商業(yè)財(cái)務(wù)管理知識(shí)(編輯修改稿)
2025-07-16 22:49 本頁(yè)面
【文章內(nèi)容簡(jiǎn)介】 limits.b. Ability to segment and aggregate all information by customer type, balances, date range, type of account, type of customer, type of transaction, etc.c. Support for existing account number or agreedupon account number standard. Account number should support check digit processing. Example: yxxxxxx where “y” represents check digit using mode 10 convention.d. Flexible ability to search for and identify client information by any account parameter.e. Image of customer signature should be part of client record.BC. Account administration requirements include: all accounts attach to a product to establish default rules (which are overrideable) for its operations. Ability to associate a flexible list of mandatory information with account number (correspondent depository, customer ID, check digit). support for cleared, uncleared, and accrued cleared balances. Hierarchical structure for account limit setting (., by client, account type, product, branch, business unit, etc.). Ability to store reference name subs—same customer name, but different subaccounts. trust accounts and other 39。beneficiary39。 accounts block or stop specific accounts record accountspecific warning codes identify 39。dormant39。 or inoperative accounts identify 慳ccount officer’ or 憆elationship manager’B. Online account enquiries, including: account status reports transaction lists stop payment instructions plete breakdown of interest and charges automated account closing processesC. Account statements should: be produced periodically, adhoc, when a specified activity occurs,or after a given number of transactions also report balances of other accounts for the customer produce duplicate or multiple copies include textual descriptions of transaction details provide other messages to customers1. Detailed notifications of interest and charges accrued for an account (or account grouping) and to be charged at a future date, including a plete breakdown of the calculation basis for each amount accrued.2. Userdefined, preformatted account advices produced automatically or on request, including: standard letters (. interest rate changes) unauthorised or excess overdraft advices prior notification of interest/charges ing due/payable confirmation of receipt of funds delivery of payment documentation other adhoc advicesD. Support the grouping of two or more of a customer抯 accounts for interest, charging and reporting purposes: 憇oft’ charging arrangements based upon grouped account positions and activity produce status, accrual and activity information for an account groupingE. Record a 慸omicile’ or reporting corporate unit for customer accounts.F. Support cheque account administration processes, including: generating cheque and deposit book printing instructions。 recording cheque and deposit books ordered and issued。 tracking and verifying serial numbers of items presented against issued details。 recording customers39。 stop payment instructions and monitoring account transactions to locate 39。stop suspects39。 monitor and report on account activity and highlight unusual situationsVI. Customer lending A. Support the following lending types: 固定期限的回款貸款fixed term repayment loans。 fully fluctuating (debit/credit) current account lending。 revol
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