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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爱aren.co爱m邦 海量免费资碍料尽在此背Outline岸 of bus罢iness f阿unction版al requ稗irement哀s碍埃This ou搬tline s氨ummaris拜es our 半underst瓣anding 翱of the 熬bank笆抯袄 possib跋le busi百ness fu安nctiona碍l requi碍rements扳.
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21、N爸IV跋.seq level1 h r0 拜败Product氨-indepe肮ndent p耙aramete案rs and 艾rules tc l 0 002seq level0 r4 *ROMAN俺IV敖.seq level1 h r0 摆矮Product蔼-indepe八ndent p邦aramete柏rs and 盎rulesseq level1 *ALPHABETIC按A盎.扒盎中心参数和规则盎表,用以建立产皑品、客户、帐户暗信息盎Central艾 parame袄ter and摆 rule t叭ables e稗stablis吧hed ind挨ependen笆tly of 绊produ
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37、ma阿nagerseq level1 *ALPHABETIC按C案.暗唉On-line矮 accoun摆t enqui班ries, i坝ncludin凹g:翱邦斑半account扮 status佰 report耙s 皑按佰跋trans盎action 稗lists疤阿白哀stop pa安yment i熬nstruct澳ions挨耙鞍搬complet爱e break笆down of盎 intere颁st and 吧charges肮啊皑稗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办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奥crued f安or an a瓣ccount 艾(or acc爱ount gr坝ouping)把 and to唉 be cha板rged at把 a futu肮re date版, inclu斑ding a 岸complet办e break办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袄.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肮cluding八:扮哀傲爱standar稗d lette岸rs (e.g傲. inter把est rat拜e chang氨es)肮拜邦颁unautho芭rised o皑r exces敖s overd懊raft ad八vices啊罢暗搬prior n败otifica岸tion of板 intere
41、凹st/char邦ges com疤ing due摆/payabl隘e岸捌肮挨confirm霸ation肮 of rec瓣eipt of按 funds案般岸拜deliver绊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 奥懊Support哎 the gr叭ouping 案of two 扮or more奥 of a c艾ustomer敖抯阿 accoun背ts for 疤interes岸t, char斑ging an罢d repor疤ting pu安r
42、poses:昂傲癌隘憇罢oft ch熬arging 邦arrange阿ments b唉ased up安on grou拔ped acc班ount po罢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败 groupi百ngseq level1 *ALPHABETIC坝F阿.八鞍Record 巴a 哀慸佰omicile疤 or re艾porting皑 corpor挨ate uni八t for c摆ustomer半 accoun按ts.seq level1
43、 *ALPHABETIC安G拔.吧爱Support澳 cheque肮 accoun斑t admin绊istrati捌on proc昂esses, 绊includi白ng:哎坝半懊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 碍ordered爱 and is肮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袄t iss
44、ue安d detai班ls;唉翱绊隘recordi爸ng cust扒omers 笆stop pa案yment i耙nstruct斑ions an碍d monit暗oring a昂ccount 败transac氨tions t胺o locat颁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蔼 highli唉ght unu半sual si搬tuation俺sseq level0 r6 *ROMAN耙VI伴.seq level1 h r0 安按C办ustomer捌 lendin柏g tc l 0 002seq
45、level0 r6 *ROMAN罢VI绊.seq level1 h r0 八摆Custome芭r lendi版ngseq level1 *ALPHABETIC安A扒.绊吧Support拌 the fo胺llowing凹 lendin哀g types绊:百爸柏熬固定期限的回款岸贷款扒fixed t摆erm rep挨ayment 胺loans;颁败敖百fully f啊luctuat霸ing (de半bit/cre阿dit) cu霸rrent a阿ccount 叭lending吧;岸肮绊爱revolvi氨ng line般s of cr柏edit;爱霸班碍分期负款信贷拜instalm八ent cre肮
46、dit;笆鞍跋熬固定还款结构的佰贷款把loans w斑ith irr扮egular 耙repayme傲nt cycl哎es or a肮mounts 把(e.g. l傲oans wi百th repa笆yment h胺olidays稗 or sea盎sonally袄 variab捌le repa班yment c白ycles).seq level1 *ALPHABETIC邦B坝.爸板Record 按and mon霸itor ex疤posure 斑limits 矮and spe爱cific l巴ending 邦limits 阿at each昂 level 笆within 般the ban暗k/cust
47、o颁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皑.碍胺Loan ap扒plicati拔on proc胺essing,唉 to inc疤lude:稗艾氨肮捕捉所有贷款细傲节唉capture绊 loan a凹pplicat伴ion 盎details白拔搬坝计算贷款利率和拜贷款回复摆calcula唉te inte傲rest ra班tes app败licable跋 and lo捌an repa熬yments坝败安敖credit 巴sco
48、ring稗 facili岸ties fo摆r perso矮nal cus斑tomer l拜ending;八 and吧岸扮百calcula挨te key 凹lending艾 ratios摆 for no爱n-perso扳nal cus霸tomers俺拜芭芭derive 袄a bank-疤defined奥 grade 爱for the捌 loan a肮pplicat绊ion蔼扳按啊record 安progres熬s and s瓣tatus o跋f loan 岸applica岸tions i氨n proce班ssing暗斑颁拜produce案 standa耙rd cust啊omer lo拌an do
49、cu跋mentati碍on癌败板澳record 办collate阿ral sec傲urities板 offere案d and t拜aken in绊 respec阿t of lo凹an appl癌ication按s recei扳ved and扳 grante暗d loans白爱稗疤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办ation P疤rocessi澳ng to c拌over:癌吧罢八auto
50、mat败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坝onitor 柏past-du背e situt啊ations稗氨捌昂record 岸Loan Pr傲ovision奥 or Ris啊k Grade啊 (for l捌oan los绊s provi绊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 扮颁Transac佰tion ma隘nagemen肮t tc l 0 002seq level0 r7 *ROMAN奥VII搬.seq level1 h r0 佰办Transac八tion ma盎nagemen袄tseq level1 *ALPHABETIC癌A氨.斑坝Support隘 the fo翱llowing矮 generi昂c types八 of cus瓣tomer t哀ransact拜ions:巴跋绊爱deposit捌s/withd按rawals 叭(includ盎ing cas白h)绊邦把岸transfe哎rs b
52、etw瓣een acc坝ounts叭白澳霸transfe半rs to /搬 from a霸ccounts罢 at oth扮er bank敖s (via 佰 interf艾ace)瓣搬皑蔼direct 坝debit i败nstruct败ions (i白nitiate安d / rec坝eived)矮摆盎伴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奥nts扒耙肮隘bank ch半eque / 凹draft i办s
53、suing瓣盎绊罢loan dr捌aw-down氨s or ma艾turitie扮s斑隘氨凹loan re邦payment爱s (sche稗duled /斑 unsche爸duled)安俺盎暗time de拔posit p哀lacemen氨ts and 奥maturit昂ies暗安霸巴time de绊posit b鞍reaks (熬full / 翱partial澳)癌癌凹拜bureau 奥de chan扳ge acti胺vities傲奥版颁generat碍ed tran爱saction佰s (inte蔼rest ch叭arged /颁 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肮clude:扒摆绊皑create 哀and mai疤ntain t敖ransact凹ion typ瓣es as p哀aramete败rised d笆efiniti安ons跋懊昂斑users a肮mend de斑fault t搬ransact搬ion des埃criptio佰ns or a盎dd addi跋tional 办details敖, in me疤morandu碍m form,扳 when i昂nputtin隘g trans办actions翱 o
55、n-lin半e to a 搬custome俺r白抯癌 accoun挨t (to 氨appear 坝on cust盎omer摆抯熬 statem笆ent).懊凹肮隘on-line摆 transa板ction a盎uthoris袄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坝 status跋, stop 肮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奥t and r半estart 按should 俺be seam隘less.疤袄隘Ability阿 to ref板er all 案necessa懊ry elem氨ents of皑 large 把enough 坝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 办and pot叭ential 扮editing佰, with 搬ability袄 to enf板orce
57、mu俺lti-lev阿el auth熬orizati疤on cont唉rol in 靶this co奥ntext.seq level1 *ALPHABETIC凹C佰.颁叭Issuing安, monit蔼oring a蔼nd inve敖ntory c八ontrol 凹of trav佰ellers霸 cheque绊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奥es tc l 0 002seq level0 r8 *ROMAN摆VI霸II摆.seq level1 h r0 蔼俺
58、Custome霸rs cas懊h manag盎ement f摆aciliti暗esseq level1 *ALPHABETIC肮A扳.胺半On-line敖 or off奥-line e办xternal百 cash m办anageme败nt term板inals l斑ocated 熬in cust疤omers 奥offices霸, which氨 have l般imited 胺access 爱to the 八bank邦抯半 host s叭ystems:哀颁笆唉access 坝strictl凹y limi皑ted by 案access 芭control埃 facili搬ties to碍 only c
59、爱ustomer鞍抯岸 own an袄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肮 relati伴onship跋板颁把complet爸e accou蔼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;靶岸埃罢access 按to trea拔s
60、ury an半d money暗 market柏 rates 摆and pri凹ces;搬巴爱Ability爱 to swe懊ep bank矮 balanc罢es into安 non-ba奥nk mone矮y accou翱nts (e.安g., ove案rnight 肮money m拔arket).办颁吧隘initiat挨ing tre芭asury a跋nd mone翱y marke百t trans拌actions般;白吧昂绊initiat扒ing pay半ments b哀y teleg唉raphic 靶transfe扳r (in G懊BP or f肮oreign 瓣currenc哎y);坝办凹
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