CML項(xiàng)目-小微貸款-需求規(guī)格說(shuō)明書(shū)

包商銀行_815_CML項(xiàng)目_小微貸款_需求規(guī)格說(shuō)明書(shū)PAGE20ofNUMPAGES59XX銀行_815_CML項(xiàng)目_小微貸款_需求規(guī)格說(shuō)明書(shū)文檔狀態(tài)文檔編號(hào)[√]Draft[]Released[]Modifying編撰Frank編撰日期2014/6/15保密級(jí)別文檔版本V5.3XX銀行股份有限公司[2014年6月]修訂表編號(hào)版本修訂人修訂章節(jié)與內(nèi)容修訂日期V1.0Frank創(chuàng)建文檔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審核記錄版本審核人審核意見(jiàn)審核日期目錄TableofContentsTOC\o"1-4"\h\z\u[2014年6月] 11. 文檔說(shuō)明Introduction 61.1. 文檔目的Purpose 61.2. 內(nèi)容介紹Overview 61.3. 術(shù)語(yǔ)表Glossary 62. 815資產(chǎn)項(xiàng)目整體方案介紹815AssetProjectSolutionOverview 72.1. 系統(tǒng)整體架構(gòu)OverallSolutionArchitecture 72.2. 貸款核算系統(tǒng)與周邊系統(tǒng)集成圖IntegrationbetweenCMLandSurroundingSystem. 73. XX資產(chǎn)業(yè)務(wù)需求分析TheBRAnalysisofBSBAssetBusiness 83.1. XX小微一般貸款業(yè)務(wù)介紹BSBSMEgeneralloanbusinessintroduction 83.1.1 XX小微一般貸款業(yè)務(wù)描述BusinessDescriptionofBSBSMEgeneralloan 83.1.2 XX小微一般貸款產(chǎn)品目錄ProductlistofBSBSMEgeneralloan 103.2. XX小微一般貸款核算交易需求詳述BRAnalysisforBSBSMEgeneralloanBusinessTransactionsinDetail 123.2.1 借據(jù)管理ContractManagement 123.2.2 借據(jù)放款Disbursement 153.2.3 貸款結(jié)息，計(jì)提和攤銷(xiāo)InterestSettlement,Accrual&Deferral 163.2.4 罰息和復(fù)利處理IOAProcessing 183.2.5 手工結(jié)罰息ManualIOAcalculationandpost 193.2.6 貸款還款Payment 203.2.7 提前還款Prepayment 243.2.8 貸款結(jié)清(計(jì)劃關(guān)閉)Plannedcompleted 253.2.9 稅費(fèi)收取ChargeforExpense/Tax 263.2.10 還款計(jì)劃變更ChangePaymentPlan 273.2.11 形態(tài)轉(zhuǎn)移及手工形態(tài)轉(zhuǎn)移AutoandManualStatusTransfer 283.2.12 貸款機(jī)構(gòu)轉(zhuǎn)移OrganizationChangeforLoanContract 293.2.13 客戶(hù)經(jīng)理變更ChangeofCustomerOfficer 293.2.14 貸款賬戶(hù)信息查詢(xún)LoanAccountInfoEnquiry 303.2.15 貸款展期LoanExtension 313.2.16 主動(dòng)減免Waiver 333.2.17 貸款核銷(xiāo)LoanChargeOff 333.2.18 沖銷(xiāo)Reversal 343.3. XX小微一般貸款同類(lèi)型其他產(chǎn)品的特殊處理ExceptionProcessingofOtherProductsunderBSBSMEGeneralLoan 353.3.1 不規(guī)則還款I(lǐng)rregularRepayment 353.3.2 小額存單質(zhì)押貸款SmallDepositPledgeloan 373.3.3 循環(huán)貸Revolvingcredit 383.3.4 利率優(yōu)惠相關(guān)產(chǎn)品功能Interestpreferentialrelatedloanfunction 383.4. XX小微墊款業(yè)務(wù)介紹BusinessIntroductionofBSBSMEadvanceloan 403.4.1 XX小微墊款產(chǎn)品目錄ProductslistofBSBSMEadvanceloan 403.4.2 XX小微墊款業(yè)務(wù)描述BusinessDescriptionofBSBSMEadvanceloan 413.5. XX小微墊款核算交易需求詳述BRAnalysisforBSBSMEAdvanceLoanBusinessTransactionsinDetail 433.5.1 借據(jù)管理ContractManagement 433.5.2 借據(jù)放款Disbursement 463.5.3 罰息處理IOAprocessing 473.5.4 貸款還款Payment 483.5.5 貸款結(jié)清（計(jì)劃關(guān)閉）Plannedcompleted 503.5.6 主動(dòng)減免Waiver 503.5.7 形態(tài)轉(zhuǎn)移及手工形態(tài)轉(zhuǎn)移AutoandManualStatusTransfer 513.5.8 稅費(fèi)收取ChargeforExpense/Tax 523.5.9 貸款機(jī)構(gòu)轉(zhuǎn)移OrganizationChangeforLoanContract 533.5.10 客戶(hù)經(jīng)理變更ChangeofCustomerOfficer 543.5.11 貸款賬戶(hù)信息查詢(xún)LoanAccountInfoEnquiry 553.5.12 貸款核銷(xiāo)LoanChargeOff 563.5.13 沖銷(xiāo)Reversal 57

文檔說(shuō)明Introduction文檔目的Purpose小微貸款需求說(shuō)明書(shū)著眼于從業(yè)務(wù)角度了解、收集并確認(rèn)XX銀行小微貸款的業(yè)務(wù)需求。SMELoanBusinessRequirementSpecificationisaimingatunderstanding,collectingandconfirmingBSBLoanbusinessrequirementfromabusinessperspective.內(nèi)容介紹Overview小微貸款需求說(shuō)明書(shū)主要包括以下內(nèi)容:? 小微貸款業(yè)務(wù)的描述? 小微貸款產(chǎn)品明細(xì)目錄? 基本產(chǎn)品業(yè)務(wù)需求及核算流程? 特殊產(chǎn)品業(yè)務(wù)需求及核算流程Thisbusinessrequirementspecificationcoversthefollowingcontents:DescriptionoftheSMELoanProductListsofSMELoanBusinessrequirementandsettlementprocessofSMELoanBusinessrequirementandsettlementprocessofspecialSMEgeneralLoan術(shù)語(yǔ)表Glossary術(shù)語(yǔ)Term描述DescriptionNPS非統(tǒng)一支付平臺(tái)，在XX銀行815項(xiàng)目中主要是接入和集成功能，業(yè)務(wù)層通過(guò)NPS與交易層進(jìn)行交互Non-uniformpaymentSystemplaysanimportantroleinaccessingandintegrationin815AssetProject.BusinesslayerandtransactionlayerinteractwitheachotherviaNPS.CMIS信貸系統(tǒng)，由宇信提供的前臺(tái)處理系統(tǒng)。Pre-loansystem,developedbyYUXIN.MDS銀行的主數(shù)據(jù)系統(tǒng)MasterdatasystemFDM銀行的過(guò)賬、分錄生成及科目日結(jié)單生成系統(tǒng)Posting、journalizingandaccountdailystatementgenerationsystemCPS銀行的統(tǒng)一作業(yè)調(diào)度系統(tǒng)Centraljob-ProcessingsystemCML/ECC6.06貸款管理核心系統(tǒng)平臺(tái)LoanmanagementcoreplatformDM/BPP8.0存款管理核心系統(tǒng)平臺(tái)Depositmanagementcoreplatform815資產(chǎn)項(xiàng)目整體方案介紹815AssetProjectSolutionOverview系統(tǒng)整體架構(gòu)OverallSolutionArchitecture圖2.1:815資產(chǎn)項(xiàng)目整體系統(tǒng)架構(gòu)圖OverallAssetSolutionArchitecture貸款核算系統(tǒng)與周邊系統(tǒng)集成圖IntegrationbetweenCMLandSurroundingSystem.圖2.2:815貸款核算系統(tǒng)與周邊系統(tǒng)集成圖IntegrationbetweenCMLandSurroundingSystemXX資產(chǎn)業(yè)務(wù)需求分析TheBRAnalysisofBSBAssetBusinessXX小微一般貸款業(yè)務(wù)介紹BSBSMEgeneralloanbusinessintroductionXX小微一般貸款業(yè)務(wù)描述BusinessDescriptionofBSBSMEgeneralloan小微一般貸款是XX銀行為小微貸款客戶(hù)發(fā)放的貸款。TheSMEGeneralloanistheloanthatBaoshangBankofferstoSMEcustomers.貸款基本屬性如下：Generalattributesasfollowing:項(xiàng)目Item說(shuō)明Description客戶(hù)對(duì)象BPObject小微企業(yè)法人、小微個(gè)人SMEBusinessentity,SMEpersonage期限Term短期（1年以?xún)?nèi)）Shortterm(within1year)中長(zhǎng)期（大于1年，小于30年）Mid-longterm(greaterthan1yearandlessthan30years)幣種Currency人民幣、外幣（目前只需要支持英鎊和港幣）RMB,foreigncurrency(onlysupportGBPandHKD)期供方式PaymentTerm期供、非期供TermPayment,Non-TermPayment還款間隔PaymentPeriod周、月、季度、半年、年Weekly,Monthly,Quarterly,Halfayear,Yearly還款方式PaymentMethod期供：等額本息、等額本金TermPayment:Installment,Annuity非期供：分期付息到期一次還本、利隨本清Non-TermPayment:Interestpaidbypaymentperiod,repayprincipalonmaturity,interestandprincipalcollectedonmaturitydate特殊方式：不規(guī)則還款SpecialMethod:IrregularPayment利率模式Interestratemode固定利率（不參加利率調(diào)整）FixedInterestRate浮動(dòng)利率（保留小數(shù)點(diǎn)后7位，共15位）FloatInterestRate利率調(diào)整方式InterestRateAdjustmentType固定不變、立即調(diào)整、每年1月1日調(diào)整Fixed,Adjustmentimmediately,Adjustmentonfixedperiod計(jì)息方式InterestcalculationType按實(shí)際天數(shù)計(jì)息,算頭不算尾；Calculatebasedonactualdaysincalendarincludesthefirstdayandnotincludesthelastday.對(duì)于貨幣為英鎊和港幣的貸款，一年按365天計(jì)算；人民幣的貸款一年按照360天計(jì)算；ForGBPandHKDloans,itis365daysforoneyear;ForRMBloans,itis360daysforoneyear.借款來(lái)源FundingSource自營(yíng)Self-Operation是否額度貸款FacilityLoan(Yes/No)部分產(chǎn)品為額度下貸款，包括：小額存單質(zhì)押，套用循環(huán)貸功能的一般貸款產(chǎn)品，SomeproductsareFacilityloan.是否貼息InterestSubsidy(Y/N)部分產(chǎn)品有貼息，但貼息無(wú)需在核心系統(tǒng)體現(xiàn)。Yes.還款日RepaymentDate默認(rèn)首次還款日規(guī)則如下（規(guī)則還款）：Defaultruleforthefirstrepaymentdate:*假定還款日為21日。Assumetherepaymentdateis21.按月還款：每月還款日還款Monthly:Repaymentoccursontherepaymentdateeverymonth.例如：放款日2014.01.20，默認(rèn)首次還款日2014.01.21

放款日2014.01.22，默認(rèn)首次還款日2014.02.21

按季還款：每年3月、6月、9月、12月的還款日還款Quarterly:RepaymentoccursontherepaymentdateofMarch,June,September,andDecember.例如：放款日2014.03.20，默認(rèn)首次還款日2014.03.21

半年還款：每年6月、12月的還款日還款Halfayear:RepaymentoccursontherepaymentdateofJuneandDecember.例如：放款日2014.06.20，默認(rèn)首次還款日2014.06.21按年還款：每年12月的還款日還款Yearly:RepaymentoccursontherepaymentdateofDecember.例如：放款日2014.12.20，默認(rèn)首次還款日2014.12.21按周還款：放款日+7天Weekly:Sevendaysafterdisbursementdate.雙周還款：放款日+14天Bi-weekly:Fourteendaysafterdisbursementdate.月末還款規(guī)則：Monthendrepaymentrules:若設(shè)置為28日，則每期還款日都為28日；Ifsettherepaymentdateas28,therepaymentdateforeachtermis28.若設(shè)置為30日，則每期還款日為30日，2月例外，還款日為28日或29日；Ifsettherepaymentdateas30,therepaymentdateforeachtermis30,butforFeb.therepaymentdateis28or29.若設(shè)置為31日，則每期還款日為月末。Ifsettherepaymentdateas31,therepaymentdateforeachtermisthemonthendday.XX小微一般貸款產(chǎn)品目錄ProductlistofBSBSMEgeneralloan序號(hào)No.產(chǎn)品分類(lèi)ProductType產(chǎn)品名稱(chēng)ProductName1小微貸款SMEGeneralLoan保時(shí)節(jié)KeepSeason2商贏寶BusinessWin3保商贏KeepWin4誠(chéng)信貸A款GoodfaithA5誠(chéng)信貸B+1款GoodfaithB+16抵好貸Mortgageloan7質(zhì)好貸Pledgeloan8積金貸Score-basedinterestrefundLoan9展商贏Exhibitorloan10翼購(gòu)貸Consumerloan11農(nóng)具寶FarmToolsloan12農(nóng)聯(lián)寶Farmersunionloan13農(nóng)豐寶Harvestloan14乳業(yè)寶Dairyloan15新農(nóng)村創(chuàng)富NewWealthCreation16富農(nóng)1+1RichPeasant1+117保好貸loanwithguarantee18車(chē)好貸Vehicleloan19聯(lián)好貸Jointguaranteeloan20市好貸GoodMarketloan21龍頭貸Leadingenterprisesloan22互助贏Mutualcooperationloan23商圈貸BusinessCircleloan24設(shè)備貸Equipmentloan25保險(xiǎn)貸Insuranceloan26租金貸loanforrent27存貨動(dòng)產(chǎn)抵質(zhì)押InventoryandMovablepropertypledgeloan28應(yīng)收賬款質(zhì)押Accountsreceivablepledgeloan29聚好貸Group30小額存單質(zhì)押SmallDepositPledgeloan

XX小微一般貸款核算交易需求詳述BRAnalysisforBSBSMEgeneralloanBusinessTransactionsinDetail借據(jù)管理ContractManagement借據(jù)創(chuàng)建ContractCreation項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription需逐筆審批的貸款業(yè)務(wù)，貸款申請(qǐng)?jiān)谛刨J系統(tǒng)獲得核準(zhǔn)后，從信貸系統(tǒng)提交核心系統(tǒng)創(chuàng)建借據(jù)，相關(guān)信息通過(guò)接口導(dǎo)入到核心系統(tǒng)；Fortheloanwhichshouldbeapproved,aftertheloanapplicationisapprovedinCMISsystem,CMISsystemwilltriggerCMLsystemtocreatecontractandalltheinformationneededwillbetransferredviatheinterface.不需逐筆審批的貸款業(yè)務(wù)，如小額存單質(zhì)押等貸款品種，額度/主合同申請(qǐng)?jiān)谛刨J系統(tǒng)獲得批準(zhǔn)后，客戶(hù)可從自主渠道發(fā)起創(chuàng)建借據(jù)并放款。Fortheloanforwhichthereisnoneedtoapprove,suchasthesmalldepositpledgeloan,afterthecreditlimitormaincontractisapprovedinCMISsystem,thecustomercouldapplytocreatethecontractviaself-servicechannels.業(yè)務(wù)需求BusinessRequirement放款賬戶(hù)DisbursementAccount：自主支付，貸款發(fā)放到結(jié)算賬戶(hù)中。需維護(hù)客戶(hù)賬戶(hù)；ForSelf-pay,theloanwillbedisbursedtopersonalsettlementaccount;受托支付，貸款發(fā)放轉(zhuǎn)至約定的一個(gè)或多個(gè)交易賬戶(hù)，需維護(hù)第三方賬戶(hù)；Forthetrusteepayments,theloanwillbetransferredtooneormoretradingaccountsagreed;還款賬戶(hù)：系統(tǒng)支持對(duì)于一個(gè)貸款借據(jù)，可選擇多個(gè)還款賬戶(hù)（可以為不同還款人），系統(tǒng)支持指定還款順序；Repaymentaccount:CMLsystemallowstheusertoselectmultiplerepaymentaccounts(canfromdifferentpeople),anddefinethesequenceofrepayment;貸款利率設(shè)置方式：Theinterestratesettingmode:基礎(chǔ)利率維護(hù)：使用XXXGUI維護(hù)基礎(chǔ)利率，外幣由統(tǒng)一報(bào)價(jià)平臺(tái)維護(hù)；Maintenanceforthereferenceinterest:maintainthereferenceinterestviaXXXGUI.在額度或主合同層面需制定固定利率或浮動(dòng)利率（利率浮動(dòng)值或利率浮動(dòng)比率）；Thefixedinterestrateortheinterestratefloatingratioshouldbespecifiedinthefacilitiesormaincontract.柜員在發(fā)放貸款時(shí)，根據(jù)額度或主合同層面的設(shè)定值，輸入固定利率或輸入浮動(dòng)比率，從而獲得執(zhí)行利率。當(dāng)基礎(chǔ)利率調(diào)整時(shí)，該浮動(dòng)比率仍有效，基于新的基礎(chǔ)利率確定該筆貸款新的執(zhí)行利率。Thetellershouldinputthefixedinterestrate,orinputsinterestratefloatingratioandthesystemautomaticallycalculatesthenominalinterestrate.Whenthereferenceinterestrateisadjusted,thisinterestratefloatingratioisstilleffective,andthenewnominalinterestratewillbecalculatedbasedonthenewreferenceinterestrate.處理渠道ProcessingChannel信貸系統(tǒng)、自助渠道CMISsystem,Self-servicechannel處理方式ProcessingMethod實(shí)時(shí)逐筆Real-timeindividually節(jié)假日處理HolidayProcessing不適用NotApplicable客戶(hù)信函CustomerCorrespondence不適用NotApplicable收取稅費(fèi)Tax/Charges不適用NotApplicable會(huì)計(jì)分錄AccountingEntries不適用NotApplicable借據(jù)修改ContractChanges項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription借據(jù)創(chuàng)建后，銀行按業(yè)務(wù)需要或客戶(hù)要求對(duì)借據(jù)的相關(guān)內(nèi)容進(jìn)行調(diào)整。Afterthecontractcreation,thebankcanmodifysomecontentsofthecontractbasedoncustomer’sdemandsorfunctionalrequirements.業(yè)務(wù)需求BusinessRequirement貸款發(fā)放前除了產(chǎn)品類(lèi)型、貸款借據(jù)號(hào)外均可進(jìn)行修改；Beforedisbursement,allthecontents,excepttheloantype,loancontractnumber,canbemodified.貸款發(fā)放后可修改還款方式、還款間隔、執(zhí)行利率（固定利率模式）、利率浮動(dòng)值或利率浮動(dòng)比率、罰息浮動(dòng)比率、利率調(diào)整方式、利率調(diào)整周期、還款賬號(hào)、還款日；Afterdisbursement,onlytheloanterm,repaymentmethod,repaymentinterval,nominalinterestrate(fixedinterestratemode),interestratefloatingratio,penaltyinterestratefloatingratio,interestrateadjustmenttype,interestrateadjustmentperiod,repaymentaccount,repaymentdatecanbemodified;修改第一還款賬戶(hù)時(shí)，必須保證新賬戶(hù)是借款人客戶(hù)項(xiàng)下的活期結(jié)算賬戶(hù)；Tochangethefirstrepaymentaccount,thenewrepaymentaccountshouldbethecurrentsettlementaccountofloanapplicantorrelatedpersonunderthecustomernumberinDMsystem.修改還款賬戶(hù)時(shí)，舊賬戶(hù)需要進(jìn)行BP解約，新賬戶(hù)需進(jìn)行BP簽約；Whentherepaymentaccountischanged,itisneededtodotheBPterminationfortheoldrepaymentaccount,anddotheBPsigningforthenewrepaymentaccount.需要多級(jí)審批；(審批）Multi-approvalisneeded.(approval)貸款到期日當(dāng)天，不可以進(jìn)行借據(jù)修改；（檢查）Itisnotallowedtodothecontractchangeonthematuritydateoftheloan;(checks)處理渠道ProcessingChannel信貸系統(tǒng)、核心系統(tǒng)前臺(tái)CMIS,FrontendofCMLsystem處理方式ProcessingMethod實(shí)時(shí)逐筆Real-timeindividually節(jié)假日處理HolidayProcessing不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)文檔Refertotheaccountingdocuments借據(jù)撤銷(xiāo)ContractCancellation項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription銀行或客戶(hù)根據(jù)需要，對(duì)已經(jīng)創(chuàng)建但未發(fā)放的借據(jù)進(jìn)行撤銷(xiāo)；Thesystemallowsbankorthecustomertocancelacontractthathasbeencreatedbutnotbedisbursed;業(yè)務(wù)需求BusinessRequirement對(duì)于已放款借據(jù)的撤銷(xiāo)：需要先沖銷(xiāo)（抹賬），再撤銷(xiāo)；Forthecancellationofcontractwithdisbursedstatus,theprerequisiteistoreversalthiscontractatfirst,thenwithdrawal;對(duì)于未放款借據(jù)的撤銷(xiāo)：系統(tǒng)支持在借據(jù)撤銷(xiāo)時(shí)出具已創(chuàng)建但尚未發(fā)放的貸款借據(jù)清單（包含放款日期和合同日期的信息用于判斷是否需要撤銷(xiāo)），并通過(guò)選擇列表和保存的方式進(jìn)行借據(jù)的撤消；Forcontractcancellationofwithoutdisbursement,Whencancelcontract,thesystemallowstolistthosecontractswhichhavebeencreatedbuthavenotbeendisbursed(includingdisbursementdateandcontractcreationdate,theseinformationareusedtodeterminewhethercontractcancellationisneeded).Andusercanselectandsavethecontracttobecancelled.系統(tǒng)支持在借據(jù)撤銷(xiāo)的時(shí)候，從接口獲取借據(jù)號(hào)撤銷(xiāo)該筆貸款借據(jù);Thesystemallowsinputtingcontractnumberfrominterfacetocancelcontract.需要多級(jí)審批。Multi-approvalisneeded.處理渠道ProcessingChannel核心系統(tǒng)前臺(tái)FrontendofCMLsystem處理方式ProcessingMethod實(shí)時(shí)逐筆Real-timeindividually節(jié)假日處理HolidayProcessing不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)文檔Refertotheaccountingdocuments借據(jù)放款Disbursement項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription借據(jù)創(chuàng)建后，銀行向目標(biāo)賬戶(hù)放款。Afterthecontractiscreated,thebankdisbursestheloantothetargetaccount.業(yè)務(wù)需求BusinessRequirement借據(jù)放款流程如下：Theprocessofdisbursementisasbelow:受托支付情況下，借據(jù)層面需記錄受托支付相關(guān)第三方賬戶(hù)信息(非主借款人)，系統(tǒng)支持先將貸款金額發(fā)放到主借款人結(jié)算賬戶(hù)，然后將款項(xiàng)轉(zhuǎn)入第三方賬戶(hù)；Forthetrusteepayment,therelatedthirdparty(Non-MainBorrower)informationshouldberecordedinthecontract,andthesystemsupportstodisbursetheloantothemainborrower’saccountfirstly,andthentransferthemoneyfromthemainborrower’saccounttothethirdpartyaccount;放款時(shí)借據(jù)如有預(yù)扣款，系統(tǒng)支持先將貸款金額全額發(fā)放到客戶(hù)放款帳戶(hù)，然后從此帳戶(hù)中扣除相應(yīng)的預(yù)扣款金額；Ifthereispre-paiditemfortheloanduringdisbursement,thesystemsupportstodisbursethewholeamountoftheloantothecustomer’sdisbursementaccount,andthendeductthepre-paidamountfromthisaccount;借據(jù)放款時(shí)，還款賬戶(hù)需進(jìn)行BP簽約；ItisneededtodotheBPsigningduringdisbursement;需要多級(jí)審批。（審批）Multi-approvalisneeded.處理渠道ProcessingChannel信貸系統(tǒng)，自助渠道CMISsystem,Self-servicechannel處理方式ProcessingMethod實(shí)時(shí)逐筆Real-timeindividually節(jié)假日處理HolidayProcessing不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges詳見(jiàn)稅費(fèi)收取章節(jié)RefertoExpense/TaxChapter會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)分錄文檔Refertotheaccountingdocuments貸款結(jié)息，計(jì)提和攤銷(xiāo)InterestSettlement,Accrual&Deferral項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription結(jié)息是指銀行在借據(jù)約定的日期對(duì)客戶(hù)本期應(yīng)歸還的利息及（或）本金計(jì)算及過(guò)賬；InterestSettlementistheprocessthatthebankcalculatesandpoststheinterestand(or)theprincipalpayableforthecurrenttermonthedateagreedinloancontract.計(jì)提是指在資產(chǎn)負(fù)債表日銀行對(duì)貸款剩余本金計(jì)算利息收入并入賬的過(guò)程，小微類(lèi)貸款使用日終自動(dòng)計(jì)提；Accrualistheprocessthatthebankcalculatesandbookstheinterestincomefortheremainingprincipalonthebalancesheetdate.ForSMEloan,automaticallyaccrualattheendofthedayisused.攤銷(xiāo)是指在資產(chǎn)負(fù)債表日銀行對(duì)預(yù)先收取的利息或費(fèi)用確認(rèn)為利息或費(fèi)用收入的過(guò)程。Deferralistheprocessthatthebankchargestheinterestorfeewhichwasidentifiedasinterestorfeeincomeinadvanceonthebalancesheetdate.業(yè)務(wù)需求BusinessRequirement正常利息NormalInterest執(zhí)行利率NominalInterestrate：固定利率Fixedinterestratemode正常貸款執(zhí)行利率=借據(jù)注明的貸款執(zhí)行利率NominalInterestRate=InterestRateagreedincontract浮動(dòng)利率Floatinginterestratemode按值浮動(dòng)value：利率浮動(dòng)值=借據(jù)注明的利率浮動(dòng)值Interestratefloatingvalue=interestratefloatingvalueagreedincontract正常貸款執(zhí)行利率=基準(zhǔn)利率+利率浮動(dòng)值Nominalinterestrate=referenceinterestrate+interestratefloatingvalue按比例浮動(dòng)ratio：利率浮動(dòng)比率=借據(jù)注明的利率浮動(dòng)比率InterestRateFloatingRatio=InterestRateFloatingRatioagreedincontract正常貸款執(zhí)行利率=基準(zhǔn)利率*（1+利率浮動(dòng)比率）NominalInterestRate=ReferenceInterestRate*(1+InterestRateFloatingRatio)利息Interest：正常貸款利息=正常本金*正常貸款執(zhí)行利率*計(jì)息天數(shù)/360(or365)Normalinterest=Principal*NominalInterestRate*Interestdays/360or365按實(shí)際天數(shù)計(jì)息：按日歷實(shí)際天數(shù)計(jì)算，算頭不算尾;Actualday-base:It’sbasedonactualdaysincalendarincludesthefirstdayandnotincludesthelastday.對(duì)于貨幣為英鎊和港幣的貸款，一年按365天計(jì)算；人民幣的貸款一年按照360天計(jì)算;ForGBPandHKDloans,itis365daysforoneyear;ForRMBloans,itis360daysforoneyear.利息計(jì)提&攤銷(xiāo)InterestAccrual&Deferral核銷(xiāo)狀態(tài)的貸款不需要進(jìn)行利息計(jì)提；Ifthestatusofthecontractischargeoffornon-accrual,thereisnoneedtodointerestaccrual.應(yīng)收利息計(jì)提在每月末前一天，月末當(dāng)天進(jìn)行利息計(jì)提，每月計(jì)提兩次（無(wú)論這一天是否是工作日）；Theinterestreceivableshouldbeaccruedonthedaybeforetheendofamonth,anditalsoshouldbeaccruedattheendofamonth.Twiceamonth(Nomatterwhetheritisaworkingdayornot).應(yīng)收利息計(jì)提按貸款借據(jù)逐筆計(jì)算，按機(jī)構(gòu)或按產(chǎn)品（對(duì)應(yīng)利息收入科目不同）或已減值類(lèi)型等其他維度分別以一筆憑證入賬處理。系統(tǒng)能按機(jī)構(gòu)或事業(yè)部等維度生成計(jì)提的明細(xì)清單；Interestreceivableiscalculatedcontractbycontract;thepostingisprocessedonlyonceaccordingtodimensionssuchasorganizationorproducttype(differentincomecorrespondstodifferentaccount)ordevaluationtype.支持利息計(jì)提試算功能；Systemallowssimulatinginterestaccrual.若是計(jì)提期間有利率調(diào)整，需要分段計(jì)息；Ifthereisinterestrateadjustmentduringaccrualperiod,itisneededtocalculateinterestsonmulti-stagebasis處理渠道ProcessingChannel核心系統(tǒng)日終CMLsystem處理方式ProcessingMethod批量處理BatchProcessing節(jié)假日處理HolidayProcessing不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries不適用Notapplicable罰息和復(fù)利處理IOAProcessing項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription貸款還款出現(xiàn)逾期后，銀行對(duì)欠還的本金和利息按周期計(jì)收罰息和復(fù)利并過(guò)賬。Whentheoverduerepaymentoccurs,thebankwillcalculateandchargethePenaltyinteresttotheoverdueprincipalandcalculatethecompoundinteresttotheoverdueinterest.業(yè)務(wù)需求BusinessRequirements罰息（復(fù)利）利率IOArate：罰息（復(fù)利）浮動(dòng)比率=借據(jù)注明的罰息浮動(dòng)比率IOArateFloatingRatio=IOArateFloatingRatioagreedincontract逾期貸款罰息（復(fù)利）執(zhí)行利率=執(zhí)行利率*（1+罰息（復(fù)利）浮動(dòng)比率）NominalIOArate=NominalinterestRate*(1+IOArateFloatingRatio)罰息（復(fù)利）IOA：逾期貸款罰息=逾期本金*罰息執(zhí)行利率*逾期天數(shù)/360(or365)PenaltyInterest=overdueprincipal*NominalIOARate*Overduedays/360(or365)逾期貸款復(fù)利=應(yīng)收利息*復(fù)利執(zhí)行利率*逾期天數(shù)/360(or365)Compoundinterest=interestreceivable*NominalIOArate*Overduedays/360(or365)處理渠道ProcessingChannel核心系統(tǒng)CMLsystem處理方式ProcessingMethod批量處理Batchprocessing節(jié)假日處理HolidayTreatment不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries不適用Notapplicable手工結(jié)罰息ManualIOAcalculationandpost項(xiàng)目Item說(shuō)明

Description業(yè)務(wù)描述BusinessDescription手工結(jié)罰息是指銀行對(duì)一筆貸款的逾期本金和逾期利息試算并結(jié)算罰息的功能。ManualIOAcalculationandpostreferstothebankmanuallycalculatesandpoststhepenaltyinterestforoverdueprincipleandinterestinaloancontract.業(yè)務(wù)需求BusinessRequirements適用于已經(jīng)有逾期本金或逾期利息的合同。Thisfunctionappliestoacontractwithoverdueprincipleandinterest.其余參考4.4.罰息復(fù)利處理部分。OtherpartsrefertotheIOAprocessingpart.處理渠道ProcessingChannel核心系統(tǒng)前臺(tái)FrontendofCMLsystem處理方式ProcessingMethod實(shí)時(shí)逐筆On-timerealtimeindividually節(jié)假日處理HolidayTreatment不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)文檔Refertotheaccountingdocuments貸款還款Payment正常還款RegularPayment項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription銀行的還款方式有兩種：TherearetwowaysforRepayment:系統(tǒng)在貸款期供扣款日及到期日日終自動(dòng)直接扣劃TheCMLsystemautomaticallydeductstheamountofrepaymentattheendofduedayviaEODjobs;客戶(hù)主動(dòng)現(xiàn)金還款Customertakesinitiativetorepaywithcash.標(biāo)準(zhǔn)的支付方式是自動(dòng)扣劃。

Thestandardmethodofpaymentisautomaticallydeduction.業(yè)務(wù)需求BusinessRequirements系統(tǒng)自動(dòng)從客戶(hù)的還款賬戶(hù)扣款時(shí)，只支持有多少扣多少。Whentherepaymentaccountdoesn’thaveenoughmoneyfortherepayment,systemstilldeductsallthemoneyintherepaymentaccount.當(dāng)還款款賬戶(hù)余額不足時(shí),根據(jù)原貸款的狀態(tài)會(huì)有以下兩種不同的扣款順序：Forthecondition2,systemshouldsupporttwokindsofpaymenthierarchyforautodeductionbasedonthestatusofthecontract:應(yīng)計(jì)貸款的還款順序:Foraccrualloan:第一還款順序：按照時(shí)間越靠前的還款計(jì)劃，越先歸還的原則；1strepaymentorder:Fromtheoldestitemstothenewestitems.第二還款順序：按照先歸還罰息，再歸還利息，然后歸還本金原則；2ndrepaymentorder:Firstlyrepaypenaltyinterest,secondlyinterest,andthenprincipal.非應(yīng)計(jì)貸款的還款順序:ForNon-accrualloan:

第一還款順序：按照時(shí)間越靠前的還款計(jì)劃，越先歸還的原則；1strepaymentorder:Fromtheoldestitemstothenewestitems第二還款順序：按照先歸還本金，再歸還利息，然后歸還罰息原則；2ndrepaymentorder:Firstlyrepayprincipal,secondlyinterest,andthenpenaltyinterest.還款方式Repaymenttype還款方式Repaymenttype描述Description計(jì)算公式Calculationformula等額本金Installment等額本金是指一種貸款的還款方式，是在還款期內(nèi)把貸款總額等分，每月償還同等數(shù)額的本金和剩余貸款在該月所產(chǎn)生的利息。Equalrepaymentamountsdistributedoverthefullterm.Eachmonthrepaytheequalamountofprincipalandtheinterestthatgeneratedbytheremainingprincipal.每月還款金額=(貸款本金/還款月數(shù))+(本金-已歸還本金累計(jì)金額)*月利率MonthlyRepaymentamount=(commitmentcapital/totalmonths)+(commitmentcapital–repaidprincipal)*monthlyinterestrate等額本息Annuity等額本息還款法，即借款人每月按照相等的金額償還貸款本息，其中每月貸款利息按月初剩余貸款本金計(jì)算并追月結(jié)清。Thesumofinterestpaymentandrepaymentamounts(annuity)isconstant.Overtime,thestructureoftheannuitychanges.Theinterestamountfalls,whiletheprincipalamountincreases.

每月還款金額=[貸款金額*月利率*(1+月利率)^還款月數(shù)]/[(1+月利率)^還款月數(shù)-1]MonthlyRepaymentamount=[commitmentcapital*interestrate*(1+interestrate)^totalmonths]/[(1+interestrate)^totalmonth-1]按期付息，到期還本Interestpaidbypaymentperiod,repayprincipalonmaturity借款人在貸款期限內(nèi)分期歸還利息，但不歸還本金。在到期后，一次性歸還本金。Forloanshasshortterm(lessthanorequal1year),theborrowerrepaytheinterestattheduedateofeachpaymentperiod(monthly,orquarterly).Onmaturity,repayalltheprincipal.利隨本清Fullrepaymentonmaturity利隨本清的還款方式即借款人在借款到期日一次性還清借款本金和利息。Fullrepayment,includingprincipalandinterest,attheendoftheterm.不規(guī)則還款法IrregularRepayment不規(guī)則還款方式即根據(jù)銀行和借款人的協(xié)商，支持客戶(hù)根據(jù)資金流情況安排還款計(jì)劃，在貸款申請(qǐng)時(shí)即約定分次歸還本金的金額和日期，形成不規(guī)則還款計(jì)劃表。這種貸款的還本金間隔不固定，無(wú)規(guī)律，故成為不規(guī)則還款。應(yīng)該可以說(shuō)，該種還款方式可以實(shí)現(xiàn)“想怎樣還就怎樣還”。Forthiskindrepaymentmethod,thepaymentperiodisunfixedandirregular,soitiscalledirregularrepayment.不規(guī)則還款法基于等額本金、等額本息、按期付息，到期還本生成的還款計(jì)劃進(jìn)行調(diào)整，形成不規(guī)則還款計(jì)劃表。Basedonthepaymentplanforregularrepayment,adjustmentwillbedoneandnewpaymentplanforirregularrepaymentwillbecreated.基于等額本金與等額本息的不規(guī)則還款，支持針對(duì)某一期選擇本金金額，系統(tǒng)自動(dòng)計(jì)算利息或選擇本金+利息金額，系統(tǒng)自動(dòng)倒算本金及利息。Fortheirregularrepaymentbasedoninstallmentorannuity,thesystemsupporttoautocalculatetheinterestifyouselectthe“principal”,andautocalculatetheinterestandprincipalifyouselectthe“principal+interest”.不規(guī)則還款暫只支持固定利率。Onlythefixedinterestrateissupportedbyirregularrepaymentcurrently.處理渠道ProcessingChannel核心系統(tǒng)前臺(tái)、核心系統(tǒng)、自助渠道（手機(jī)銀行）FrontendofCMLsystem,CMLsystem,Self-Servicechannel(mobilebanking)處理方式ProcessingMethod實(shí)時(shí)逐筆、批量處理Real-timeindividually,Batchprocessing節(jié)假日處理HolidayTreatment不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)相關(guān)文檔Refertotheaccountingdocuments逾期歸還PastDuePayment自動(dòng)逾期歸還AutoPastDuePayment項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription貸款借據(jù)出現(xiàn)逾期本息后，系統(tǒng)每日自動(dòng)檢查借據(jù)關(guān)聯(lián)的多個(gè)還款人賬戶(hù)余額，如有資金則自動(dòng)扣劃歸還逾期本息。Aftercontractsispastdue,thesystemautochecksthebalanceofthemultirepaymentaccountsthatallocatedinthephaseofcontractcreation,ifhavebalance,thenautodeductthebalancetorepayoverdueloan.業(yè)務(wù)需求BusinessRequirements當(dāng)借據(jù)逾期后，系統(tǒng)支持自動(dòng)檢查其還款賬戶(hù)是否有余額可供歸還；Aftercontractispastdue,systemsupportstoautocheckifthereisanybalanceinrepaymentaccount.當(dāng)借據(jù)逾期后，系統(tǒng)支持每日從貸款人賬戶(hù)批量扣除復(fù)利、罰息、逾期本金利息和逾期本金，如果扣不到款，不進(jìn)行處理；Aftercontractispastdue,systemsupportstoautodeductthecompoundinterest,penaltyinterest,interestandtheoverdueprincipaloftheloandaily.Ifnobalanceinrepaymentaccount,thendonothing.如果扣劃的資金不夠歸還該借據(jù)所有的逾期本息，扣劃規(guī)則詳見(jiàn)4.4.1；Therepaymentaccounthasnotenoughmoneytodeduct,thedeductrulecouldbefoundinchapter4.4.1;其余參考正常還款處理部分。Otherpartsrefertotheregularpayment.處理渠道ProcessingChannel核心系統(tǒng)CMLsystem處理方式ProcessingMethod批量處理Batchprocessing節(jié)假日處理HolidayTreatment不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)相關(guān)文檔Refertotheaccountingdocuments主動(dòng)逾期歸還GeneralPastDuePayment項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription客戶(hù)主動(dòng)向銀行歸還逾期貸款本息。Thecustomercomestothebanktorepaythepenaltyinterest,interestandprincipalfortheoverdueloan.業(yè)務(wù)需求BusinessRequirements系統(tǒng)支持按客戶(hù)指定的還款本金或利息的金額，對(duì)于逾期貸款進(jìn)行歸還；Systemsupportstorepayprincipalorinterestthatspecifiedbycustomerforpastdueloan.可以指定還款順序（本金，利息，罰息，復(fù)利等）；systemallowstospecifyrepaymentorder(principal,interest,penaltyinterest,compoundinterestandsoon)其余參考正常還款主動(dòng)還款處理部分.Otherpartsrefertotheregularpayment.處理渠道ProcessingChannel核心系統(tǒng)前臺(tái)、自助渠道FrontendofCMLsystem,Self-servicechannel處理方式ProcessingMethod實(shí)時(shí)逐筆Real-timeindividually節(jié)假日處理HolidayTreatment不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges不適用Notapplicable會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)相關(guān)文檔Refertotheaccountingdocuments提前還款A(yù)dvancepayment項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription提前還款是指由客戶(hù)發(fā)起的提前對(duì)貸款本金及利息償還的過(guò)程，償還金額可以為全額或部分金額。Advancepaymentreferstoinadvancerepaymentoftheloanprincipalandinterestinitiatedbythecustomer.Itcanbefullorpartial.業(yè)務(wù)需求BusinessRequirements系統(tǒng)支持部分提前還款和全部提前還款；Systemsupportspartialadvancepaymentandfullpayoff;提前還款支持兩種方式還款：Payoffsupportstwowaysofrepayment:歸還的總金額只還本金，同時(shí)系統(tǒng)結(jié)算提前還款金額從上次結(jié)息日到當(dāng)日的利息，額外歸還，歸還日為當(dāng)天；Therepaymentincludestheprincipalthatcustomerinputandinterestcalculatedfromthelastsettlementdatetothekeydate.(Netrepayment)歸還的總金額拆分為本金和提前還款金額從上次結(jié)息日到當(dāng)日的利息進(jìn)行歸還。Systemsupportsdividingthetotalamountofrepaymentintoprincipalandinterest,whichcalculatedfromthelastsettlementdatetothekeydate.(Grossrepayment）提前還款時(shí)，若是指定新的到期日，系統(tǒng)自動(dòng)計(jì)算貸款提前還款后的期限，和每期的期供金額；若不指定新的到期日，則提前還款后的期限不變，系統(tǒng)自動(dòng)確定之后每期的期供金額。IfthenewtermenddateisspecifiedduringthePayoff,CMLsystemwillcalculatethenewloantermsandinstallmentsbasedontheoriginalamountofinstallment;ifnonewtermenddateisspecified,thesystemautomaticallydeterminethenewamountofinstallmentbasedontheoriginalloanterms.需要多級(jí)審批；（審批）Multi-approvalisneeded.（approval）逾期狀態(tài)貸款不允許提前還款；（檢查）Itisnotallowedtodotheadvancepaymentifthestatusoftheloanisoverdue.(checks)當(dāng)天發(fā)放的貸款不得當(dāng)天歸還；（檢查）Itisnotallowedtodotheadvancepaymentonthedaythattheloanisdisbursed.(checks)處理渠道ProcessingChannel信貸系統(tǒng)、自助渠道CMISsystem,Self-serviceChannel處理方式ProcessingMethod實(shí)時(shí)逐筆Real-timeindividually節(jié)假日處理HolidayTreatment不適用Notapplicable客戶(hù)信函CustomerCorrespondence不適用Notapplicable收取稅費(fèi)Tax/Charges詳見(jiàn)稅費(fèi)收取章節(jié)RefertoExpense/TaxChapter會(huì)計(jì)分錄AccountingEntries詳見(jiàn)會(huì)計(jì)相關(guān)文檔Refertotheaccountingdocuments貸款結(jié)清(計(jì)劃關(guān)閉)Plannedcompleted項(xiàng)目Item說(shuō)明Description業(yè)務(wù)描述BusinessDescription貸款全部到期后，銀行成功扣劃貸款全部剩余應(yīng)還金額，關(guān)閉貸款賬戶(hù)

。Thebankdebitstheremainingbalanceonmaturitydateandclosestheloanaccount.貸款到期前，客戶(hù)主動(dòng)到銀行結(jié)清全部貸款余額（全部提前還款），關(guān)閉貸款賬戶(hù)。Beforeloanmaturitydate,customerinitiatesadvancepaymentoftheremainingbalanceofloanandclosestheloanaccount.業(yè)務(wù)需求BusinessRequirement系統(tǒng)支持柜臺(tái)處理和批量自動(dòng)貸款結(jié)清交易；