银行数据治理方案

本文件所载资料仅供一般参考用，并非针对任何人个或团体的个别情况而提供。虽然本所已致力提供准确和及时的资料，但本所不能保证这些资料在阁下收取时或日后仍然准确。任何人士不应在没有详细考虑相关的情况及获取适当的专业意见下依据所载资料行事。©2012毕马威会计师事务所—香港合伙制事务所，是与瑞士实体—毕马威国际合作组织(“毕马威国际”)相关联的独立成员所网络中的成员。©2012毕马威企业咨询(中国)有限公司—中国外商独资企业，是与瑞士实体—毕马威国际合作组织(“毕马威国际”)相关联的独立成员所网络中的成员。版权所有，不得转载。毕马威的名称、标识和“cuttingthroughcomplexity”均属于瑞士实体—毕马威国际合作组织(“毕马威国际”)的注册商标或商标。银行数据治理方案毕马威管理咨询随着市场化程度的不断提高、业务流程的日趋复杂、监管当局对数据质量的要求逐步严格、海外业务规模扩展的持续加速，数据质量问题已俨然成为制约银行发展的瓶颈之一。监管当局对大中型银行的数据质量要求较高。银行子公司C海外分支机构B分行AStartCenterOneDiscounterJMFamilyMailroomDealerDiscountingTeamMMCA/MerrillLynchCenterOneCreditInvestigationsMultipleIssuesCustomerContractPackagePreparedandSenttoCenterOneCustomerContractPackageReceivedMailroomsignsforcontractbundles(DHL,FedEx,UPS,USPS)ContractBundleReceived;contractpkgsaretime-stampedandsortedbystate®ionWatchDealerContract?Pre-FundingRCVand/orWatchListDealerContractPkgsReceivedforCreditInvestigationsReviewContractPkgsReceivedforReviewandEntryDiscounterReviewandWorkupNIS?Contract/CreditApplicationDiscrepancy?ExpiredCreditApplication?SpecialProgram?Post-FundingRCV?UpdateTickSheetforReceivedandProcessedContractsDaily;SendtoCenterOneManagementDailyAFBCDECreditInvestigationsReviewContractPkg;CompleteRCVFormContractPassedRCVReview?DocumentFundingDecision;UpdatedinDealerTrack[Fiserv]DocumentFundingDecision;UpdatedinDealerTrack[Fiserv]SubmitContractPkgtoDiscounterforEntryLetterandContractPkgpreparedtobesenttoDealer;RCVFormsenttoMMCA&MerrillLynchRCVFormReceivedRCVFormFiledonsiteatDRFYesNoYesNo33EndEnd5GPost-FundedRCVTypesTier4–72MonthsTier5Pre-FundingRCVReviewReq’d?66ContractContainsMultipleIssues?474DiscrepancyLetterCreatedDiscrepancyLetterandContractPkgpreparedtobesenttoDealerDOCUMENTMULTIPLEISSUES;UPDATEDINDEALERTRACK[Fiserv]5Pre-FundedRCVTypesTier6Tier7FTOEducationEdgeDifferentAddressOther(asspecified)2211NoYesNoYesNoYesNoYesNoYesNoYesNoYes2ContractFundingLetterandnon-fundedContractPkgReceived57ContractFundingDecisionLetterCreatedRejectCreditApplication;AdverseActionLetterCreated[Fiserv]StartCenterOneDiscounterJMFamilyMailroomDealerDiscountingTeamMMCA/MerrillLynchCenterOneCreditInvestigationsMultipleIssuesCustomerContractPackagePreparedandSenttoCenterOneCustomerContractPackageReceivedMailroomsignsforcontractbundles(DHL,FedEx,UPS,USPS)ContractBundleReceived;contractpkgsaretime-stampedandsortedbystate®ionWatchDealerContract?Pre-FundingRCVand/orWatchListDealerContractPkgsReceivedforCreditInvestigationsReviewContractPkgsReceivedforReviewandEntryDiscounterReviewandWorkupNIS?Contract/CreditApplicationDiscrepancy?ExpiredCreditApplication?SpecialProgram?Post-FundingRCV?UpdateTickSheetforReceivedandProcessedContractsDaily;SendtoCenterOneManagementDailyAFBCDECreditInvestigationsReviewContractPkg;CompleteRCVFormContractPassedRCVReview?DocumentFundingDecision;UpdatedinDealerTrack[Fiserv]DocumentFundingDecision;UpdatedinDealerTrack[Fiserv]SubmitContractPkgtoDiscounterforEntryLetterandContractPkgpreparedtobesenttoDealer;RCVFormsenttoMMCA&MerrillLynchRCVFormReceivedRCVFormFiledonsiteatDRFYesNoYesNo33EndEnd5GPost-FundedRCVTypesTier4–72MonthsTier5Pre-FundingRCVReviewReq’d?66ContractContainsMultipleIssues?474DiscrepancyLetterCreatedDiscrepancyLetterandContractPkgpreparedtobesenttoDealerDOCUMENTMULTIPLEISSUES;UPDATEDINDEALERTRACK[Fiserv]5Pre-FundedRCVTypesTier6Tier7FTOEducationEdgeDifferentAddressOther(asspecified)2211NoYesNoYesNoYesNoYesNoYesNoYesNoYes2ContractFundingLetterandnon-fundedContractPkgReceived57ContractFundingDecisionLetterCreatedRejectCreditApplication;AdverseActionLetterCreated[Fiserv]StartCenterOneDiscounterJMFamilyMailroomDealerDiscountingTeamMMCA/MerrillLynchCenterOneCreditInvestigationsMultipleIssuesCustomerContractPackagePreparedandSenttoCenterOneCustomerContractPackageReceivedMailroomsignsforcontractbundles(DHL,FedEx,UPS,USPS)ContractBundleReceived;contractpkgsaretime-stampedandsortedbystate®ionWatchDealerContract?Pre-FundingRCVand/orWatchListDealerContractPkgsReceivedforCreditInvestigationsReviewContractPkgsReceivedforReviewandEntryDiscounterReviewandWorkupNIS?Contract/CreditApplicationDiscrepancy?ExpiredCreditApplication?SpecialProgram?Post-FundingRCV?UpdateTickSheetforReceivedandProcessedContractsDaily;SendtoCenterOneManagementDailyAFBCDECreditInvestigationsReviewContractPkg;CompleteRCVFormContractPassedRCVReview?DocumentFundingDecision;UpdatedinDealerTrack[Fiserv]DocumentFundingDecision;UpdatedinDealerTrack[Fiserv]SubmitContractPkgtoDiscounterforEntryLetterandContractPkgpreparedtobesenttoDealer;RCVFormsenttoMMCA&MerrillLynchRCVFormReceivedRCVFormFiledonsiteatDRFYesNoYesNo33EndEnd5GPost-FundedRCVTypesTier4–72MonthsTier5Pre-FundingRCVReviewReq’d?66ContractContainsMultipleIssues?474DiscrepancyLetterCreatedDiscrepancyLetterandContractPkgpreparedtobesenttoDealerDOCUMENTMULTIPLEISSUES;UPDATEDINDEALERTRACK[Fiserv]5Pre-FundedRCVTypesTier6Tier7FTOEducationEdgeDifferentAddressOther(asspecified)2211NoYesNoYesNoYesNoYesNoYesNoYesNoYes2ContractFundingLetterandnon-fundedContractPkgReceived57ContractFundingDecisionLetterCreatedRejectCreditAppl