【2018年整理】outline of business functional requirements.docVIP

天马行空官方博客：/tmxk_docin ；QQ:1318241189；QQ群：175569632 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 selfprompting. · 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. VAT 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