商業(yè)財(cái)務(wù)管理知識-展示頁
2025-06-28 22:49本頁面
【正文】 se rate plus/minus margins Ability to set product fees with specific business rules, ., additional fees charged for different clients, overdrawn accounts, etc.D. Charging rules should include: banded39。tiered39。 single or multiple interest rates (debit or credit) applicable accrual calculation basis (actual calendar days, 360day year, 30day monthly periods, calendar monthly periods). whether credit or debit interest or both soft mission’ rules interest rate structures collateral security requirements the nature of the repayment schedule required fixed term, variable or callable subject to a notification period attract fees and/or missions according to qualifying criteria (. balances, activities, or turnover) be interest bearing or noninterest bearing fixed and variable term loans (using absolute or base interest rates) trust or 慹scrow’ deposit accounts current (cheque) accounts accessible only to authorised users (other than enquiry) 由參數(shù)和產(chǎn)品組件來定義產(chǎn)品defined by variable parameters or product 39。 Cashflow forecastingIII. Product management A. Products should be: ) risk reports interest rate sensitivity reports Risk Asset Ratio (RAR) requirements Asset and Liability Management reporting, such as: liquidity (39。 transaction volume analyses operating expenses and revenue analyses profit and loss account 成本中心的會計(jì)（首先取決于業(yè)務(wù)模式） 對多幣種的支持cost centre accounting. Multi currency B. General Ledger Ability to create parentchild (nested) relationships between accounts. The system must be able to acmodate multiple layers of relationships. All ledgers shall be tightly integrated such that a change to a subledger automatically updates its parent ledger(s). The G/L system must provide an autoreconciliation function for the subledgers related to a parent ledger. B. VAT and other applicable taxation activities , including support for CRT and MIRAS calculation and reporting requirementsC. Budgeting and financial reporting includes: 銀行定義的會計(jì)表bankdefinable Chart of Accounts. customer advices produced to letter quality. second user authorisation for specific transactions or events. 對多幣種的支持multicurrency. 記錄和維護(hù)客戶、帳戶和產(chǎn)品關(guān)系record and maintain Customer, Account and Product relationships. This outline summarises our understanding of the bank抯 possible business functional requirements.I. Overall application systems architecture The system will cover the following: 單獨(dú)標(biāo)識出客戶、帳戶、產(chǎn)品、公司客戶數(shù)據(jù)族separately identify Customer, Account, Product and Corporate Unit 對多分行的支持multibranch. application programs interactive and self prompting. 在安全日志文件中，保存完整的審計(jì)跟蹤信息full audit trail information in secure journal files copies of advices and reports retained in document archives and retrievable online.II. 統(tǒng)一的會計(jì)、報(bào)表和風(fēng)險(xiǎn)管理Consolidated accounting, reporting and risk management A. 會計(jì)和總帳Accounting and General Ledger, including: backdated and valuedated transactions. balance sheet net interest margin report asset/liability analyses analyses of fees and missions Ability to report and allocate P/L (profitability) at a transaction, customer, account, or any bination thereof. Ability to transfer charge back and profit to any account and/or cost/profit center from any activity.D. 對人行和其他管制機(jī)構(gòu)的報(bào)告PBOC and other regulatory reportingE. Management reporting to
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