To offer the greatest level of flexibility, both COB and integration parameters should be user-definable including overall applicability, reimbursement percentage, and application of credit reserve.

• 为了提供最大程度的弹性度，COB和集成参数都应该是可以由用户来自行定义的，包括总体上的适应性，偿还比例，和信用储备的应用。