outline of business functional requirements

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1、天马行空官方博客：http://t.qq.com/tmxk_docin；QQ:1318241189；QQ群：175569632OutlineofbusinessfunctionalrequirementsThisoutlinesummarisesourunderstandingofthebank抯possiblebusinessfunctionalrequirements.I.OverallapplicationsystemsarchitectureThesystemwillcoverthefollowing:·单独标识出客户、

2、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.·seconduserauthorisationforspe

3、cifictransactionsorevents.·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,reportingandriskmanage

4、mentA.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.MulticurrencyB.VATandotherapplicabletaxationactivities,includingsupportforCRTandMIRAScalculatio

5、nandreportingrequirementsC.Budgetingandfinancialreportingincludes:·balancesheet·profitandlossaccount·netinterestmarginreport·operatingexpensesandrevenueanalyses·asset/liabilityanalyses·transactionvolumeanalyses·analysesoffeesandcommissionsD.对人行和其他管制机构的报告PBOCandotherr

6、egulatoryreportingE.Managementreportingtoinclude:·AssetandLiabilityManagementreporting,suchas:-liquidity('gap')riskreports-interestratesensitivityreports-RiskAssetRatio(RAR)requirements·Lendingandcreditmanagementreporting·Cash-flowforecastingIII.ProductmanagementA.Pr

7、oductsshouldbe:·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)·

8、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)dependingoncu