1、Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaa
2、aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacin
3、gLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa
4、aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpac
5、ingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForma
6、t.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaa
7、aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-目录1 引言 31.1 编写目的 .31.2 项目背景和目标 .31.2.1 系统的全称 31.2.2 提出部门 41.2.3 系统的使用部门 41.2.4 项目所要解决的问题 41.2.5 项目背景 51.2.6 系统预期目标 61.3 术语解释 .61.4 参考资料 .72 系统需求及现状 .102.1 系统需求概述 102.1.1 业务
8、流程 .10Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaa
9、aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.Line
10、SpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa
11、aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.Li
12、neSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.Paragrap
13、hFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.Paragr
14、aphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-2.1.2 业务组织结构 .142.1.3 系统功能描述 .152.2 对现有系统的分析 222.2.1 系统的现状 .222.2.2 同现有房贷系统的关系 .243 候选方案 .263.1 总体架构 263.1.1 逻辑结构图 .263.1.2 网络拓扑图 .29网络拓扑结构说明： 303.2 系统功能模块 303.2.1 会计
15、核算子系统功能模块 .313.2.2 信贷管理子系统功能模块图： .313.2.3 统计分析子系统功能模块 .313.2.4 客户评价子系统 .323.2.5 客户查询子系统 .32Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selecti
16、on.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLi
17、nesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoin
18、ts(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.Paragraaaaaaaaaaaaaaaaaaaaaaaaaaa
19、aaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.Li
20、neSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.
21、LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-3.2.6 住房抵押贷款证券化子系统 .333.2.7 系统维护子系统功能模块 .333.3 系统分布结构 343.4 系统环境及开发工具 353.5 与其他系统
22、的接口 373.6 技术实施方案 383.6.1 基本原则 .383.6.2 数据分布 .393.6.3 软件功能实现 .403.7 关键技术 413.8 使用该系统带来的影响 413.9 系统的实施风险 424 技术可行性评价（技术风险评价） .434.1 原房贷系统的基础 434.2 可供借鉴的产品 43Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.Paragraaaaaaaaaaaaaaaaaaaaaaaaaaa
23、aaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.Li
24、neSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.
25、LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.Li
26、neSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.Par
27、agraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.Parag
28、raphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-4.3 优秀的项目开发人员 434
29、.4 完善的网络环境 445 与其他相关系统的关系 .446 经济可行性（成本效益分析） .456.1 项目投入经费概算 456.2 项目产出预期的经济效益 496.3 收益/投资比 .506.4 投资回收周期。 517 法律可行性 .518 使用的可行性 .518.1 人员的素质 518.2 对客户的影响 518.3 对业务管理的影响 529 项目开发计划 .5210 结论意见 53Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointsele
30、ction.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingL
31、inesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLin
32、esToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLines
33、ToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.L
34、ineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat
35、.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa
36、aaaaaaaaaaaaaaaaaaahF-1 引言1.1 编写目的根据中国 x 银行应用开发项目可行性研究实施细则的有关规定，特编写此报告。本报告将作为项目组今后开发的重要依据。本可行性研究报告的预期读者主要是： 主管项目审批立项的有关领导 参与本项目可行性论证的专家 其他与项目有关的高级管理人员 项目组成员1.2 项目背景和目标 1.2.1系统的全称中国 x 银行个人信贷业务系统Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselec
37、tion.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLi
38、nesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLine
39、sToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLinesT
40、oPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.Li
41、neSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.
42、LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa
43、aaaaaaaaaaaaaaaaaahF-1.2.2提出部门总行个人银行业务部，房地产金融业务部1.2.3系统的使用部门经办个人消费贷款和个人住房贷款业务的信贷经营部门以及信贷管理部门。1.2.4项目所要解决的问题中国 x 银行个人信贷业务系统将主要解决四个方面的问题：解决个人消费贷款会计核算手工处理的问题，以及个人住房贷款原系统与现行会计核算制度不相符的问题。解决个人贷款日常管理手工操作而存在的低效率和不规范的问题。解决业务数据手工采集、加工、检索，业务管理所需信息不完备的问题，解决客户信息不共享的问题。目前的系统无法向人民银行的信贷登记系统传送数据，也需通过本系统解决。Selection.
44、ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaa
45、aaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPo
46、ints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa
47、aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesTo
48、Poction.ParagraphForm Selection.ParagraphFormaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpac
49、ingLinesToPoints(2Selection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPointselection.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFormat.LineSpacingLinesToPoction.ParagraphFormat.LineSpacingLinesToPoints(2)Selection.ParagraphFaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahF-1.2.5项目背景个人住房贷款系统 1999 年 10 月完成一期开发任务并通过验收后，于 2000年下半年起陆续在全行推广上线，目前已在 2 个分行全辖上线，20 多个分行实现了部分上线。2001 年 9 月，总行信息办批准个人住房贷款系统二期优化立项，计划项目周期为 10 个月，2002 年 7 月完成。2
