Ouineofbusinessfunctionalrequirements

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Outline of business functional requirements

This 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 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 self-prompting.

·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 journal files

·customer 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.

·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 currency

B. V AT and other applicable taxation activities , including support for CRT and MIRAS

calculation and reporting requirements

C. Budgeting and financial reporting includes:

·balance sheet

·profit and loss account

·net interest margin report

·operating expenses and revenue analyses

·asset/liability analyses

·transaction volume analyses

·analyses of fees and commissions

D. 对人行和其他管制机构的报告PBOC and other regulatory reporting

E. Management reporting to include:

·Asset and Liability Management reporting, such as:

- liquidity ('gap') risk reports

- interest rate sensitivity reports

- Risk Asset Ratio (RAR) requirements

·Lending and credit management reporting

·Cash-flow forecasting

III. 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maintainable without programmer or operator intervention;

·指定产品的起始日、到期日allocated effective start and end dates

·accessible 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) depending on customer type, account group

arrangements, industry sector / occupation code or collateral relationships.

B. Current product portfolio includes:

·current (cheque) accounts

·demand deposit accounts (with/without plastic card access)

·trust or 慹scrow’ deposit accounts

·revolving credits and lines of credit

·fixed and variable term loans (using absolute or base interest rates)

·term and notice deposit accounts

C. Demand Deposit Account (DDA) products should:

·be interest bearing or non-interest bearing

·attract credit interest and/or debit interest on qualifying balances

·attract fees and/or commissions according to qualifying criteria (e.g. balances, activities, or turnover)

·have lending (overdraft) limits, if applicable

1. 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, variable or callable subject to a notification

period.

E. Lending products should specify:

·fixed term, variable or callable subject to a notification period

·repayment basis for attached loans (i.e. interest only, principal and interest, principal only, discounted, interest / charges added-on, Rule of 78ths) ·the nature of the repayment schedule required

·standard criteria for excess, default and past-due

·collateral security requirements

·calculation and quotation of APRs

IV. 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 product, customer and account information, such as:

·interest rate structures

·fee and commission structures (charging rules’), including repeatable charges’