w-ww^maaaFeFkceFR海量免費資料盡在止匕OutlineofbusinessfunctionalrequirementsThisoutlinesummarisesourunderstandingofthebank拒possiblebusinessfunctionalrequirements.OverallapplicationsystemsarchitectureThesystemwillcoverthefollowing:單獨標(biāo)識出客戶、帳戶、產(chǎn)品、公司客戶數(shù)據(jù)族IparatelyidentifyCustomer,Account,ProductandCorporateUnit記錄和維護客戶、帳戶和產(chǎn)品關(guān)系kc..dandmaintainCustomer,AccountandProduct對多分行的支持multi-branch對多幣種的支持muki?currency.applicationprogramsinteractiveandself^prompting.seconduserauthorisationforspecifictransactionsorevents.在安全日志文件中，保存完整的審計跟蹤信息journalcustomeradvicesproducedtoletterquality.copiesofadvicesandreportsretainedindocumentarchivesandretrievableon-line.IL統(tǒng)一的會計、報表和風(fēng)險管理Consolidatedaccounting,reportingandriskmanagement會計和總帳AccountingandGeneralLedger,including:銀行定義的會計表bank-definableChartofAccounts.back-datedandvalue-datedtransactions.成本中心的會計(首先取決于業(yè)務(wù)模式)對多幣種的支持costcentreaccounting.MulticunencyGeneralLedger< [帶格式的：項目符號和編號Abilitytocreateparent-child(nested)relationshipsbetweenaccounts.ThesystemmustbeabletoaccommodatemultiplelayersofrelalionshiDS.Allledgersshallbetightlyintegratedsuchthatachangetoasub-ledgerautomaticallyupdatesitsparentledger(s).TheG/Lsystemmustprovideanauto-reconciliationfunctionforthesub-ledgnrsrelated[oaparentledger.VATandotherapplicabletaxationactivities,includingsupportforCRTandMIRAScalculationandreportingrequirementsudgetingandfinancialreportingincludes:balancesheetprofitandlossaccountnetinterestmarginreportoperatingexpensesandrevenueanalysesasset/liabilityanalysestransactionvolumeanalysesanalysesoffeesandcommissionsAbilitytoreportandallocateP/L(profitability)atatransaction,customer,account、oranycombinationthcicof.Abililytotransferchargebackandprofittoanyaccountand/orcost/profilcenterGomanyaclivily.對人行和其他管制機構(gòu)的報告Managementreportingtoinclude:AssetandLiabilityManagementreporting,suchas:liquidity('gap')riskreportsinterestratesensitivityreportsRiskAssetRatio(RAR)requirementsLendingandcreditmanagementreportingCash-flowforecastingProductmanagementProductsshouldbe:唯一標(biāo)始由參數(shù)和產(chǎn)品組件來定義產(chǎn)Midefinedbyvariableparametersorproduct'components沒有引，序員和操作介入就能維護產(chǎn)iinmaintainablewithoutprogrammeroroperatorintervention;指定產(chǎn)品的起始日、到期日allocatedeffectivestartandenddatesaccessibleonlytoauthorisedusers(otherthanenquiiy)能夠支持大量的記息和收費規(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.Currentproductportfolioincludes:current(cheque)accountsdemanddepositaccounts(with/withoutplasticcardaccess)trustorEscrow'depositaccountsrevolvingcreditsandlinesofcreditfixedandvariabletermloans(usingabsoluteorbaseinterestrates)termandnoticedepositaccountsDemandDepositAccount(DDA)productsshould:beinterestbearingornon-interestbearingattractcreditinterestand/ordebitinterestonqualifyingbalancesattractfeesand/orcommissionsaccordingtoqualifyingcriteria(e.g.balances,activities,orturnover)havelending(overdraft)limits,ifapplicableCurrentaccountsareDDAproductsforwhichtheprincipaltransactionmechanismisachequebook,withBACS-standardMICRorOCRcodeline.TimeDepositproductsshouldbefixedterm,variableorcallablesubjecttoanotificationperiod.Lendingproductsshouldspecify:fixedterm,variableorcallablesubjecttoanotificationperiodrepaymentbasisforattachedloans(i.e.interestonly,principalandinterest,principalonly,discounted,interest/chargesadded-on,Ruleof78ths)thenatureoftherepaymentschedulerequiredstandardcriteriaforexcess,defaultandpast-duecollateralsecurityrequirementscalculationandquotationofAPRsIV.Product-independentparametersandrules中心參數(shù)和規(guī)則表，用以建立產(chǎn)品、客戶、帳戶信息■,■alparameterandruletablesestablishedindependentlyofproduct,customerandaccountinformation,suchas:interestratestructuresfeeandcommissionstructures(chargingrules'),includingrepeatablecharges'softcommission,rulesdataclassificationparameters(e.g.industryclassifications,occupationcodes,currencies,loanriskorprovisiongrades,warningandstatuscodesetc.)Intereslandchargingrulesand\allies,alihonglidelinedcentralI\and”■)?、■■、■a、delanIIprocluclcomponents,variableattheaccountlevelbyauthorisedusers.利率規(guī)則應(yīng)該包括：Interestraterulesshouldinclude:whethercreditordebitinterestorbothaccrualandchargingfrequenciesaccrualcalculationbasis(actualcalendardays,360-dayyear,30-daymonthlyperiods,calendarmonthlyperiods).thebasisonwhichthequalifyingbalanceforinterestaccrualwillbedeterminedorcalculated,i.e.actual,averageormaximum/minimumbalancesingleormultipleinterestrates(debitorcredit)applicablemultipleratesappliedoneither'tiered'or'banded'basis,withthresholdsinterestratesasabsolutepercentageorbaserateplus/minusmarginsAbilitytosetproductfeeswithspecificbusinessrules,eg,additionalfeeschargedfordifferentclients,overdrawnaccounts,etc.Chargingiulesshouldinclude:whetherbasedonthevalueortypeofeventorfhcilitycalculationbasisi.e.fixedcharge(orscaleoffixedcharges);percentage(orscaleofpercentages)ofthevalueofthetransactionorevent.scaledchargesappliedontiered'or'banded'basis,appliedto'thresholds'inthechargingstructurewhetherchargesareonregularperiodicbasis,event-keyedorad-hocminimum/maximumvaluesRecordoperatingmandateandsignaturedetails,including?supportfortelephoneandotherremotecustomerinstructionsMaintainuserprofilesforallauthorisedusers,whetherbank擔(dān)employeesorauthorisedcustomerswithexternalaccessfacilitiesCustomerandaccountadministration標(biāo)準(zhǔn)的客戶數(shù)據(jù)的定義standing(orstatic)datadcrivcqfromandmaintainedbyCOIN.?accountsattachtoaCOINCustomerrecordandusethatcustomerstandingdata.CustomerInformationProcessingandQuery. ［帶格式的：項目符號和編號Abilitytoview360-degreerelationshipwithNCDST'scustomeracrosstheenticecustomerpositionand/ortransactionhistory,includingallcustomersinrelationship、accounts,croducts,aggregatebalancesandlimits.Abililytosegmentandaggregateallinformalionbycustomer(ype,balances,dalerange,lypeofaccountJypeofcustomer,lypcofIcansaclioruetc.Supportfbrexistingaccountnumber0)agreed-uponaccountnumberstandard.Accountnumbershouldsupportcheckdigitprocessing.Example:y?xxx?xxxwhere"y"representscheckdigitusingmode10convenlion.Flexibleabililylosearchforandidemilyclienlinfbumalionbyanyaccounlparameler.Imageofcustomersignatureshouldbepartofclientrecord.BC.Accountadministrationrequirementsinclude:allaccountsattachtoaproducttoestablishdefaultrules(whichareoverrideable)foritsoperations.Abililyloassocialeaflexiblelislofmandaioryinfbrmaiionwithaccounlnumber(correspondenldeposilory,cuslomerID、checkdigil).supportforcleared,uncleared,andaccruedclearedbalances.Hierarchicalstructureforaccountlimitselling(eg,byclient,accounttype,product,branch,businessunit,etc.).Abilitytostorereferencenamesubs——samecustomername,butdifferentsub-accounts.trustaccountsandother'beneficiary'accountsblockorstopspecificaccountsrecordaccount-specificwarningcodesidentify'dormant'orinoperativeaccountsidentifyAccountofficer'orRelationshipmanager'On-lineaccountenquiries,including:accountstatusreportstransactionlistsstoppaymentinstructionscompletebreakdownofinterestandchargesautomatedaccountclosingprocessesAccountstatementsshould:? beproducedperiodically,ad-hoc,whenaspecified activityoccurs,orafteragiven numberoftransactionsalsoreportbalancesofotheraccountsforthecustomerproduceduplicateormultiplecopiesincludetextualdescriptionsoftransactiondetailsprovideothermessagestocustomersDetailednotificationsofinterestandchargesaccruedforanaccount(oraccountgrouping)andtobechargedatafuturedate,includingacompletebreakdownofthecalculationbasisforeachamountaccrued.User-defined,pre-formattedaccountadvicesproducedautomaticallyoronrequest,including:standardletters(e.g.interestratechanges)unauthorisedorexcessoverdraftadvicespriornotificationofinterest/chargescomingdue/payableconfirmationofreceiptoffundsdeliveryofpaymentdocumentationotherad-hocadvicesSupportthegroupingoftwoormoreofacustomer擔(dān)accountsforinterest,chargingandreportingpurposes:憩offchargingarrangementsbasedupongroupedaccountpositionsandactivityproducestatus,accrualandactivityinformationforanaccountgroupingRecordadomicile'orreportingcorporateunitforcustomeraccounts.Supportchequeaccountadministrationprocesses,including:?generatingchequeanddepositbookprintinginstructions;recordingchequeanddepositbooksorderedandissued;trackingandverifyingserialnumbersofitemspresentedagainstissueddetails;recordingcustomers'stoppaymentinstructionsandmonitoringaccounttransactionstolocate'stopsuspects transfersbetweenaccounts transfersbetweenaccountsAbilitytosweepbankbalancesintonon-bankmoneyaccounts(c.g.,overnightmoneymarket).■initiatingtreasuryandmoneymarkettransactions;FlexibleSecurityAdministrationAbilityloassignsecurityaccessloindividualsbasedonroleandprofile(template).Abililyloassignaccessfromcentrallocationorremotelocation(e.g..branch).monitorandreportonaccountactivityandhighlightunusualsituationsCustomerlendingSupportthefollowinglendingtypes:repaymentholidaysorseasonallyvariablerepaymentcycles).Recordandmonitorexposurelimitsandspecificlendinglimitsateachlevelwithinthebank/customcrrelationship,i.c.customer,accountgroupingandspecificaccount.Loanapplicationprocessing,toinclude:捕捉所有貸款細書captureloan叩plicationdetails計算貸款利率和貸款回復(fù)calculateinterestratesapplicableandloanrepaymentscreditscoringfacilitiesfbrpersonalcustomerlending;andcalculatekeylendingratiosfbrnon-pcrsonalcustomersderiveabank-definedgradefortheloanapplicationrecordprogressandstatusofloanapplicationsinprocessingproducestandardcustomerloandocumentation?recordcollateralsecuritiesofferedandtakeninrespectofloanapplicationsreceivedandgrantedproduceinstructionsandadvicesforcollateralsecuritydocumentationLoanAdministrationProcessingtocover:automaticallyrecalculateloanamortisationtablesafterratechangesetc.identifyandmonitorpast-duesitutationsrecordLoanProvisionorRiskGrade(forloanlossprovisioncalculations)E.Customersafe-keepingregisterfacilitiesTransactionmanagementSlipporlIhcfollowinggeneric1\pusofcuslomcrlr;ins;iclioiis:deposits/withdrawals(includingcash)transfersto/fromaccountsatotherbanks(viainterface)directdebitinstructions(initiated/received)standingorderstransactionreversals'sweep'facilitiestoperformautomatictransfersto/fromaccountsbankcheque/draftissuingloandraw-downsormaturitiesloanrepayments(scheduled/unscheduled)timedepositplacementsandmaturitiestimedepositbreaks(full/partial)bureaudechangeactivitiesgeneratedtransactions(interestcharged/paid,feesandcommissions)Transactionprocessingrequirementsinclude:createandmaintaintransactiontypesasparameteriseddefinitionsusersamenddefaulttransactiondescriptionsoraddadditionaldetails,inmemorandumform,wheninputtingtransactionson-linetoacustomeraccount(toappearoncustomerstatement).on-linetransactionauthorisationrecordstoppaymentdetailsAbililyloprocessIransaclions,validaleaccountslaius,sloppaymentswhencommunicationlinksbelweenbranchandHeadOfTicehavebeendisrupled.Offlinemodeshouldbeiranspareniandrestartshouldbnseamless.Abililytoreferallnecessaryelementsoflargeenoughandhigh-risktransactionstosupervisorororiginalmakerforreviewandpotentialediting,withabilitytoenforcemulti-levelauthorizationcontrolinthiscontext.Issuing,monitoringandinventorycontroloftravellers'chequesCustomers9cashmanagementfacilitiesA.On-lineorofflineexternalcashmanagementterminalslocatedincustomers'offices,whichhavelimitedaccesstothebank拒hostsystems:accessstrictlylimitedbyaccesscontrolfacilitiestoonlycustomerjflownandonlyspecifiedaccountsoraccountgroupswithinanoverallcustomerrelationshipcompleteaccountstatusandtransactionenquiries;initiatinginter-accounttransfers;submittingtransactionbatchesforbulkprocessing;accesstotreasuryandmoneymarketratesandprices;initiatingpaymentsbytelegraphictransfer(inGBPorforeigncurrency);submittingdemandandtimedepositaccountopeninginstructions;initiatingandamendingdirectdebitsandstandingorderinstructions;submittingloanapplicationsandrequestsfordrawingsagainstapprovedIoans;submittingrequestsforforeigncurrencyservices,suchastravellcrs?cheques,bankdraftsandbureaudechangetransactions;obtainingmarketinginformation,includingdetailsofthebankfflproductsandservices;electronicmailandmessagingfacilitiesforbatchtransmissions.ClearingandexternalinterfacesClearingRc(.|iiircinciil>incluciccapUiiv.processing；unldcuring■■■■■■()■、()■dielollowingIxiscs:?initiatedbyon-lineinputatsystemworkstations;receivedthroughBACSinterface;initiatedautomaticallybyperiodicprocesses(suchasinterestandfees);initiatedbycustomersatremotecash-managementterminals.BACSInterface,viaNWB,tosupport:cashdepositsandwithdrawalsandchequeencashmentprocessedatotherbankstoCoutts,customers'accounts,underthebank擔(dān)reciprocalprocessingagreements;receiptsandpaymentsfrom/toCouttscustomers,accounts(includingplasticcardtransactions);receiptsandpaymentsfrom/toaccountsatotherbanksandinstitutions(includingplasticcardtransactions);sta