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1、Evaluation Warning: The document was created with Spire.Doc for .NET. HYPERLINK http:/把www.man白aren.co板m鞍 隘www.man愛aren.co愛m邦 海量免費資礙料盡在此背Outline岸 of bus罷iness f阿unction版al requ稗irement哀s礙埃This ou搬tline s氨ummaris拜es our 半underst瓣anding 翱of the 熬bank笆抯襖 possib跋le busi百ness fu安nctiona礙l requi礙rements扳.
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14、am半mer or 岸operato矮r inter伴vention骯;唉胺扮邦指定產品的起始八日、到期日哎allocat頒ed effe百ctive s爸tart an啊d end d昂ates稗奧哀罷accessi霸ble onl胺y to au翱thori柏sed use奧rs (oth艾er than半 enquir俺y)佰稗捌罷能夠支持大量的挨記息和收費規則昂,變量是:客戶翱類型、帳戶組安俺排、工業門類、拌職業代碼、連帶背關系把able to八 suppor頒t a num傲ber of 礙differe艾nt inte襖rest an哀d charg般ing rul板es (see
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21、N爸IV跋.seq level1 h r0 拜敗Product氨-indepe骯ndent p耙aramete案rs and 艾rules tc l 0 002seq level0 r4 *ROMAN俺IV敖.seq level1 h r0 擺矮Product藹-indepe八ndent p邦aramete柏rs and 盎rulesseq level1 *ALPHABETIC按A盎.扒盎中心參數和規則盎表,用以建立產皚品、客戶、帳戶暗信息盎Central艾 parame襖ter and擺 rule t叭ables e稗stablis吧hed ind挨ependen笆tly of 絆produ
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30、s傲tration氨 tc l 0 002seq level0 r5 *ROMAN襖V叭.seq level1 h r0 礙澳Custome扮r and a懊ccount 傲adminis傲tration伴seq level1 *ALPHABETIC柏A芭.扮矮標準的客戶數據矮的定義背Custome翱r stand扒ing (or骯 static靶) data 爸derived敖 from a芭nd main疤t爸ained b挨y COIN.跋八疤挨account佰s attac伴h to a 熬COIN Cu礙stomer 鞍record 暗and use拔 that c叭ustomer壩
31、 standi藹ng data扳.挨Custome芭r Infor靶mation案 吧Process挨ing白 and Qu鞍ery愛Ability翱 to vie皚w 360-d懊egree r斑elation班ship wi辦th NCDS敗Ts cus疤tomer a半cross t懊he enti皚re cust襖omer po捌sition 斑and/or 瓣transac頒tion hi吧story, 拌includi熬ng all 唉custome擺rs in r吧elation唉ship, a暗ccounts叭, produ稗cts, ag辦gregate跋 balanc扳es
32、 and 擺limits.氨Ability搬 to seg擺ment an癌d aggre扳gate al爸l infor爸mation 愛by cust扒omer ty昂pe, bal安ances, 般date ra藹nge, ty霸pe of a奧ccount,案 type o背f custo罷mer, ty伴pe of t哀ransact熬ion, et皚c.靶Support癌 for ex藹isting 斑account岸 number俺 or agr百eed-upo跋n accou邦nt numb敗er stan哎dard. A扒ccount 半number 鞍should 靶sup
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34、1 *ALPHABETIC靶B頒C安.拔哎Account唉 admini阿stratio翱n requi澳rements敗 includ俺e:敗捌把擺all acc爸ounts a搬ttach t把o a pro鞍duct to斑 establ班ish def扒ault ru敖les (wh邦ich are唉 overri氨deable)芭 for it啊s opera氨tions.隘澳疤Ability壩 to ass頒ociate 皚a flexi盎ble lis跋t of ma唉ndatory跋 inform昂ation w哎ith acc澳ount nu耙mber (c澳orrespo靶
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36、sub奧ssame 矮custome懊r name,班 but di懊fferent骯 sub-ac伴counts.扳搬半靶trust a罷ccounts頒 and ot敗her be啊neficia芭ry acc拜ounts藹愛癌拌block o隘r stop 凹speci礙fic acc疤ounts拜癌矮拜record 愛account吧-specif罷ic warn芭ing cod奧es罷懊敗扳identif稗y dorm懊ant or扳 inoper礙ative a霸ccounts捌按稗岸identif按y 把慳叭ccount 邦officer翱 or 氨憆佰elation百ship
37、ma阿nagerseq level1 *ALPHABETIC按C案.暗唉On-line矮 accoun擺t enqui班ries, i壩ncludin凹g:翱邦斑半account扮 status佰 report耙s 皚按佰跋trans盎action 稗lists疤阿白哀stop pa安yment i熬nstruct澳ions挨耙鞍搬complet愛e break笆down of盎 intere頒st and 吧charges骯啊皚稗automat敖ed acco隘unt clo白sing pr白ocessesseq level1 *ALPHABETIC隘D半.捌安Account吧 statem
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39、s般 of tra瓣nsactio盎n detai辦ls鞍巴斑傲provide搬 other 凹message暗s to cu般stomersseq level2 *arabic扮1瓣.搬板Detaile跋d notif盎ication扒s of in熬terest 鞍and cha氨rges ac奧crued f安or an a瓣ccount 艾(or acc愛ount gr壩ouping)把 and to唉 be cha板rged at把 a futu骯re date版, inclu斑ding a 岸complet辦e break辦down of稗 the ca阿lculati岸on ba
40、si胺s for e把ach amo靶unt acc背rued.seq level2 *arabic胺2襖.俺敖User-de八fined, 半pre-for把matted 捌account霸 advice胺s produ搬ced aut霸omatica哎lly or 盎on requ爸est, in骯cluding八:扮哀傲愛standar稗d lette岸rs (e.g傲. inter把est rat拜e chang氨es)骯拜邦頒unautho芭rised o皚r exces敖s overd懊raft ad八vices啊罷暗搬prior n敗otifica岸tion of板 intere
41、凹st/char邦ges com疤ing due擺/payabl隘e岸捌骯挨confirm霸ation骯 of rec瓣eipt of按 funds案般岸拜deliver絆y of pa伴yment d吧ocument八ation瓣靶疤哀other a艾d-hoc a熬dvicesseq level1 *ALPHABETIC叭E疤.seq level2 h r0 奧懊Support哎 the gr叭ouping 案of two 扮or more奧 of a c艾ustomer敖抯阿 accoun背ts for 疤interes岸t, char斑ging an罷d repor疤ting pu安r
42、poses:昂傲癌隘憇罷oft ch熬arging 邦arrange阿ments b唉ased up安on grou拔ped acc班ount po罷sitions稗 and ac叭tivity凹邦版八produce稗 status艾, accru吧al and 岸activit瓣y infor挨mation 暗for an 背account敗 groupi百ngseq level1 *ALPHABETIC壩F阿.八鞍Record 巴a 哀慸佰omicile疤 or re艾porting皚 corpor挨ate uni八t for c擺ustomer半 accoun按ts.seq level1
43、 *ALPHABETIC安G拔.吧愛Support澳 cheque骯 accoun斑t admin絆istrati捌on proc昂esses, 絆includi白ng:哎壩半懊generat佰ing che爸que and哀 deposi盎t book 埃printin埃g instr笆uctions暗;芭板暗翱recordi般ng cheq白ue and 伴deposit啊 books 礙ordered愛 and is骯sued;挨百埃扮trackin板g and v捌erifyin阿g seria巴l numbe叭rs of i瓣tems pr疤esented阿 agains襖t iss
44、ue安d detai班ls;唉翱絆隘recordi爸ng cust扒omers 笆stop pa案yment i耙nstruct斑ions an礙d monit暗oring a昂ccount 敗transac氨tions t胺o locat頒e stop癌 suspec安ts胺矮胺懊monitor跋 and re耙port on翱 accoun半t activ班ity and藹 highli唉ght unu半sual si搬tuation俺sseq level0 r6 *ROMAN耙VI伴.seq level1 h r0 安按C辦ustomer捌 lendin柏g tc l 0 002seq
45、level0 r6 *ROMAN罷VI絆.seq level1 h r0 八擺Custome芭r lendi版ngseq level1 *ALPHABETIC安A扒.絆吧Support拌 the fo胺llowing凹 lendin哀g types絆:百爸柏熬固定期限的回款岸貸款扒fixed t擺erm rep挨ayment 胺loans;頒敗敖百fully f啊luctuat霸ing (de半bit/cre阿dit) cu霸rrent a阿ccount 叭lending吧;岸骯絆愛revolvi氨ng line般s of cr柏edit;愛霸班礙分期負款信貸拜instalm八ent cre骯
46、dit;笆鞍跋熬固定還款結構的佰貸款把loans w斑ith irr扮egular 耙repayme傲nt cycl哎es or a骯mounts 把(e.g. l傲oans wi百th repa笆yment h胺olidays稗 or sea盎sonally襖 variab捌le repa班yment c白ycles).seq level1 *ALPHABETIC邦B壩.爸板Record 按and mon霸itor ex疤posure 斑limits 矮and spe愛cific l巴ending 邦limits 阿at each昂 level 笆within 般the ban暗k/cust
47、o頒mer rel啊ationsh氨ip, i.e凹. custo佰mer, ac隘count g敖rouping懊 and sp唉ecific 案account昂.seq level1 *ALPHABETIC岸C皚.礙胺Loan ap扒plicati拔on proc胺essing,唉 to inc疤lude:稗艾氨骯捕捉所有貸款細傲節唉capture絆 loan a凹pplicat伴ion 盎details白拔搬壩計算貸款利率和拜貸款回復擺calcula唉te inte傲rest ra班tes app敗licable跋 and lo捌an repa熬yments壩敗安敖credit 巴sco
48、ring稗 facili岸ties fo擺r perso矮nal cus斑tomer l拜ending;八 and吧岸扮百calcula挨te key 凹lending艾 ratios擺 for no愛n-perso扳nal cus霸tomers俺拜芭芭derive 襖a bank-疤defined奧 grade 愛for the捌 loan a骯pplicat絆ion藹扳按啊record 安progres熬s and s瓣tatus o跋f loan 岸applica岸tions i氨n proce班ssing暗斑頒拜produce案 standa耙rd cust啊omer lo拌an do
49、cu跋mentati礙on癌敗板澳record 辦collate阿ral sec傲urities板 offere案d and t拜aken in絆 respec阿t of lo凹an appl癌ication按s recei扳ved and扳 grante暗d loans白愛稗疤produce笆 instru跋ctions 昂and adv鞍ices fo矮r colla暗teral s暗ecurity爸 docume凹ntationseq level1 *ALPHABETIC阿D扳.凹澳Loan Ad懊ministr辦ation P疤rocessi澳ng to c拌over:癌吧罷八auto
50、mat敗ically 疤recalcu半late lo巴an amor佰tisatio按n table八s after扒 rate c挨hanges 氨etc.隘捌扳笆identif伴y and m壩onitor 柏past-du背e situt啊ations稗氨捌昂record 岸Loan Pr傲ovision奧 or Ris啊k Grade啊 (for l捌oan los絆s provi絆sion ca把lculati靶ons)seq level1 *ALPHABETIC阿E耙.阿背Custome跋r safe-阿keeping跋 regist半er faci跋litiesseq leve
51、l0 r7 *ROMAN胺VII瓣.seq level1 h r0 扮頒Transac佰tion ma隘nagemen骯t tc l 0 002seq level0 r7 *ROMAN奧VII搬.seq level1 h r0 佰辦Transac八tion ma盎nagemen襖tseq level1 *ALPHABETIC癌A氨.斑壩Support隘 the fo翱llowing矮 generi昂c types八 of cus瓣tomer t哀ransact拜ions:巴跋絆愛deposit捌s/withd按rawals 叭(includ盎ing cas白h)絆邦把岸transfe哎rs b
52、etw瓣een acc壩ounts叭白澳霸transfe半rs to /搬 from a霸ccounts罷 at oth扮er bank敖s (via 佰 interf艾ace)瓣搬皚藹direct 壩debit i敗nstruct敗ions (i白nitiate安d / rec壩eived)矮擺盎伴standin白g order暗s艾百岸transac板tion re艾versals捌捌埃跋sweep巴 facili笆ties to挨 perfor懊m autom昂atic tr懊ansfers拌 to/fro挨m accou奧nts扒耙骯隘bank ch半eque / 凹draft i辦s
53、suing瓣盎絆罷loan dr捌aw-down氨s or ma艾turitie扮s斑隘氨凹loan re邦payment愛s (sche稗duled /斑 unsche爸duled)安俺盎暗time de拔posit p哀lacemen氨ts and 奧maturit昂ies暗安霸巴time de絆posit b鞍reaks (熬full / 翱partial澳)癌癌凹拜bureau 奧de chan扳ge acti胺vities傲奧版頒generat礙ed tran愛saction佰s (inte藹rest ch叭arged /頒 paid, 班fees an拜d commi般ssions
54、)seq level1 *ALPHABETIC搬B扒.疤半Transac笆tion pr澳oce按ssing r板equirem扮ents in骯clude:扒擺絆皚create 哀and mai疤ntain t敖ransact凹ion typ瓣es as p哀aramete敗rised d笆efiniti安ons跋懊昂斑users a骯mend de斑fault t搬ransact搬ion des埃criptio佰ns or a盎dd addi跋tional 辦details敖, in me疤morandu礙m form,扳 when i昂nputtin隘g trans辦actions翱 o
55、n-lin半e to a 搬custome俺r白抯癌 accoun挨t (to 氨appear 壩on cust盎omer擺抯熬 statem笆ent).懊凹骯隘on-line擺 transa板ction a盎uthoris襖ation翱八矮半record 案stop pa笆yment d百etails岸扮班Ability埃 to pro唉cess tr按ansacti伴ons, va氨lidate 般account壩 status跋, stop 骯payment把s when 背communi敖cation 熬links b拌etween 扮branch 班and Hea按d Offic翱e
56、 have 搬been di案srupted邦. Offli挨ne mode瓣 should八 be tra敖nsparen奧t and r半estart 按should 俺be seam隘less.疤襖隘Ability阿 to ref板er all 案necessa懊ry elem氨ents of皚 large 把enough 壩and hig版h-risk 拜transac疤tions t稗o super巴visor o翱r origi耙nal mak拌er for 隘review 辦and pot叭ential 扮editing佰, with 搬ability襖 to enf板orce
57、mu俺lti-lev阿el auth熬orizati疤on cont唉rol in 靶this co奧ntext.seq level1 *ALPHABETIC凹C佰.頒叭Issuing安, monit藹oring a藹nd inve敖ntory c八ontrol 凹of trav佰ellers霸 cheque絆sseq level0 r8 *ROMAN巴VIII班.seq level1 h r0 八巴Custome斑rs cas班h manag岸ement f瓣aciliti奧es tc l 0 002seq level0 r8 *ROMAN擺VI霸II擺.seq level1 h r0 藹俺
58、Custome霸rs cas懊h manag盎ement f擺aciliti暗esseq level1 *ALPHABETIC骯A扳.胺半On-line敖 or off奧-line e辦xternal百 cash m辦anageme敗nt term板inals l斑ocated 熬in cust疤omers 奧offices霸, which氨 have l般imited 胺access 愛to the 八bank邦抯半 host s叭ystems:哀頒笆唉access 壩strictl凹y limi皚ted by 案access 芭control埃 facili搬ties to礙 only c
59、愛ustomer鞍抯岸 own an襖d only 按specifi胺ed acco白unts or爸 accoun疤t group盎s withi疤n an ov暗erall c傲ustomer骯 relati伴onship跋板頒把complet爸e accou藹nt stat安us and 耙transac澳tion en癌quiries把;凹耙叭白initiat版ing int版er-acco昂unt tra霸nsfers;爸拔氨八submitt扳ing tra拌nsact疤ion bat岸ches fo斑r bulk 吧process爸ing;靶岸埃罷access 按to trea拔s
60、ury an半d money暗 market柏 rates 擺and pri凹ces;搬巴愛Ability愛 to swe懊ep bank矮 balanc罷es into安 non-ba奧nk mone矮y accou翱nts (e.安g., ove案rnight 骯money m拔arket).辦頒吧隘initiat挨ing tre芭asury a跋nd mone翱y marke百t trans拌actions般;白吧昂絆initiat扒ing pay半ments b哀y teleg唉raphic 靶transfe扳r (in G懊BP or f骯oreign 瓣currenc哎y);壩辦凹
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