2023年-bev商业财务管理知识agu

w-ww^maaaFeFkceFR海量免费资料尽在止匕OutlineofbusinessfunctionalrequirementsThisoutlinesummarisesourunderstandingofthebank拒possiblebusinessfunctionalrequirements.OverallapplicationsystemsarchitectureThesystemwillcoverthefollowing:单独标识出客户、帐户、产品、公司客户数据族IparatelyidentifyCustomer,Account,ProductandCorporateUnit记录和维护客户、帐户和产品关系kc..dandmaintainCustomer,AccountandProduct对多分行的支持multi-branch对多币种的支持muki・currency.applicationprogramsinteractiveandself^prompting.seconduserauthorisationforspecifictransactionsorevents.在安全日志文件中，保存完整的审计跟踪信息journalcustomeradvicesproducedtoletterquality.copiesofadvicesandreportsretainedindocumentarchivesandretrievableon-line.IL统一的会计、报表和风险管理Consolidatedaccounting,reportingandriskmanagement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.MulticunencyGeneralLedger< [带格式的：项目符号和编号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.对人行和其他管制机构的报告Managementreportingtoinclude:AssetandLiabilityManagementreporting,suchas:liquidity('gap')riskreportsinterestratesensitivityreportsRiskAssetRatio(RAR)requirementsLendingandcreditmanagementreportingCash-flowforecastingProductmanagementProductsshouldbe:唯一标始由参数和产品组件来定义产Midefinedbyvariableparametersorproduct'components没有引，序员和操作介入就能维护产iinmaintainablewithoutprogrammeroroperatorintervention;指定产品的起始日、到期日allocatedeffectivestartandenddatesaccessibleonlytoauthorisedusers(otherthanenquiiy)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.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中心参数和规则表，用以建立产品、客户、帐户信息■,■alparameterandruletablesestablishedindependentlyofproduct,customerandaccountinformation,suchas:interestratestructuresfeeandcommissionstructures(chargingrules'),includingrepeatablecharges'softcommission,rulesdataclassificationparameters(e.g.industryclassifications,occupationcodes,currencies,loanriskorprovisiongrades,warningandstatuscodesetc.)Intereslandchargingrulesand\allies,alihonglidelinedcentralI\and”■)♦、■■、■a、delanIIprocluclcomponents,variableattheaccountlevelbyauthorisedusers.利率规则应该包括：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担employeesorauthorisedcustomerswithexternalaccessfacilitiesCustomerandaccountadministration标准的客户数据的定义standing(orstatic)datadcrivcqfromandmaintainedbyCOIN.•accountsattachtoaCOINCustomerrecordandusethatcustomerstandingdata.CustomerInformationProcessingandQuery. ［带格式的：项目符号和编号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担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:捕捉所有贷款细书captureloan叩plicationdetails计算贷款利率和贷款回复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担reciprocalprocessingagreements;receiptsandpaymentsfrom/toCouttscustomers,accounts(includingplasticcardtransactions);receiptsandpaymentsfrom/toaccountsatotherbanksandinstitutions(includingplasticcardtransactions);sta