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1、Outline of business functional requirementsThis outline summarises our understanding of the bank抯 possible business functional requirements.I.Overall application systems architecture The system will cover the following:单独标识出客户、帐户、产品、公司客户数据族separately identify Customer, Account, Product and Corporate
2、 Unit记录和维护客户、帐户和产品关系record and maintain Customer, Account and Product relationships.对多分行的支持multi-branch.对多币种的支持multi-currency.application programs interactive and selfprompting.second user authorisation for specific transactions or events.在安全日志文件中，保存完整的审计跟踪信息full audit trail information in secure jo
3、urnal filescustomer advices produced to letter quality. copies of advices and reports retained in document archives and retrievable on-line.II.统一的会计、报表和风险管理Consolidated accounting, reporting and risk management A.会计和总帐Accounting and General Ledger, including:银行定义的会计表bank-definable Chart of Accounts.
4、back-dated and value-dated transactions.成本中心的会计（首先取决于业务模式）对多币种的支持cost centre accounting. Multi currencyB. General LedgerAbility to create parent-child (nested) relationships between accounts. The system must be able to accommodate multiple layers of relationships.All ledgers shall be tightly integra
5、ted such that a change to a sub-ledger automatically updates its parent ledger(s).The G/L system must provide an auto-reconciliation function for the sub-ledgers related to a parent ledger.B.VAT and other applicable taxation activities , including support for CRT and MIRAS calculation and reporting
6、requirementsC.Budgeting and financial reporting includes:balance sheetprofit and loss accountnet interest margin reportoperating expenses and revenue analysesasset/liability analysestransaction volume analysesanalyses of fees and commissionsAbility to report and allocate P/L (profitability) at a tra
7、nsaction, customer, account, or any combination thereof.Ability to transfer charge back and profit to any account and/or cost/profit center from any activity.D.对人行和其他管制机构的报告PBOC and other regulatory reportingE.Management reporting to include:Asset and Liability Management reporting, such as:-liquidi
8、ty (gap) risk reports-interest rate sensitivity reports-Risk Asset Ratio (RAR) requirementsLending and credit management reportingCash-flow forecastingIII.Product management A.Products should be:唯一标始uniquely identified由参数和产品组件来定义产品defined by variable parameters or product components没有程序员和操作介入就能维护产品m
9、aintainable without programmer or operator intervention;指定产品的起始日、到期日allocated effective start and end datesaccessible only to authorised users (other than enquiry)能够支持大量的记息和收费规则，变量是：客户类型、帐户组安排、工业门类、职业代码、连带关系able to support a number of different interest and charging rules (see section 5. below) depe
10、nding on customer type, account group arrangements, industry sector / occupation code or collateral relationships.B.Current product portfolio includes:current (cheque) accountsdemand deposit accounts (with/without plastic card access)trust or 慹scrow deposit accountsrevolving credits and lines of cre
11、ditfixed and variable term loans (using absolute or base interest rates)term and notice deposit accountsC.Demand Deposit Account (DDA) products should:be interest bearing or non-interest bearingattract credit interest and/or debit interest on qualifying balancesattract fees and/or commissions accord
12、ing to qualifying criteria (e.g. balances, activities, or turnover)have lending (overdraft) limits, if applicable1.Current accounts are DDA products for which the principal transaction mechanism is a cheque book, with BACS-standard MICR or OCR code line.D.Time Deposit products should be fixed term,
13、variable or callable subject to a notification period.E.Lending products should specify:fixed term, variable or callable subject to a notification periodrepayment basis for attached loans (i.e. interest only, principal and interest, principal only, discounted, interest / charges added-on, Rule of 78
14、ths)the nature of the repayment schedule requiredstandard criteria for excess, default and past-duecollateral security requirementscalculation and quotation of APRsIV.Product-independent parameters and rules A.中心参数和规则表，用以建立产品、客户、帐户信息Central parameter and rule tables established independently of prod
15、uct, customer and account information, such as:interest rate structuresfee and commission structures (charging rules), including repeatable chargessoft commission rulesdata classification parameters (e.g. industry classifications, occupation codes, currencies, loan risk or provision grades, warning and status codes etc.)B.Interest and charging rules and values, although defined centrally and allocated as default product components
