1、Harnessing the Network of Banking IntelligenceMisys Banking SystemsMisys核心系统介绍Misys Banking System神州数码软件有限公司2006/3/9.Harnessing the Network of Banking IntelligenceAgendaEquation 解决方案概述 技术平台 设计原则设计原则 系统实施获益Equation 解决方案各模块 核心核心 零售业务零售业务 公司业务 资金业务 风险与管理信息风险与管理信息Equation 解决方案特点Equation 的集成性、可用性与可扩展性Q&A
2、.Harnessing the Network of Banking Intelligence解决方案宗旨Solution ObjectivesImplement an international advanced core banking systemComplete coverage of core businessProvide customer management,accounting management,product management and analysis statisticsSupport multi-currency and multi-branchTime to
3、market product innovationFlexible process flow;Fulfill branch supervision and internal management 引进一套具有国际先进水平的核心软件系统 全面覆盖现有核心业务系统功能 提供以客户为中心的金融服务 提供客户管理,帐户管理,产品管理和各种基础分析数据 支持多币种和多分支机构管理产品管理支持快速的产品创新 弹性化流程，满足风险控制和内部管理的要求.Harnessing the Network of Banking IntelligenceImplement a cost effective integr
4、ated backend architectureExtendibilityEnd to End integrated solutionUniform databaseTechnically advanced integration architectureImprove channel integration实施有效的集成后台系统架构 灵活性和扩展能力 端到端集成解决方案 统一数据库 技术先进的集成架构渠道整合 统一客户信息 统一客户服务流程与标准 提供交叉销售能力解决方案宗旨Solution Objectives.Harnessing the Network of Banking Inte
5、lligence整合的解决方案 The integrated solutionMANAGEMENTINFORMATION呼叫中呼叫中心心Call Centre因特网因特网InternetATMPOS客户情况、关系、联系人和行动、产品帮助、客户情况、关系、联系人和行动、产品帮助、包装、资源、包装、资源、信用风险、赢利性信用风险、赢利性业务和管理报告、信用和市场风险、业务和管理报告、信用和市场风险、归档、数据存储、中央银行报告归档、数据存储、中央银行报告客户客户交付渠道交付渠道产品产品核心系统核心系统管理信息管理信息客户关系管理客户关系管理零售零售RETAIL数据库数据库实时、多币种核算实时、多币
6、种核算资金资金TREASURY企业企业CORPORATE分行分行Branch可定制可定制开放系统开放系统易于使用易于使用安全安全可升级可升级高度可用性高度可用性经验证经验证移动电移动电话话Mobile PhoneDELIVERYCHANNELSPRODUCTSCORESYSTEMCUSTOMERRELATIONSHIPMANAGEMENT.Harnessing the Network of Banking IntelligenceEquation系统 完整的多渠道银行业务解决方案 Complete multi-channel banking solution,with个人业务 Retail b
7、anking 公司业务 Corporate banking 资金业务Treasury operations 多币种、多语言、多分支机构 Multi-currency,multi-language system 在全球70多个国家有300+系统运行 300+installations in over 70 countries完全整合在单一平台fully integrated on a single platform完全整合在单一平台fully integrated on a single platform.Harnessing the Network of Banking Intelligenc
8、eEquation系统的用途将核心银行业务系统与其它接口：Core banking server interfaced to.内部开发应用 in-house developments 第三方应用 third party applications 渠道系统 delivery systemsOR全部使用Misys 组件实现完整的端到端解决方案 Complete end-to-end solution using all Misys components.Harnessing the Network of Banking IntelligenceTechnology platformCUSTOMER
9、RELATIONSHIPMANAGEMENTWINDOWSEQUATION BRANCHAUTOMATION iSERIESEQUATIONBANKINGSERVERCALLCENTREINTERNETATMPOSCUSTOMER PROFILING,RELATIONSHIPS,CONTACTS AND ACTIONS,PRODUCT HELP,PACKAGING,RESOURCES,CREDIT RISK,PROFITABILITYRETAILTREASURYCUSTOMERSDELIVERYCHANNELSPRODUCTSCORESYSTEMMANAGEMENTINFORMATIONRET
10、AILREAL-TIME MULTI-CURRENCY ACCOUNTINGTREASURYCORPORATEBRANCHMOBILEPHONEOPERATIONAL&MANAGEMENT REPORTING,CREDIT AND MARKET RISK,ARCHIVING,DATA WAREHOUSING,CENTRAL BANK REPORTING.Harnessing the Network of Banking IntelligenceEquation 设计原则 开放 Open 集成 Integration 可扩展数据库 Extendable Database 全面参数化 Parame
11、terization 安全性 Security 友好/一致的用户界面 Friendly and consistent user interface 多币种 Multi-currency 多语言 Multi-language 本地功能增强 Local Enhancements.Harnessing the Network of Banking Intelligence全面参数化 Parameterization系统设计的核心 Inherent in system design用于系统处理的属性和特征 Used to define attributes and processing charact
12、eristics参数用于定义：Parameters used to define 客户类型 Customer type 产品类型 Deal type 账户类型 Account type 交易类型 Transaction type 报表 Reports 客户文件 Customer documents 利率、计息 Interest accrue 收费和收费结构 Charges and charge structures 客户关系、额度结构、汇款.Harnessing the Network of Banking IntelligenceSingle databaseEquation databas
13、e extendable with additional fields for:customer&account informationdeal,loan,deposit,collateral typestransaction typesbranchesUser validation for each fieldInput,maintenance and enquiry functions for each additional type of dataFields can be included on standard selective reports and statements and
14、 confirmationsAdditional fields can be used by banks own programs单一数据库可增加以下额外字段扩展Equation数据：客户和帐户信息交易、贷款、存款、抵押品种类交易种类分行 通过预先定义扩充字段的长度、属性、可选值，自动进行合法性检查系统具备对扩充字段的输入、维护和查询功能扩充字段可以被加入标准选择性的报表和确认书中扩充字段可被用户自定义外部程序使用无需编程灵活扩充交易与管理信息实现全行客户信息的集中管理Centralisation of Customer Information可扩展客户信息.Harnessing the Ne
15、twork of Banking Intelligence灵活性和开放性灵活性和开放性通过以下方式和工具实现：“Openness”is provided through:SQL 数据库 SQL-compatible database 可扩展数据库 extendable standard database 批处理/实时的应用开发接口 batch and real-time Application Programming Interfaces(APIs)用户出口 user exits 用户自定义菜单 user-definable menus 开发工具包 Integrators Technical
16、Package.Harnessing the Network of Banking Intelligence开发工具包 Integrators Technical Package开发标准，目的在于保证与Equation相关的开发与Equation标准一致 Intended for developments where consistency with Equation functions is required程序模板，包括屏幕、文件、提示、验证等通用程序 Skeleton programs,screens,files,prompt/validate routines标准服务程序，包括日期、汇
17、率转换等 Standard service routines,including date routines,currency conversion工具，测试模板、源文件比较工具等 Utilities,test frames,source compare etc技术手册，包括Equation数据模型 Technical manuals,including Equation Data ModelEquation 设计标准（例如，屏幕设计等）Equation design standards(e.g.screen design)开发技术培训 Technical training.Harnessin
18、g the Network of Banking Intelligence安全性 Security 菜单等级的控制 Menu level access control 安全性特点 Security features 对特定客户或账户和查询和更新控制 control of enquiries and updates for selected customers and accounts 分行之间交易的控制 control of inter-branch transactions 单独的借方和贷方交易处理和授权限制 separate debit and credit limits for tran
19、saction processing and authorisation 可依特别状况定义授权层次 authorisation levels definable for all exception conditions 当地和远程授权 local and remote referrals 完整审计线索 full audit trail.Harnessing the Network of Banking Intelligence用户界面 User Interface用户定义菜单User defined menus上下文相关的联机手册 Designed for high speed data en
20、try and ease of use简称、缺省值和提示 Short forms,default values and prompts for productivity.Harnessing the Network of Banking Intelligence多币种 Multi-currency所有产品支持多币种 All products available in any currency所有交易按照原始货币保存 Transactions retained in original currency可以按照任意币种查询和产生报表 Enquiries and report in any curr
21、ency跨业务的各币种、各分行头寸 Consolidated currency positions across all business areas and branches,as well as by branch.Harnessing the Network of Banking Intelligence整合的解决方案 The integrated solutionMANAGEMENTINFORMATION呼叫中呼叫中心心Call Centre因特网因特网InternetATMPOS客户情况、关系、联系人和行动、产品帮助、客户情况、关系、联系人和行动、产品帮助、包装、资源、包装、资源、信
22、用风险、赢利性信用风险、赢利性业务和管理报告、信用和市场风险、业务和管理报告、信用和市场风险、归档、数据存储、中央银行报告归档、数据存储、中央银行报告客户客户交付渠道交付渠道产品产品核心系统核心系统管理信息管理信息客户关系管理客户关系管理零售零售RETAIL数据库数据库实时、多币种核算实时、多币种核算资金资金TREASURY企业企业CORPORATE分行分行Branch可定制可定制开放系统开放系统易于使用易于使用安全安全可升级可升级高度可用性高度可用性经验证经验证移动电移动电话话Mobile PhoneDELIVERYCHANNELSPRODUCTSCORESYSTEMCUSTOMERRELA
23、TIONSHIPMANAGEMENT.Harnessing the Network of Banking Intelligence客户价值管理客户价值管理 了解客户的人口统计数据 对客户360度视角的审视产品创新产品创新 扩充新产品目录 度身定制的客户产品 更多的创新产品 缩短新产品的上市时间收费管理收费管理 提高收费的透明度 确保收费的一致性系统实施目标Know Your Customer Understanding demographics 360 View of the CustomerNew Products Expand the product portfolio Tailored
24、Customer Products More Innovative Products Reduce Time to MarketManagement of Income Streams Increase transparency of fees Ensure consistent fee collection.Harnessing the Network of Banking IntelligenceProfitability Analysis Customer profitability Product profitability Branch profitabilityOperationa
25、l Efficiency and Risk Enhance STP Manage Credit Risk Ensure Compliance系统实施目标Key Objectives收益率分析收益率分析 客户收益率 产品收益率 分行收益率经营效率和风险经营效率和风险 提高直通交易处理（STP）控制信用风险 确保合规性.Harnessing the Network of Banking Intelligence客户价值管理Sales and Service Tools Total customer relationship view Comprehensive alerts system Cont
26、act management Customer and client base segmentation Extendable databaseEnabling the Bank to Identify customers quickly and easily Prompt users to take action(sell,advise)Deal with issues there and then Record relevant customer contact information Focus on target segments提供销售和服务工具提供销售和服务工具全部客户关系的视角综
27、合的预警系统记录客户联系历史客户细分可根据业务扩展客户数据基于客户的盈利性分析帮助银行帮助银行迅速方便地识别客户鼓励客户采取行动（卖出/建议）处理“彼时彼地”的问题记录相关的客户联系信息集中于目标客户群.Harnessing the Network of Banking Intelligence产品创新机制 Product Design and Delivery MechanismProduct definition facilitiesWorkflow ControlIntegrators Technical PackageEnabling the Bank to:Optimise time
28、 to market for new productsEnforce procedures and controlsFlexibly design productsTargeted Innovative 产品设计和交付机制 产品定义工具 工作流定义工具 内部参数支持 整合技术包帮助银行 缩短新产品上市的时间 强化过程和控制 准确地进行产品定位 更多产品创新.Harnessing the Network of Banking Intelligence收益率分析Profitability AnalysisProfitability Analysis ToolsProfitability by:Pr
29、oductCustomerBranchEnterprise wideComprehensive reportingMulti Dimensional AnalysisEnabling the Bank to:Understand Customer and Product ProfitabilitySegment Customer and Product Base Effectively manage loss making customers segmentsEffectively Target chosen segmentsPrice products appropriatelyEnhanc
30、e effectiveness of future marketing initiatives收益率分析工具核心业务系统提供多角度客户、交易、成本基础数据基于产品、客户、分行、分行和整个企业的收益率分析模型综合报表多元分析工具帮助银行了解客户和产品的收益率细分客户和产品基础有效地控制产生损失的客户群有效地锁定选定的客户群适当地为产品定价提高未来营销目标的有效性.Harnessing the Network of Banking Intelligence收费管理Management of Income StreamsIncome Generation and Protection ToolsAc
31、count Service ChargesEvent driven feesManagement control on fee waiversComprehensive reporting analysisEnabling the Bank to:Automate fee and service charge collectionGreater control on fee collectionConsistent fees and charges methodology收费交易与管理工具 基于帐户收取费用 基于交易收取费用 通过参数定制的自动收费 对放弃收费的管理和控制 综合报告分析帮助银行
32、 自动化收取费用和服务费 提高对费用收取的控制 标准、一致的收费方法.Harnessing the Network of Banking Intelligence经营效率和风险Operational Efficiency&RiskOperational Efficiency and Risk ToolsStraight Through ProcessingCredit Risk ManagementWorkflow ToolsCompliance facilitiesEnabling the Bank toImprove Operational EfficiencyManage Credit
33、Risk Reduce Operational Risk Reduce CostsEnsure Compliance提高效率和风险控制工具 直通交易处理 信用风险管理工具 工作流工具 合规检查工具帮助银行 提高经营效率 管理信贷风险 减少经营风险 降低成本 确保合规经营.Harnessing the Network of Banking Intelligence收费管理Management of Income StreamsIncome Generation and Protection ToolsAccount Service ChargesEvent driven feesManageme
34、nt control on fee waiversComprehensive reporting analysisEnabling the Bank to:Automate fee and service charge collectionGreater control on fee collectionConsistent fees and charges methodology收费交易与管理工具 基于帐户收取费用 基于交易收取费用 通过参数定制的自动收费 对放弃收费的管理和控制 综合报告分析帮助银行 自动化收取费用和服务费 提高对费用收取的控制 标准、一致的收费方法.Harnessing
35、the Network of Banking Intelligence解决方案概述Proposed Solution Overview.Harnessing the Network of Banking Intelligence核心功能核心功能 Core Functions客户信息文件客户信息文件账户账户安全特点安全特点利率与收费利率与收费总账总账 报告报告抵押品管理抵押品管理核心核心Core Customer Information File Retail products and services Enhanced Security Feature Interest rate and fe
36、e General Ledger Reports Collateral recording模块Equation Modules.Harnessing the Network of Banking Intelligence支票处理支票处理零售存款零售存款通知储蓄存款帐户通知储蓄存款帐户帐户服务帐户服务存款存款基基本本功能模块功能模块 Basic FunctionsDeposits Extended Cheque Processing Retail Deposits Notice Savings Accounts Account Services贷款贷款 贷款贷款信信信用风险管理信用风险管理 Le
37、nding Lending Credit Risk Management 外汇及货币市场外汇及货币市场外汇及货币市场外汇及货币市场有价证券有价证券Foreign Exchange/Money Market FX/MM Marketable SecuritiesEquation 模块.Harnessing the Network of Banking Intelligence汇汇款款汇款汇款S.W.I.F.T.报文管理报文管理其它其它功能功能 Special FunctionsRemittance Clean Payments SWIFT Message Management(iSeries)收
38、益率分析收益率分析收入分析收入分析资金转移计价资金转移计价Profitability Analysis Income Analysis Transfer Pricing管理报表管理报表Customised ReportingWebformORFPlusEquation 模块.Harnessing the Network of Banking Intelligence渠道接口渠道接口ATM 接口接口网上银行网上银行Interface ATM Interface Internet banking 合规性合规性整合技术包整合技术包黑名单检查黑名单检查可疑交易检查可疑交易检查了解你的客户了解你的客户定
39、制工具箱定制工具箱ComplianceIntegrators Technical PackageBlacklistSuspicious activityKnow Your CustomerCustomisation Toolkit附加附加功能模块功能模块 Special FunctionsEquation 模块.Harnessing the Network of Banking IntelligenceEquation银行业务服务器 Banking Server核心管理系统 Core Management System呼叫呼叫中心中心因特网因特网ATMPOS客户情况、关系、联系人和作用、产品帮
40、助、客户情况、关系、联系人和作用、产品帮助、包装、资源、包装、资源、信用风险、赢利性信用风险、赢利性输送输送渠道渠道产品产品核心核心系统系统管理管理信息信息客户关系客户关系管理管理零售零售数据库数据库实时、多币种核算实时、多币种核算国库券国库券企业企业分行分行业务和管理报告、信用和市场风险、业务和管理报告、信用和市场风险、归档、数据存储、中央银行报告归档、数据存储、中央银行报告客户客户流流动电动电话话.Harnessing the Network of Banking Intelligence核心管理核心管理系统系统Core Management System 通用数据模型通用数据模型 Uni
41、versal Data Model 客户管理客户管理 Customer management 产品管理产品管理 Product management 财务管理财务管理 Financial management支持所有的支持所有的 Supporting all.零售业务零售业务Retail applications 公司业务公司业务Corporate banking applications 资金业务资金业务Treasury applications客户管理客户管理财务管理财务管理产品管理产品管理.Harnessing the Network of Banking Intelligence客户关
42、系管理 Customer Relationship Management单一客户数据库 Single customer database可选择性客户识别 Alternative customer identifiers基本信息（电话号码、姓名、地址、居住国、祖国、分行、关系经理、语言、客户参考资料、税金状况、等）Basic information(number,name,addresses,country of residence,home country,branch,relationship manager,language,customer reference,tax status,et
43、c)依照银行可定义之客户类型的额外信息 Additional information according to bank-definable customer types支持客户组、共同帐户及客户关系定义 Support for customer groups,joint accounts and relationships between customers风险与盈利分析结构 Risk and profitability profiles结算指令 Settlement instruction客户关系管理员应用软件 Relationship Manager application.Harnes
44、sing the Network of Banking IntelligenceCustomer details.Harnessing the Network of Banking IntelligenceCentralised Customer View.Harnessing the Network of Banking Intelligence支持复杂的客户关系定义Customer relationships客户客户CUSTOMER家庭家庭FAMILY大家庭大家庭EXTENDED FAMILY业务业务BUSINESS邻居、俱乐部、政见、宗教等邻居、俱乐部、政见、宗教等NEIGHBOURS,
45、CLUBS,POLITICS,RELIGION ETC.Harnessing the Network of Banking Intelligence客户分组管理Channel Oil LtdCHANEL OILMediterranean ExplorationMEDEXP PARNorth Sea Oil-FranceNSOFRNorthwest Oil-LiverpoolNTHWST LIVNorthwest Oil-ManchesterNTHWST MANNorthwest Oil IncNTHWSTSouthern OilSOUTH OILSouthern GasSOUTH GASSou
46、thern Oil/GasSOUTHNorth Sea Oil LtdNTHSEA OILNorth Sea Oil -UKNSOUKNorth Sea Oil-LondonNSOWW LDNNorth Sea Oil-WorldwideNSOWW.Harnessing the Network of Banking Intelligence客户额度信息Customer Limits.Harnessing the Network of Banking Intelligence客户额度信息查询Customer Limit Enquiry.Harnessing the Network of Bank
47、ing Intelligence信用风险管理Credit Risk Management.Harnessing the Network of Banking Intelligence关系经理应用Relationship Manager客户价值指标客户价值指标Customer Worth Indicator从客户界面转入到提示信息从客户界面转入到提示信息Drill Down from customer view to Alert information记录联系资料、行为和预约记录联系资料、行为和预约Record contacts,actions and appointments.Harnessi
48、ng the Network of Banking Intelligence客户价值管理Sales and Service Tools Total customer relationship view Comprehensive alerts system Contact management Customer and client base segmentation Extendable databaseEnabling the Bank to Identify customers quickly and easily Prompt users to take action(sell,adv
49、ise)Deal with issues there and then Record relevant customer contact information Focus on target segments提供销售和服务工具提供销售和服务工具全部客户关系的视角综合的预警系统记录客户联系历史客户细分可根据业务扩展客户数据基于客户的盈利性分析帮助银行帮助银行迅速方便地识别客户鼓励客户采取行动（卖出/建议）处理“彼时彼地”的问题记录相关的客户联系信息集中于目标客户群.Harnessing the Network of Banking Intelligence产品管理Product managem
50、ent用户可定义帐户及交易类型 User-definable account and deal types利息特征 Interest characteristics固定或可变期限 Fixed or variable term货币 Currency授信限额 Limits客户文件、格式、频率 Customer documents,layout,frequency帐务处理 Accounting报告 Reporting.Harnessing the Network of Banking Intelligence贷款产品定义GL Code利息费用管理方式资本化 发放方式承诺贷款凭证回收方式偿还规则客户通
