Deposit Product Factory
Chinese source: 存款产品工厂
Locale: en-US
Audience: Internal learning
The deposit product factory configures the rules behind demand deposits, savings accounts, time deposits, and CD-like products. It determines whether an account can be opened, how interest is accrued and posted, whether early withdrawal is allowed, how maturity is handled, whether fees apply, and whether channels or account status restrict transactions.
Content Structure
| Topic | Purpose |
|---|---|
| Product model | Product categories, product hierarchy, parameter inheritance, and eligible customer segments. |
| Demand deposit configuration | Base parameters, interest rules, interest posting, and account controls for DDA/checking/savings-style products. |
| Time deposit configuration | Term, minimum opening amount, withdrawal, maturity, and rollover rules. |
| Rate and interest rules | Rate plans, spreads, tiers, accrual basis, and posting behavior. |
| Maturity handling | Maturity date, grace period, automatic rollover, and overdue handling. |
| Fee rules | Fee items, charging methods, waivers, and fee posting accounts. |
| Account controls and transaction restrictions | Opening restrictions, withdrawal restrictions, channel restrictions, and status controls. |
| Product publishing and effective dates | Effective date, expiration date, versioning, and impact on existing accounts. |
Reading Focus
Do not document product factory pages as field lists only. Explain which operations pages and business results each parameter affects. For example, a time deposit maturity rule can affect time deposit withdrawal, rollover history, deposit account inquiry, and interest simulation.