

· transfersbetweenaccounts

· transfersto/fromaccountsatotherbanks(viainterface)

· directdebitinstructions(initiated/received)

· standingorders

transactionreversals

· 'sweep'facilitiestoperformautomatictransfersto/fromaccounts

· bankcheque/draftissuing

· loandraw-downsormaturities

· loanrepayments(scheduled/unscheduled)

· timedepositplacementsandmaturities

· timedepositbreaks(full/partial)

· bureaudechangeactivities

· generatedtransactions(interestcharged/paid,feesandcommissions)

seqlevel1\*ALPHABETIC

B

. Transactionprocessingrequirementsinclude:

· createandmaintaintransactiontypesasparameteriseddefinitions

· usersamenddefaulttransactiondescriptionsoraddadditionaldetails,inmemorandumform,wheninputtingtransactionson-linetoacustomer抯account(toappearoncustomer抯statement).

· on-linetransactionauthorisation

· recordstoppaymentdetails

Abilitytoprocesstransactions,validateaccountstatus,stoppaymentswhencommunicationlinksbetweenbranchandHeadOfficehavebeendisrupted.Offlinemodeshouldbetransparentandrestartshouldbeseamless.

Abilitytoreferallnecessaryelementsoflargeenoughandhigh-risktransactionstosupervisorororiginalmakerforreviewandpotentialediting,withabilitytoenforcemulti-levelauthorizationcontrolinthiscontext.

seqlevel1\*ALPHABETIC

C

. Issuing,monitoringandinventorycontroloftravellers’cheques

seqlevel0\r8\*ROMAN

VIII

.

seqlevel1\h\r0

Customers’cashmanagementfacilities

tc\l0"002

seqlevel0\r8\*ROMAN

VIII

.

seqlevel1\h\r0

Customers’cashmanagementfacilities"

seqlevel1\*ALPHABETIC

A

. On-lineoroff-lineexternalcashmanagementterminalslocatedincustomers’offices,whichhavelimitedaccesstothebank抯hostsystems:

· accessstrictlylimitedbyaccesscontrolfacilitiestoonlycustomer抯ownandonlyspecifiedaccountsoraccountgroupswithinanoverallcustomerrelationship

· completeaccountstatusandtransactionenquiries;

· initiatinginter-accounttransfers;

· submittingtransactionbatchesforbulkprocessing;

· accesstotreasuryandmoneymarketratesandprices;

Abilitytosweepbankbalancesintonon-bankmoneyaccounts(e.g.,overnightmoneymarket).

· initiatingtreasuryandmoneymarkettransactions;

· initiatingpaymentsbytelegraphictransfer(inGBPorforeigncurrency);

· submittingdemandandtimedepositaccountopeninginstructions;

· initiatingandamendingdirectdebitsandstandingorderinstructions;

· submittingloanapplicationsandrequestsfordrawingsagainstapprovedloans;

· submittingrequestsforforeigncurrencyservices,suchastravellers’cheques,bankdraftsandbureaudechangetransactions;

· obtainingmarketinginformation,includingdetailsofthebank抯productsandservices;

· electronicmailandmessagingfacilitiesforbatchtransmissions.

seqlevel0\r9\*ROMAN

IX

.

seqlevel1\h\r0

Clearingandexternalinterfaces

tc\l0"002

seqlevel0\r9\*ROMAN

IX

.

seqlevel1\h\r0

Clearingandexternalinterfaces"

seqlevel1\*ALPHABETIC

A

. ClearingRequirementsincludecapture,processingandclearingtransactionsonthefollowingbases:

· initiatedbyon-lineinputatsystemworkstations;

· receivedthroughBACSinterface;

· initiatedautomaticallybyperiodicprocesses(suchasinterestandfees);

· initiatedbycustomersatremotecash-managementterminals.

seqlevel1\*ALPHABETIC

B

. BACSInterface,viaNWB,tosupport:

· cashdepositsandwithdrawalsandchequeencashmentprocessedatotherbankstoCoutts’customers’accounts,underthebank抯reciprocalprocessingagreements;

· receiptsandpaymentsfrom/toCouttscustomers’accounts(includingplasticcardtransactions);

· receiptsandpaymentsfrom/toaccountsatotherbanksandinstitutions(includingplasticcardtransactions);

· standingordersfromCouttscustomers’accounts