outline of business functional requirements.docx
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outline of business functional requirements.docx
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outlineofbusinessfunctionalrequirements
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Outlineofbusinessfunctionalrequirements
Thisoutlinesummarisesourunderstandingofthebank抯possiblebusinessfunctionalrequirements.
I.Overallapplicationsystemsarchitecture
Thesystemwillcoverthefollowing:
·单独标识出客户、帐户、产品、公司客户数据族separatelyidentifyCustomer,Account,ProductandCorporateUnit
·记录和维护客户、帐户和产品关系recordandmaintainCustomer,AccountandProductrelationships.
·对多分行的支持multi-branch.
·对多币种的支持multi-currency.
·applicationprogramsinteractiveandselfprompting.
·seconduserauthorisationforspecifictransactionsorevents.
·在安全日志文件中,保存完整的审计跟踪信息fullaudittrailinformationinsecurejournalfiles
·customeradvicesproducedtoletterquality.
·copiesofadvicesandreportsretainedindocumentarchivesandretrievableon-line.
II.统一的会计、报表和风险管理Consolidatedaccounting,reportingandriskmanagement
A.会计和总帐AccountingandGeneralLedger,including:
·银行定义的会计表bank-definableChartofAccounts.
·back-datedandvalue-datedtransactions.
·成本中心的会计(首先取决于业务模式)
对多币种的支持costcentreaccounting.Multicurrency
B.VATandotherapplicabletaxationactivities,includingsupportforCRTandMIRAScalculationandreportingrequirements
C.Budgetingandfinancialreportingincludes:
·balancesheet
·profitandlossaccount
·netinterestmarginreport
·operatingexpensesandrevenueanalyses
·asset/liabilityanalyses
·transactionvolumeanalyses
·analysesoffeesandcommissions
D.对人行和其他管制机构的报告PBOCandotherregulatoryreporting
E.Managementreportingtoinclude:
·AssetandLiabilityManagementreporting,suchas:
-liquidity('gap')riskreports
-interestratesensitivityreports
-RiskAssetRatio(RAR)requirements
·Lendingandcreditmanagementreporting
·Cash-flowforecasting
III.Productmanagement
A.Productsshouldbe:
·唯一标始uniquelyidentified
·由参数和产品组件来定义产品definedbyvariableparametersorproduct'components'
·没有程序员和操作介入就能维护产品maintainablewithoutprogrammeroroperatorintervention;
·指定产品的起始日、到期日allocatedeffectivestartandenddates
·accessibleonlytoauthorisedusers(otherthanenquiry)
·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abletosupportanumberofdifferentinterestandchargingrules(seesection5.below)dependingoncustomertype,accountgrouparrangements,industrysector/occupationcodeorcollateralrelationships.
B.Currentproductportfolioincludes:
·current(cheque)accounts
·demanddepositaccounts(with/withoutplasticcardaccess)
·trustor慹scrow’depositaccounts
·revolvingcreditsandlinesofcredit
·fixedandvariabletermloans(usingabsoluteorbaseinterestrates)
·termandnoticedepositaccounts
C.DemandDepositAccount(DDA)productsshould:
·beinterestbearingornon-interestbearing
·attractcreditinterestand/ordebitinterestonqualifyingbalances
·attractfeesand/orcommissionsaccordingtoqualifyingcriteria(e.g.balances,activities,orturnover)
·havelending(overdraft)limits,ifapplicable
1.CurrentaccountsareDDAproductsforwhichtheprincipaltransactionmechanismisachequebook,withBACS-standardMICRorOCRcodeline.
D.TimeDepositproductsshouldbefixedterm,variableorcallablesubjecttoanotificationperiod.
E.Lendingproductsshouldspecify:
·fixedterm,variableorcallablesubjecttoanotificationperiod
·repaymentbasisforattachedloans(i.e.interestonly,principalandinterest,principalonly,discounted,interest/chargesadded-on,Ruleof78ths)
·thenatureoftherepaymentschedulerequired
·standardcriteriaforexcess,defaultandpast-due
·collateralsecurityrequirements
·calculationandquotationofAPRs
IV.Product-independentparametersandrules
A.中心参数和规则表,用以建立产品、客户、帐户信息Centralparameterandruletablesestablishedindependentlyofproduct,customerandaccountinformation,suchas:
·interestratestructures
·feeandcommissionstructures(chargingrules’),includingrepeatablecharges’
·softcommission’rules
·dataclassificationparameters(e.g.industryclassifications,occupationcodes,currencies,loanriskorprovisiongrades,warningandstatuscodesetc.)
B.Interestandchargingrulesandvalues,althoughdefinedcentrallyandallocatedasdefaultproductcomponents,variableattheaccountlevelbyauthorisedusers.
C.利率规则应该包括:
Interestraterulesshouldinclude:
·whethercreditordebitinterestorboth
·accrualandchargingfrequencies
·accrualcalculationbasis(actualcalendardays,360-dayyear,30-daymonthlyperiods,calendarmonthlyperiods).
·thebasisonwhichthequalifyingbalanceforinterestaccrualwillbedeterminedorcalculated,i.e.actual,averageormaximum/minimumbalance
·singleormultipleinterestrates(debitorcredit)applicable
·multipleratesappliedoneither'tiered'or'banded'basis,with
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