Asset & Liability System
01.
Asset and Liability Data Analysis Platform
Asset and Liability Data Analysis Platform
Yusys Technologies’ asset-liability analysis platform restructures, integrates, and splits the data interfaces of asset-liability management-related systems, and conducts comprehensive standardized integration, in-depth exploration of business attributes, increased data dimension information, and thematic construction of different asset-liability modules. It builds a data mart with complete data, reasonable level, strong timeliness, and history traceability. The front end uses multi-dimensional reports and data analysis tools to achieve flexible application and user-friendly report presentation.
02.
Asset-Liability Management System
Asset-Liability Management System
Yusys Technologies’ asset-liability management product combines internal operation management and external regulatory requirements to predict the changes of asset-liability and net interest income at any time in the future by simulating future interest rate changes, exchange rate changes, and changes in asset- liability structure combination from the balance sheet of banks or pan financial institutions, through the prediction and simulation of various business scenarios and comparative analysis of results, it evaluates the impact of different business scenarios on liquidity and interest rate risks, to meet external regulatory requirements (liquidity risk management, market risk management), and simultaneously provides auxiliary decision support for internal operation management, and provides support for rationalized asset-liability structure allocation and net interest forecast.
03.
Liquidity Risk Management System
Liquidity Risk Management System
Yusys Technologies’ liquidity risk management system helps financial enterprises accurately measure, monitor, control, and mitigate liquidity risk through liquidity gap analysis, liquidity risk limit management, high-quality liquidity asset management, emergency plan, minimum survival, liquidity stress test, statistical analysis modeling, and other tools, so as to meet the regulatory requirements. The system issues various indicator reports to ensure sufficient fund available to cope with the growth of assets and the payment of due debts regardless of the normal operating or under pressure environment.
04.
Fund Position Management System
Fund Position Management System
Yusys Technologies’ capital position management monitors the current position level and factors that affect position changes, and achieves the electronic modeof large position forecasts, automatic position calculations, and electronic allocation and approval processes. On the premise of ensuring payment, it improves the efficiency of capital profitability. It provides capital business expiration status query, historical capital transaction query, currency counter capital transaction query, excess fluctuation trend graph, historical excess status table, branch position forecast error table, head office position forecast error table, bank position forecast error situation table, etc.
05.
Internal Fund Transfer Pricing System
Internal Fund Transfer Pricing System
The asset transfer pricing system is an internal pricing mechanism wherein the internal capital center and business operation unit of a commercial bank transfer funds in full according to certain rules. It is an internal pricing mechanism that collects interest from the fund-using department and pays the interest to the fund-providing department. Yusys Technologies’ internal fund transfer pricing products assist financial companies in adapting to the marketization of interest rates, using internal fund pricing as a means to establish a fair internal price system, and supports a fund treasury operation mode and business pricing model that are in line with the market needs, while enabling precise reduction in interest rates. Banks’ refined management and performance appraisal lay a solid foundation, and realize the role of full-caliber capital income and cost-benefit calculation, multi-dimensional profit analysis and evaluation, and centralized liquidity risk and interest rate risk management.
06.
External Interest Rate Pricing System
External Interest Rate Pricing System
To strengthen the management of interest rate pricing of commercial banks, standardize interest rate pricing behavior, adapt to market-based interest rate pricing, improve operating efficiency, strengthen financial constraints, and achieve scientific and reasonable pricing, Yusys Technologies’ external interest rate pricing product aims to improve financial companies’ adoption of the rapidly changing interest rate market. It helps financial companies establish a management system with customer value as the core, while comprehensively taking into account various costs and flexible pricing, and improves the interest rate pricing level of commercial banks. It meets the external pricing regulatory requirements, and solves the itemized price control of senior management, accounting and finance department and front office operation department.
