Syndicated Loan System Design Based On Ems

With the acceleration of global economic integration, there are more and more demand for cross-board financing, especially for large multinational corporations and large government projects. For risk control considerations, a single financial institution can not alone provide such loans. A syndicated loan is one that is offered by a group of lenders (called a syndicate) who work together to provide funds for a single borrower. The loan may involve fixed amounts, a credit line, or a combination of the two. Interest rates can be fixed for the term of the loan or floating based on a benchmark rate such as the London Interbank Offered Rate (LIBOR). A, the leading global financial services company, its Capital Markets Origination business is the first choice among issuers for their underwriting needs due to its unmatched global footprint, diverse range of products and track record of executing transactions for its clients amid unprecedented market conditions. But to a large organization as A, a broad geographical distribution makes it difficult to share information, the lack of platform has led to professional market data can not be introduced, all these make it difficult for creating complex financial terms for clients。EMS enables data services in capital market origination offices around the world shared in real time, while the system can promote cross-regional collaboration, help bankers provide the most valuable professional advice, the most innovative solutions and the most efficient execution to clients. In this paper, firstly analyze the A group legacy lending system status and issues, clear the need for system development. On this basis, introduce the syndicated loans system’s main functions and core business processes. Then discuss core subsystem design of the third-party data import and validation, state-based loan processing and custom reports, which focuses on the transaction data in packaging, distribution, transmission and response mechanisms. Finally, the shortcomings of the system are summarized.