CML项目-小微贷款-需求规格说明书

包商银行_815_CML项目_小微贷款_需求规格说明书PAGE20ofNUMPAGES59XX银行_815_CML项目_小微贷款_需求规格说明书文档状态文档编号[√]Draft[]Released[]Modifying编撰Frank编撰日期2014/6/15保密级别文档版本V5.3XX银行股份有限公司[2014年6月]修订表编号版本修订人修订章节与内容修订日期V1.0Frank创建文档2014/6/15V2.0Frank修改需求2014/07/02V3.0Frank修改需求2014/07/22V4.0Frank修改需求2014/08/21V5.0Frank修改需求2014/09/24V5.1Frank修改需求2014/10/24V5.2Frank修改需求2014/11/06V5.3Frank修改需求2014/11/11审核记录版本审核人审核意见审核日期目录TableofContentsTOC\o"1-4"\h\z\u[2014年6月] 11. 文档说明Introduction 61.1. 文档目的Purpose 61.2. 内容介绍Overview 61.3. 术语表Glossary 62. 815资产项目整体方案介绍815AssetProjectSolutionOverview 72.1. 系统整体架构OverallSolutionArchitecture 72.2. 贷款核算系统与周边系统集成图IntegrationbetweenCMLandSurroundingSystem. 73. XX资产业务需求分析TheBRAnalysisofBSBAssetBusiness 83.1. XX小微一般贷款业务介绍BSBSMEgeneralloanbusinessintroduction 83.1.1 XX小微一般贷款业务描述BusinessDescriptionofBSBSMEgeneralloan 83.1.2 XX小微一般贷款产品目录ProductlistofBSBSMEgeneralloan 103.2. XX小微一般贷款核算交易需求详述BRAnalysisforBSBSMEgeneralloanBusinessTransactionsinDetail 123.2.1 借据管理ContractManagement 123.2.2 借据放款Disbursement 153.2.3 贷款结息，计提和摊销InterestSettlement,Accrual&Deferral 163.2.4 罚息和复利处理IOAProcessing 183.2.5 手工结罚息ManualIOAcalculationandpost 193.2.6 贷款还款Payment 203.2.7 提前还款Prepayment 243.2.8 贷款结清(计划关闭)Plannedcompleted 253.2.9 税费收取ChargeforExpense/Tax 263.2.10 还款计划变更ChangePaymentPlan 273.2.11 形态转移及手工形态转移AutoandManualStatusTransfer 283.2.12 贷款机构转移OrganizationChangeforLoanContract 293.2.13 客户经理变更ChangeofCustomerOfficer 293.2.14 贷款账户信息查询LoanAccountInfoEnquiry 303.2.15 贷款展期LoanExtension 313.2.16 主动减免Waiver 333.2.17 贷款核销LoanChargeOff 333.2.18 冲销Reversal 343.3. XX小微一般贷款同类型其他产品的特殊处理ExceptionProcessingofOtherProductsunderBSBSMEGeneralLoan 353.3.1 不规则还款IrregularRepayment 353.3.2 小额存单质押贷款SmallDepositPledgeloan 373.3.3 循环贷Revolvingcredit 383.3.4 利率优惠相关产品功能Interestpreferentialrelatedloanfunction 383.4. XX小微垫款业务介绍BusinessIntroductionofBSBSMEadvanceloan 403.4.1 XX小微垫款产品目录ProductslistofBSBSMEadvanceloan 403.4.2 XX小微垫款业务描述BusinessDescriptionofBSBSMEadvanceloan 413.5. XX小微垫款核算交易需求详述BRAnalysisforBSBSMEAdvanceLoanBusinessTransactionsinDetail 433.5.1 借据管理ContractManagement 433.5.2 借据放款Disbursement 463.5.3 罚息处理IOAprocessing 473.5.4 贷款还款Payment 483.5.5 贷款结清（计划关闭）Plannedcompleted 503.5.6 主动减免Waiver 503.5.7 形态转移及手工形态转移AutoandManualStatusTransfer 513.5.8 税费收取ChargeforExpense/Tax 523.5.9 贷款机构转移OrganizationChangeforLoanContract 533.5.10 客户经理变更ChangeofCustomerOfficer 543.5.11 贷款账户信息查询LoanAccountInfoEnquiry 553.5.12 贷款核销LoanChargeOff 563.5.13 冲销Reversal 57

文档说明Introduction文档目的Purpose小微贷款需求说明书着眼于从业务角度了解、收集并确认XX银行小微贷款的业务需求。SMELoanBusinessRequirementSpecificationisaimingatunderstanding,collectingandconfirmingBSBLoanbusinessrequirementfromabusinessperspective.内容介绍Overview小微贷款需求说明书主要包括以下内容:• 小微贷款业务的描述• 小微贷款产品明细目录• 基本产品业务需求及核算流程• 特殊产品业务需求及核算流程Thisbusinessrequirementspecificationcoversthefollowingcontents:DescriptionoftheSMELoanProductListsofSMELoanBusinessrequirementandsettlementprocessofSMELoanBusinessrequirementandsettlementprocessofspecialSMEgeneralLoan术语表Glossary术语Term描述DescriptionNPS非统一支付平台，在XX银行815项目中主要是接入和集成功能，业务层通过NPS与交易层进行交互Non-uniformpaymentSystemplaysanimportantroleinaccessingandintegrationin815AssetProject.BusinesslayerandtransactionlayerinteractwitheachotherviaNPS.CMIS信贷系统，由宇信提供的前台处理系统。Pre-loansystem,developedbyYUXIN.MDS银行的主数据系统MasterdatasystemFDM银行的过账、分录生成及科目日结单生成系统Posting、journalizingandaccountdailystatementgenerationsystemCPS银行的统一作业调度系统Centraljob-ProcessingsystemCML/ECC6.06贷款管理核心系统平台LoanmanagementcoreplatformDM/BPP8.0存款管理核心系统平台Depositmanagementcoreplatform815资产项目整体方案介绍815AssetProjectSolutionOverview系统整体架构OverallSolutionArchitecture图2.1:815资产项目整体系统架构图OverallAssetSolutionArchitecture贷款核算系统与周边系统集成图IntegrationbetweenCMLandSurroundingSystem.图2.2:815贷款核算系统与周边系统集成图IntegrationbetweenCMLandSurroundingSystemXX资产业务需求分析TheBRAnalysisofBSBAssetBusinessXX小微一般贷款业务介绍BSBSMEgeneralloanbusinessintroductionXX小微一般贷款业务描述BusinessDescriptionofBSBSMEgeneralloan小微一般贷款是XX银行为小微贷款客户发放的贷款。TheSMEGeneralloanistheloanthatBaoshangBankofferstoSMEcustomers.贷款基本属性如下：Generalattributesasfollowing:项目Item说明Description客户对象BPObject小微企业法人、小微个人SMEBusinessentity,SMEpersonage期限Term短期（1年以内）Shortterm(within1year)中长期（大于1年，小于30年）Mid-longterm(greaterthan1yearandlessthan30years)币种Currency人民币、外币（目前只需要支持英镑和港币）RMB,foreigncurrency(onlysupportGBPandHKD)期供方式PaymentTerm期供、非期供TermPayment,Non-TermPayment还款间隔PaymentPeriod周、月、季度、半年、年Weekly,Monthly,Quarterly,Halfayear,Yearly还款方式PaymentMethod期供：等额本息、等额本金TermPayment:Installment,Annuity非期供：分期付息到期一次还本、利随本清Non-TermPayment:Interestpaidbypaymentperiod,repayprincipalonmaturity,interestandprincipalcollectedonmaturitydate特殊方式：不规则还款SpecialMethod:IrregularPayment利率模式Interestratemode固定利率（不参加利率调整）FixedInterestRate浮动利率（保留小数点后7位，共15位）FloatInterestRate利率调整方式InterestRateAdjustmentType固定不变、立即调整、每年1月1日调整Fixed,Adjustmentimmediately,Adjustmentonfixedperiod计息方式InterestcalculationType按实际天数计息,算头不算尾；Calculatebasedonactualdaysincalendarincludesthefirstdayandnotincludesthelastday.对于货币为英镑和港币的贷款，一年按365天计算；人民币的贷款一年按照360天计算；ForGBPandHKDloans,itis365daysforoneyear;ForRMBloans,itis360daysforoneyear.借款来源FundingSource自营Self-Operation是否额度贷款FacilityLoan(Yes/No)部分产品为额度下贷款，包括：小额存单质押，套用循环贷功能的一般贷款产品，SomeproductsareFacilityloan.是否贴息InterestSubsidy(Y/N)部分产品有贴息，但贴息无需在核心系统体现。Yes.还款日RepaymentDate默认首次还款日规则如下（规则还款）：Defaultruleforthefirstrepaymentdate:*假定还款日为21日。Assumetherepaymentdateis21.按月还款：每月还款日还款Monthly:Repaymentoccursontherepaymentdateeverymonth.例如：放款日2014.01.20，默认首次还款日2014.01.21

放款日2014.01.22，默认首次还款日2014.02.21

按季还款：每年3月、6月、9月、12月的还款日还款Quarterly:RepaymentoccursontherepaymentdateofMarch,June,September,andDecember.例如：放款日2014.03.20，默认首次还款日2014.03.21

半年还款：每年6月、12月的还款日还款Halfayear:RepaymentoccursontherepaymentdateofJuneandDecember.例如：放款日2014.06.20，默认首次还款日2014.06.21按年还款：每年12月的还款日还款Yearly:RepaymentoccursontherepaymentdateofDecember.例如：放款日2014.12.20，默认首次还款日2014.12.21按周还款：放款日+7天Weekly:Sevendaysafterdisbursementdate.双周还款：放款日+14天Bi-weekly:Fourteendaysafterdisbursementdate.月末还款规则：Monthendrepaymentrules:若设置为28日，则每期还款日都为28日；Ifsettherepaymentdateas28,therepaymentdateforeachtermis28.若设置为30日，则每期还款日为30日，2月例外，还款日为28日或29日；Ifsettherepaymentdateas30,therepaymentdateforeachtermis30,butforFeb.therepaymentdateis28or29.若设置为31日，则每期还款日为月末。Ifsettherepaymentdateas31,therepaymentdateforeachtermisthemonthendday.XX小微一般贷款产品目录ProductlistofBSBSMEgeneralloan序号No.产品分类ProductType产品名称ProductName1小微贷款SMEGeneralLoan保时节KeepSeason2商赢宝BusinessWin3保商赢KeepWin4诚信贷A款GoodfaithA5诚信贷B+1款GoodfaithB+16抵好贷Mortgageloan7质好贷Pledgeloan8积金贷Score-basedinterestrefundLoan9展商赢Exhibitorloan10翼购贷Consumerloan11农具宝FarmToolsloan12农联宝Farmersunionloan13农丰宝Harvestloan14乳业宝Dairyloan15新农村创富NewWealthCreation16富农1+1RichPeasant1+117保好贷loanwithguarantee18车好贷Vehicleloan19联好贷Jointguaranteeloan20市好贷GoodMarketloan21龙头贷Leadingenterprisesloan22互助赢Mutualcooperationloan23商圈贷BusinessCircleloan24设备贷Equipmentloan25保险贷Insuranceloan26租金贷loanforrent27存货动产抵质押InventoryandMovablepropertypledgeloan28应收账款质押Accountsreceivablepledgeloan29聚好贷Group30小额存单质押SmallDepositPledgeloan

XX小微一般贷款核算交易需求详述BRAnalysisforBSBSMEgeneralloanBusinessTransactionsinDetail借据管理ContractManagement借据创建ContractCreation项目Item说明Description业务描述BusinessDescription需逐笔审批的贷款业务，贷款申请在信贷系统获得核准后，从信贷系统提交核心系统创建借据，相关信息通过接口导入到核心系统；Fortheloanwhichshouldbeapproved,aftertheloanapplicationisapprovedinCMISsystem,CMISsystemwilltriggerCMLsystemtocreatecontractandalltheinformationneededwillbetransferredviatheinterface.不需逐笔审批的贷款业务，如小额存单质押等贷款品种，额度/主合同申请在信贷系统获得批准后，客户可从自主渠道发起创建借据并放款。Fortheloanforwhichthereisnoneedtoapprove,suchasthesmalldepositpledgeloan,afterthecreditlimitormaincontractisapprovedinCMISsystem,thecustomercouldapplytocreatethecontractviaself-servicechannels.业务需求BusinessRequirement放款账户DisbursementAccount：自主支付，贷款发放到结算账户中。需维护客户账户；ForSelf-pay,theloanwillbedisbursedtopersonalsettlementaccount;受托支付，贷款发放转至约定的一个或多个交易账户，需维护第三方账户；Forthetrusteepayments,theloanwillbetransferredtooneormoretradingaccountsagreed;还款账户：系统支持对于一个贷款借据，可选择多个还款账户（可以为不同还款人），系统支持指定还款顺序；Repaymentaccount:CMLsystemallowstheusertoselectmultiplerepaymentaccounts(canfromdifferentpeople),anddefinethesequenceofrepayment;贷款利率设置方式：Theinterestratesettingmode:基础利率维护：使用XXXGUI维护基础利率，外币由统一报价平台维护；Maintenanceforthereferenceinterest:maintainthereferenceinterestviaXXXGUI.在额度或主合同层面需制定固定利率或浮动利率（利率浮动值或利率浮动比率）；Thefixedinterestrateortheinterestratefloatingratioshouldbespecifiedinthefacilitiesormaincontract.柜员在发放贷款时，根据额度或主合同层面的设定值，输入固定利率或输入浮动比率，从而获得执行利率。当基础利率调整时，该浮动比率仍有效，基于新的基础利率确定该笔贷款新的执行利率。Thetellershouldinputthefixedinterestrate,orinputsinterestratefloatingratioandthesystemautomaticallycalculatesthenominalinterestrate.Whenthereferenceinterestrateisadjusted,thisinterestratefloatingratioisstilleffective,andthenewnominalinterestratewillbecalculatedbasedonthenewreferenceinterestrate.处理渠道ProcessingChannel信贷系统、自助渠道CMISsystem,Self-servicechannel处理方式ProcessingMethod实时逐笔Real-timeindividually节假日处理HolidayProcessing不适用NotApplicable客户信函CustomerCorrespondence不适用NotApplicable收取税费Tax/Charges不适用NotApplicable会计分录AccountingEntries不适用NotApplicable借据修改ContractChanges项目Item说明Description业务描述BusinessDescription借据创建后，银行按业务需要或客户要求对借据的相关内容进行调整。Afterthecontractcreation,thebankcanmodifysomecontentsofthecontractbasedoncustomer’sdemandsorfunctionalrequirements.业务需求BusinessRequirement贷款发放前除了产品类型、贷款借据号外均可进行修改；Beforedisbursement,allthecontents,excepttheloantype,loancontractnumber,canbemodified.贷款发放后可修改还款方式、还款间隔、执行利率（固定利率模式）、利率浮动值或利率浮动比率、罚息浮动比率、利率调整方式、利率调整周期、还款账号、还款日；Afterdisbursement,onlytheloanterm,repaymentmethod,repaymentinterval,nominalinterestrate(fixedinterestratemode),interestratefloatingratio,penaltyinterestratefloatingratio,interestrateadjustmenttype,interestrateadjustmentperiod,repaymentaccount,repaymentdatecanbemodified;修改第一还款账户时，必须保证新账户是借款人客户项下的活期结算账户；Tochangethefirstrepaymentaccount,thenewrepaymentaccountshouldbethecurrentsettlementaccountofloanapplicantorrelatedpersonunderthecustomernumberinDMsystem.修改还款账户时，旧账户需要进行BP解约，新账户需进行BP签约；Whentherepaymentaccountischanged,itisneededtodotheBPterminationfortheoldrepaymentaccount,anddotheBPsigningforthenewrepaymentaccount.需要多级审批；(审批）Multi-approvalisneeded.(approval)贷款到期日当天，不可以进行借据修改；（检查）Itisnotallowedtodothecontractchangeonthematuritydateoftheloan;(checks)处理渠道ProcessingChannel信贷系统、核心系统前台CMIS,FrontendofCMLsystem处理方式ProcessingMethod实时逐笔Real-timeindividually节假日处理HolidayProcessing不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries详见会计文档Refertotheaccountingdocuments借据撤销ContractCancellation项目Item说明Description业务描述BusinessDescription银行或客户根据需要，对已经创建但未发放的借据进行撤销；Thesystemallowsbankorthecustomertocancelacontractthathasbeencreatedbutnotbedisbursed;业务需求BusinessRequirement对于已放款借据的撤销：需要先冲销（抹账），再撤销；Forthecancellationofcontractwithdisbursedstatus,theprerequisiteistoreversalthiscontractatfirst,thenwithdrawal;对于未放款借据的撤销：系统支持在借据撤销时出具已创建但尚未发放的贷款借据清单（包含放款日期和合同日期的信息用于判断是否需要撤销），并通过选择列表和保存的方式进行借据的撤消；Forcontractcancellationofwithoutdisbursement,Whencancelcontract,thesystemallowstolistthosecontractswhichhavebeencreatedbuthavenotbeendisbursed(includingdisbursementdateandcontractcreationdate,theseinformationareusedtodeterminewhethercontractcancellationisneeded).Andusercanselectandsavethecontracttobecancelled.系统支持在借据撤销的时候，从接口获取借据号撤销该笔贷款借据;Thesystemallowsinputtingcontractnumberfrominterfacetocancelcontract.需要多级审批。Multi-approvalisneeded.处理渠道ProcessingChannel核心系统前台FrontendofCMLsystem处理方式ProcessingMethod实时逐笔Real-timeindividually节假日处理HolidayProcessing不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries详见会计文档Refertotheaccountingdocuments借据放款Disbursement项目Item说明Description业务描述BusinessDescription借据创建后，银行向目标账户放款。Afterthecontractiscreated,thebankdisbursestheloantothetargetaccount.业务需求BusinessRequirement借据放款流程如下：Theprocessofdisbursementisasbelow:受托支付情况下，借据层面需记录受托支付相关第三方账户信息(非主借款人)，系统支持先将贷款金额发放到主借款人结算账户，然后将款项转入第三方账户；Forthetrusteepayment,therelatedthirdparty(Non-MainBorrower)informationshouldberecordedinthecontract,andthesystemsupportstodisbursetheloantothemainborrower’saccountfirstly,andthentransferthemoneyfromthemainborrower’saccounttothethirdpartyaccount;放款时借据如有预扣款，系统支持先将贷款金额全额发放到客户放款帐户，然后从此帐户中扣除相应的预扣款金额；Ifthereispre-paiditemfortheloanduringdisbursement,thesystemsupportstodisbursethewholeamountoftheloantothecustomer’sdisbursementaccount,andthendeductthepre-paidamountfromthisaccount;借据放款时，还款账户需进行BP签约；ItisneededtodotheBPsigningduringdisbursement;需要多级审批。（审批）Multi-approvalisneeded.处理渠道ProcessingChannel信贷系统，自助渠道CMISsystem,Self-servicechannel处理方式ProcessingMethod实时逐笔Real-timeindividually节假日处理HolidayProcessing不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges详见税费收取章节RefertoExpense/TaxChapter会计分录AccountingEntries详见会计分录文档Refertotheaccountingdocuments贷款结息，计提和摊销InterestSettlement,Accrual&Deferral项目Item说明Description业务描述BusinessDescription结息是指银行在借据约定的日期对客户本期应归还的利息及（或）本金计算及过账；InterestSettlementistheprocessthatthebankcalculatesandpoststheinterestand(or)theprincipalpayableforthecurrenttermonthedateagreedinloancontract.计提是指在资产负债表日银行对贷款剩余本金计算利息收入并入账的过程，小微类贷款使用日终自动计提；Accrualistheprocessthatthebankcalculatesandbookstheinterestincomefortheremainingprincipalonthebalancesheetdate.ForSMEloan,automaticallyaccrualattheendofthedayisused.摊销是指在资产负债表日银行对预先收取的利息或费用确认为利息或费用收入的过程。Deferralistheprocessthatthebankchargestheinterestorfeewhichwasidentifiedasinterestorfeeincomeinadvanceonthebalancesheetdate.业务需求BusinessRequirement正常利息NormalInterest执行利率NominalInterestrate：固定利率Fixedinterestratemode正常贷款执行利率=借据注明的贷款执行利率NominalInterestRate=InterestRateagreedincontract浮动利率Floatinginterestratemode按值浮动value：利率浮动值=借据注明的利率浮动值Interestratefloatingvalue=interestratefloatingvalueagreedincontract正常贷款执行利率=基准利率+利率浮动值Nominalinterestrate=referenceinterestrate+interestratefloatingvalue按比例浮动ratio：利率浮动比率=借据注明的利率浮动比率InterestRateFloatingRatio=InterestRateFloatingRatioagreedincontract正常贷款执行利率=基准利率*（1+利率浮动比率）NominalInterestRate=ReferenceInterestRate*(1+InterestRateFloatingRatio)利息Interest：正常贷款利息=正常本金*正常贷款执行利率*计息天数/360(or365)Normalinterest=Principal*NominalInterestRate*Interestdays/360or365按实际天数计息：按日历实际天数计算，算头不算尾;Actualday-base:It’sbasedonactualdaysincalendarincludesthefirstdayandnotincludesthelastday.对于货币为英镑和港币的贷款，一年按365天计算；人民币的贷款一年按照360天计算;ForGBPandHKDloans,itis365daysforoneyear;ForRMBloans,itis360daysforoneyear.利息计提&摊销InterestAccrual&Deferral核销状态的贷款不需要进行利息计提；Ifthestatusofthecontractischargeoffornon-accrual,thereisnoneedtodointerestaccrual.应收利息计提在每月末前一天，月末当天进行利息计提，每月计提两次（无论这一天是否是工作日）；Theinterestreceivableshouldbeaccruedonthedaybeforetheendofamonth,anditalsoshouldbeaccruedattheendofamonth.Twiceamonth(Nomatterwhetheritisaworkingdayornot).应收利息计提按贷款借据逐笔计算，按机构或按产品（对应利息收入科目不同）或已减值类型等其他维度分别以一笔凭证入账处理。系统能按机构或事业部等维度生成计提的明细清单；Interestreceivableiscalculatedcontractbycontract;thepostingisprocessedonlyonceaccordingtodimensionssuchasorganizationorproducttype(differentincomecorrespondstodifferentaccount)ordevaluationtype.支持利息计提试算功能；Systemallowssimulatinginterestaccrual.若是计提期间有利率调整，需要分段计息；Ifthereisinterestrateadjustmentduringaccrualperiod,itisneededtocalculateinterestsonmulti-stagebasis处理渠道ProcessingChannel核心系统日终CMLsystem处理方式ProcessingMethod批量处理BatchProcessing节假日处理HolidayProcessing不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries不适用Notapplicable罚息和复利处理IOAProcessing项目Item说明Description业务描述BusinessDescription贷款还款出现逾期后，银行对欠还的本金和利息按周期计收罚息和复利并过账。Whentheoverduerepaymentoccurs,thebankwillcalculateandchargethePenaltyinteresttotheoverdueprincipalandcalculatethecompoundinteresttotheoverdueinterest.业务需求BusinessRequirements罚息（复利）利率IOArate：罚息（复利）浮动比率=借据注明的罚息浮动比率IOArateFloatingRatio=IOArateFloatingRatioagreedincontract逾期贷款罚息（复利）执行利率=执行利率*（1+罚息（复利）浮动比率）NominalIOArate=NominalinterestRate*(1+IOArateFloatingRatio)罚息（复利）IOA：逾期贷款罚息=逾期本金*罚息执行利率*逾期天数/360(or365)PenaltyInterest=overdueprincipal*NominalIOARate*Overduedays/360(or365)逾期贷款复利=应收利息*复利执行利率*逾期天数/360(or365)Compoundinterest=interestreceivable*NominalIOArate*Overduedays/360(or365)处理渠道ProcessingChannel核心系统CMLsystem处理方式ProcessingMethod批量处理Batchprocessing节假日处理HolidayTreatment不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries不适用Notapplicable手工结罚息ManualIOAcalculationandpost项目Item说明

Description业务描述BusinessDescription手工结罚息是指银行对一笔贷款的逾期本金和逾期利息试算并结算罚息的功能。ManualIOAcalculationandpostreferstothebankmanuallycalculatesandpoststhepenaltyinterestforoverdueprincipleandinterestinaloancontract.业务需求BusinessRequirements适用于已经有逾期本金或逾期利息的合同。Thisfunctionappliestoacontractwithoverdueprincipleandinterest.其余参考4.4.罚息复利处理部分。OtherpartsrefertotheIOAprocessingpart.处理渠道ProcessingChannel核心系统前台FrontendofCMLsystem处理方式ProcessingMethod实时逐笔On-timerealtimeindividually节假日处理HolidayTreatment不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries详见会计文档Refertotheaccountingdocuments贷款还款Payment正常还款RegularPayment项目Item说明Description业务描述BusinessDescription银行的还款方式有两种：TherearetwowaysforRepayment:系统在贷款期供扣款日及到期日日终自动直接扣划TheCMLsystemautomaticallydeductstheamountofrepaymentattheendofduedayviaEODjobs;客户主动现金还款Customertakesinitiativetorepaywithcash.标准的支付方式是自动扣划。

Thestandardmethodofpaymentisautomaticallydeduction.业务需求BusinessRequirements系统自动从客户的还款账户扣款时，只支持有多少扣多少。Whentherepaymentaccountdoesn’thaveenoughmoneyfortherepayment,systemstilldeductsallthemoneyintherepaymentaccount.当还款款账户余额不足时,根据原贷款的状态会有以下两种不同的扣款顺序：Forthecondition2,systemshouldsupporttwokindsofpaymenthierarchyforautodeductionbasedonthestatusofthecontract:应计贷款的还款顺序:Foraccrualloan:第一还款顺序：按照时间越靠前的还款计划，越先归还的原则；1strepaymentorder:Fromtheoldestitemstothenewestitems.第二还款顺序：按照先归还罚息，再归还利息，然后归还本金原则；2ndrepaymentorder:Firstlyrepaypenaltyinterest,secondlyinterest,andthenprincipal.非应计贷款的还款顺序:ForNon-accrualloan:

第一还款顺序：按照时间越靠前的还款计划，越先归还的原则；1strepaymentorder:Fromtheoldestitemstothenewestitems第二还款顺序：按照先归还本金，再归还利息，然后归还罚息原则；2ndrepaymentorder:Firstlyrepayprincipal,secondlyinterest,andthenpenaltyinterest.还款方式Repaymenttype还款方式Repaymenttype描述Description计算公式Calculationformula等额本金Installment等额本金是指一种贷款的还款方式，是在还款期内把贷款总额等分，每月偿还同等数额的本金和剩余贷款在该月所产生的利息。Equalrepaymentamountsdistributedoverthefullterm.Eachmonthrepaytheequalamountofprincipalandtheinterestthatgeneratedbytheremainingprincipal.每月还款金额=(贷款本金/还款月数)+(本金-已归还本金累计金额)*月利率MonthlyRepaymentamount=(commitmentcapital/totalmonths)+(commitmentcapital–repaidprincipal)*monthlyinterestrate等额本息Annuity等额本息还款法，即借款人每月按照相等的金额偿还贷款本息，其中每月贷款利息按月初剩余贷款本金计算并追月结清。Thesumofinterestpaymentandrepaymentamounts(annuity)isconstant.Overtime,thestructureoftheannuitychanges.Theinterestamountfalls,whiletheprincipalamountincreases.

每月还款金额=[贷款金额*月利率*(1+月利率)^还款月数]/[(1+月利率)^还款月数-1]MonthlyRepaymentamount=[commitmentcapital*interestrate*(1+interestrate)^totalmonths]/[(1+interestrate)^totalmonth-1]按期付息，到期还本Interestpaidbypaymentperiod,repayprincipalonmaturity借款人在贷款期限内分期归还利息，但不归还本金。在到期后，一次性归还本金。Forloanshasshortterm(lessthanorequal1year),theborrowerrepaytheinterestattheduedateofeachpaymentperiod(monthly,orquarterly).Onmaturity,repayalltheprincipal.利随本清Fullrepaymentonmaturity利随本清的还款方式即借款人在借款到期日一次性还清借款本金和利息。Fullrepayment,includingprincipalandinterest,attheendoftheterm.不规则还款法IrregularRepayment不规则还款方式即根据银行和借款人的协商，支持客户根据资金流情况安排还款计划，在贷款申请时即约定分次归还本金的金额和日期，形成不规则还款计划表。这种贷款的还本金间隔不固定，无规律，故成为不规则还款。应该可以说，该种还款方式可以实现“想怎样还就怎样还”。Forthiskindrepaymentmethod,thepaymentperiodisunfixedandirregular,soitiscalledirregularrepayment.不规则还款法基于等额本金、等额本息、按期付息，到期还本生成的还款计划进行调整，形成不规则还款计划表。Basedonthepaymentplanforregularrepayment,adjustmentwillbedoneandnewpaymentplanforirregularrepaymentwillbecreated.基于等额本金与等额本息的不规则还款，支持针对某一期选择本金金额，系统自动计算利息或选择本金+利息金额，系统自动倒算本金及利息。Fortheirregularrepaymentbasedoninstallmentorannuity,thesystemsupporttoautocalculatetheinterestifyouselectthe“principal”,andautocalculatetheinterestandprincipalifyouselectthe“principal+interest”.不规则还款暂只支持固定利率。Onlythefixedinterestrateissupportedbyirregularrepaymentcurrently.处理渠道ProcessingChannel核心系统前台、核心系统、自助渠道（手机银行）FrontendofCMLsystem,CMLsystem,Self-Servicechannel(mobilebanking)处理方式ProcessingMethod实时逐笔、批量处理Real-timeindividually,Batchprocessing节假日处理HolidayTreatment不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries详见会计相关文档Refertotheaccountingdocuments逾期归还PastDuePayment自动逾期归还AutoPastDuePayment项目Item说明Description业务描述BusinessDescription贷款借据出现逾期本息后，系统每日自动检查借据关联的多个还款人账户余额，如有资金则自动扣划归还逾期本息。Aftercontractsispastdue,thesystemautochecksthebalanceofthemultirepaymentaccountsthatallocatedinthephaseofcontractcreation,ifhavebalance,thenautodeductthebalancetorepayoverdueloan.业务需求BusinessRequirements当借据逾期后，系统支持自动检查其还款账户是否有余额可供归还；Aftercontractispastdue,systemsupportstoautocheckifthereisanybalanceinrepaymentaccount.当借据逾期后，系统支持每日从贷款人账户批量扣除复利、罚息、逾期本金利息和逾期本金，如果扣不到款，不进行处理；Aftercontractispastdue,systemsupportstoautodeductthecompoundinterest,penaltyinterest,interestandtheoverdueprincipaloftheloandaily.Ifnobalanceinrepaymentaccount,thendonothing.如果扣划的资金不够归还该借据所有的逾期本息，扣划规则详见4.4.1；Therepaymentaccounthasnotenoughmoneytodeduct,thedeductrulecouldbefoundinchapter4.4.1;其余参考正常还款处理部分。Otherpartsrefertotheregularpayment.处理渠道ProcessingChannel核心系统CMLsystem处理方式ProcessingMethod批量处理Batchprocessing节假日处理HolidayTreatment不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries详见会计相关文档Refertotheaccountingdocuments主动逾期归还GeneralPastDuePayment项目Item说明Description业务描述BusinessDescription客户主动向银行归还逾期贷款本息。Thecustomercomestothebanktorepaythepenaltyinterest,interestandprincipalfortheoverdueloan.业务需求BusinessRequirements系统支持按客户指定的还款本金或利息的金额，对于逾期贷款进行归还；Systemsupportstorepayprincipalorinterestthatspecifiedbycustomerforpastdueloan.可以指定还款顺序（本金，利息，罚息，复利等）；systemallowstospecifyrepaymentorder(principal,interest,penaltyinterest,compoundinterestandsoon)其余参考正常还款主动还款处理部分.Otherpartsrefertotheregularpayment.处理渠道ProcessingChannel核心系统前台、自助渠道FrontendofCMLsystem,Self-servicechannel处理方式ProcessingMethod实时逐笔Real-timeindividually节假日处理HolidayTreatment不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges不适用Notapplicable会计分录AccountingEntries详见会计相关文档Refertotheaccountingdocuments提前还款Advancepayment项目Item说明Description业务描述BusinessDescription提前还款是指由客户发起的提前对贷款本金及利息偿还的过程，偿还金额可以为全额或部分金额。Advancepaymentreferstoinadvancerepaymentoftheloanprincipalandinterestinitiatedbythecustomer.Itcanbefullorpartial.业务需求BusinessRequirements系统支持部分提前还款和全部提前还款；Systemsupportspartialadvancepaymentandfullpayoff;提前还款支持两种方式还款：Payoffsupportstwowaysofrepayment:归还的总金额只还本金，同时系统结算提前还款金额从上次结息日到当日的利息，额外归还，归还日为当天；Therepaymentincludestheprincipalthatcustomerinputandinterestcalculatedfromthelastsettlementdatetothekeydate.(Netrepayment)归还的总金额拆分为本金和提前还款金额从上次结息日到当日的利息进行归还。Systemsupportsdividingthetotalamountofrepaymentintoprincipalandinterest,whichcalculatedfromthelastsettlementdatetothekeydate.(Grossrepayment）提前还款时，若是指定新的到期日，系统自动计算贷款提前还款后的期限，和每期的期供金额；若不指定新的到期日，则提前还款后的期限不变，系统自动确定之后每期的期供金额。IfthenewtermenddateisspecifiedduringthePayoff,CMLsystemwillcalculatethenewloantermsandinstallmentsbasedontheoriginalamountofinstallment;ifnonewtermenddateisspecified,thesystemautomaticallydeterminethenewamountofinstallmentbasedontheoriginalloanterms.需要多级审批；（审批）Multi-approvalisneeded.（approval）逾期状态贷款不允许提前还款；（检查）Itisnotallowedtodotheadvancepaymentifthestatusoftheloanisoverdue.(checks)当天发放的贷款不得当天归还；（检查）Itisnotallowedtodotheadvancepaymentonthedaythattheloanisdisbursed.(checks)处理渠道ProcessingChannel信贷系统、自助渠道CMISsystem,Self-serviceChannel处理方式ProcessingMethod实时逐笔Real-timeindividually节假日处理HolidayTreatment不适用Notapplicable客户信函CustomerCorrespondence不适用Notapplicable收取税费Tax/Charges详见税费收取章节RefertoExpense/TaxChapter会计分录AccountingEntries详见会计相关文档Refertotheaccountingdocuments贷款结清(计划关闭)Plannedcompleted项目Item说明Description业务描述BusinessDescription贷款全部到期后，银行成功扣划贷款全部剩余应还金额，关闭贷款账户

。Thebankdebitstheremainingbalanceonmaturitydateandclosestheloanaccount.贷款到期前，客户主动到银行结清全部贷款余额（全部提前还款），关闭贷款账户。Beforeloanmaturitydate,customerinitiatesadvancepaymentoftheremainingbalanceofloanandclosestheloanaccount.业务需求BusinessRequirement系统支持柜台处理和批量自动贷款结清交易；