CN103854223A - Method and system for financing inside group enterprises and group fund management organization end - Google Patents
Method and system for financing inside group enterprises and group fund management organization end Download PDFInfo
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- CN103854223A CN103854223A CN201410069658.8A CN201410069658A CN103854223A CN 103854223 A CN103854223 A CN 103854223A CN 201410069658 A CN201410069658 A CN 201410069658A CN 103854223 A CN103854223 A CN 103854223A
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Abstract
The invention belongs to the technical field of information processing, and provides a method and system for financing inside group enterprises and a group fund management organization end. The method includes the steps that the group fund management organization end receives a bill pooling trusteeship request sent by a member enterprise end; the group fund management organization end examines and approves the bill pooling trusteeship request, sends a pooling instruction to a business system of a cooperative bank, and sends all of or part of bills which belong to the member enterprises but are not trusteed to the cooperative bank in a pooling mode to the cooperative bank for trusteeship in a pooling mode; the group fund management organization end and the cooperative bank sign an agreement, the right of control over the bills is acquired, the bills which are trusteed to the cooperative bank in a pooling mode are limited to go out of pools, and physical bills are locked; the group fund management organization end examines and approves a bill financing application sent by the member enterprise end and deals with financing for the member enterprises. According to the method and system, group overall financial cost can be saved.
Description
Technical field
The invention belongs to technical field of information processing, relate in particular to a kind of conglomerate internal financing method, system and group capital management organization end.
Background technology
At present, Ge great nationalized bank and joint-equity bank have released " bank money pond " product that bases oneself upon one's own profession one after another." bank money pond " is that bill is all contracted out to bank by enterprise, and bank can be according to client's needs, provide at any time commercial draft extraction, discount, pledge the financing such as make out an invoice, guarantee the comprehensive bill value-added service of one that enterprise operation needs.
The flow process that the bill pool product providing by commercial bank provides financing for client as shown in Figure 1, detailed process is: client submits market risk application to bank counter, after teller accepts, inquiry needs the bill of financing, submitting financing application to checking teller, checking teller and check, whether amount is pledged in the system judgement of commercial bank's bill pool product enough, amount is enough, can handle financing; Otherwise, can not finance.
The system of commercial bank's bill pool product is according to bill hypothecation amount, can select bill to handle discount, hypothecated loan, open L/C or open letter business, carry out ticket checking and inquiry because bill hypothecation enters Chi Shiyi, so can handle fast financing, solved rapidly the short-term capital demand of enterprise.
Can see from the financing flow process in above-mentioned bank money pond, the part bill of certainly managing or being managed on behalf of another by group capital management organization by the enterprise in group for hope, bill Bu Ruchidao cooperative bank, so the system of commercial bank's bill pool product cannot provide the financing function of the bill of not taking care of in bank.
Summary of the invention
The embodiment of the present invention provides a kind of conglomerate internal financing method, system and group capital management organization end, and being intended to solve bank money cell system that prior art provides cannot be to belonging to member enterprise but do not enter pond trustship the problem of financing function is provided to all or part of bill of cooperative bank.
On the one hand, provide a kind of conglomerate internal financing method, described method comprises:
The bill that the termination harvest person of group capital management organization enterprises end sends enters pond trustship request;
Group capital management organization end enters pond trustship request to described bill to be examined, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship;
Group capital management organization end is signed an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to the bill of cooperative bank and goes out pond, locking bill material object;
The market risk application that group capital management organization end sends member enterprise's end is examined and is that member enterprise handles financing.
Further, the market risk application that described group capital management organization end sends member enterprise's end according to the position situation of the credit position of member enterprise and group capital management organization is examined.
Further, the market risk application that described group capital management organization end sends member enterprise's end according to the position situation of the credit position of member enterprise and group capital management organization is examined and is comprised:
Group capital management organization holds credit position to member enterprise and the position situation of group capital management organization to examine;
If member enterprise has sure credibility and the position abundance of group capital management organization, for member enterprise handles financing.
Further, the market risk application at described group capital management organization end, member enterprise's end being sent is examined and is, after member enterprise handles financing, also to comprise:
Group capital management organization end judges that whether the position of group capital management organization is sufficient, if not, discounts to cooperative bank's application according to the bill in cooperative bank's trustship.
On the other hand, provide a kind of group capital management organization end, described group capital management organization end comprises:
Enter pond request reception unit, enter pond trustship request for the bill that receives member enterprise's end transmission;
Enter trustship unit, pond, for being entered to pond trustship request, examines by described bill, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship;
Bill lock cell in kind, for signing an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to the bill of cooperative bank and goes out pond, locking bill material object;
Financing is handled unit, for the market risk application of member enterprise's end transmission being examined and being that member enterprise handles financing.
Further, described in, entering trustship unit, pond examines the market risk application of member enterprise's end transmission according to the position situation of the credit position of member enterprise and group capital management organization.
Further, described in, entering trustship unit, pond comprises:
Position auditing module, examines for the position situation of the credit position to member enterprise and group capital management organization;
Standing auditing module, if for the having sure credibility and the position abundance of group capital management organization of member enterprise, for member enterprise handles financing.
Further, described group capital management organization end also comprises:
Discount unit, whether sufficient for judging the position of group capital management organization, if not, discount to cooperative bank's application according to the bill in cooperative bank's trustship.
Again on the one hand, provide a kind of conglomerate internal financing system, described system comprises group capital management organization's end as above and at least one member enterprise end, and described member enterprise end is connected with described group capital management organization.
In the embodiment of the present invention, member enterprise is by one's own, but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship, can be to group capital management organization application financing, group capital management organization can be by obtaining the administrative power of bill material object with cooperative bank cooperation, group capital management organization can utilize these bills to carry out inner credit operation, vitalizes the fund of collecting, and saves group's entirety financial expense.
Accompanying drawing explanation
Fig. 1 is the bill pool product that provides of existing commercial bank provides the process flow diagram of financing for client;
Fig. 2 is the realization flow figure of conglomerate's internal financing method of providing of the embodiment of the present invention one;
Fig. 3 is the structured flowchart of the group capital management organization end that provides of the embodiment of the present invention two;
Fig. 4 is the structured flowchart of conglomerate's internal financing system of providing of the embodiment of the present invention three.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
In embodiments of the present invention, group capital management organization termination receives that the bill that member enterprise's end sends enters after the trustship request of pond, first described bill being entered to pond trustship request examines, and transmit into the operation system of pond instruction to cooperative bank, to belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship, sign an agreement with cooperative bank again, obtain the control of bill, limit into pond trustship to the bill of cooperative bank and go out pond, locking bill material object, the market risk application finally member enterprise's end being sent is examined and is that member enterprise handles financing.
Below in conjunction with specific embodiment, realization of the present invention is described in detail:
Embodiment mono-
Fig. 2 shows the flow process of conglomerate's internal financing method that the embodiment of the present invention one provides, and describes as an example of group capital management organization end example, and details are as follows:
In step S201, the bill that the termination harvest person of group capital management organization enterprises end sends enters pond trustship request.
In the embodiment of the present invention, need to handle the member enterprise of financing, can hold transmission bill to enter pond trustship request to group capital management organization by member enterprise holds, request group capital management organization is all or part of bill from pipe by member enterprise, or all or part of bill of being managed on behalf of another by group capital management organization enters the trustship of pond to cooperative bank.Certainly can be also that member enterprise is entered to the trustship of pond to cooperative bank from all or part of bill of pipe and all or part of bill managed on behalf of another by group capital management organization.
In a word, be will to belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank to enter pond trustship to cooperative bank's trustship.
Specifically need to enter pond trustship to the bill quantity that the quantity of the bill of cooperative bank's trustship is had according to financed amount and this member enterprise by member enterprise determines.
In step S202, group capital management organization end enters pond trustship request to described bill to be examined, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship.
In the embodiment of the present invention, group capital management organization termination receives that the bill that member enterprise's end sends enters after the trustship request of pond, described bill is entered to pond trustship request to be examined, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship.
Concrete, group capital management organization end is examined the correctness of bill register information, in addition, also the type of the bank that need to enter pond trustship bill is examined.
In step S203, group capital management organization end is signed an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to the bill of cooperative bank and goes out pond, locking bill material object.
In step S204, the market risk application approval that group capital management organization end sends according to member enterprise's end is also handled financing.
In the embodiment of the present invention, according to the request of member enterprise, bill entered to pond trustship in group capital management organization to cooperative bank and obtain after the control of bill material object, member enterprise can send market risk application to group capital management organization end according to entering pond trustship to the bill of cooperative bank, group capital management organization termination is received after the market risk application of member enterprise's end transmission, can examine and handle financing to this financing application, provide financing money to member enterprise.The time limit that cooperative bank enters the bill of pond trustship to member enterprise monitors, if enter the bill to fall due of pond trustship, initiates collection by cooperative bank to member enterprise, the ticket fee of receiving is squeezed into member enterprise's secondary settlement accounts of appointment.
Concrete, market risk application can be the application of group internal hypothecated loan and group internal discount application.Group capital management organization termination is received after market risk application, according to the position situation of the credit position of member enterprise and group capital management organization, the market risk application receiving is examined, if the credit position of member enterprise is good, and the position abundance of group capital management organization, the application approval of group internal hypothecated loan is passed through, group capital management organization holds the member enterprise for initiating financing application to handle financing, and granting financing lends this member enterprise.
Preferably, group capital management organization end is signed account orientation with cooperative bank and is collected agreement, member unit's secondary settlement accounts that locking is specified, avoid the account outwards to pay, and automatically the fund in member enterprise's secondary settlement accounts of this appointment is collected to the one-level account that group offers, realize the recovery of financing fund.
Preferably, provide to member enterprise after financing money in group capital management organization, if monitor group capital management organization tight position, group capital management organization end can be according to the bill in bank's trustship to cooperative bank's application discount, handle discount by cooperative bank according to this discount application, discount money is squeezed into member enterprise's secondary balance account of appointment, and collect agreement according to group capital management organization end and the account orientation that cooperative bank signs, automatically the discount money in member enterprise's secondary settlement accounts of this appointment is collected to the one-level account that group offers, obtain position.
The present embodiment, member enterprise is by one's own, but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship, can be to group capital management organization application financing, group capital management organization can be by obtaining the administrative power of bill material object with cooperative bank cooperation, group capital management organization can utilize these bills to carry out inner credit operation, vitalizes the fund of collecting, and saves group's entirety financial expense.
Suppose that the former scale of carrying out discounted note business to cooperative bank of the member enterprise of group is 200,000,000 yuan/year, use after bill internal financing function, suppose to pay interest in the form of a deduction when selling a bill of exchange, etc. by 5.6% calculating, on average the discount time is 2 months, and group can save 1,860,000 yuan of financial costs.
Embodiment bis-
The structured flowchart that the group capital management organization that Fig. 3 shows the embodiment of the present invention two to be provided holds, for convenience of explanation, only shows the part relevant to the embodiment of the present invention.This group capital management organization end 3 comprises: enter pond request reception unit 31, enter trustship unit, pond 32, bill lock cell 33 in kind and financing handle unit 34.
Wherein, enter pond request reception unit 31, enter pond trustship request for the bill that receives member enterprise's end transmission;
Enter trustship unit, pond 32, for being entered to pond trustship request, examines by described bill, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship;
Bill lock cell 33 in kind, for signing an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to the bill of cooperative bank and goes out pond, locking bill material object;
Financing is handled unit 34, for the market risk application of member enterprise's end transmission being examined and being that member enterprise handles financing.
Concrete, described in enter the market risk application that trustship unit 32, pond sends member enterprise's end according to the position situation of the credit position of member enterprise and group capital management organization and examine.
Concrete, described in enter trustship unit, pond 32 and comprise:
Position auditing module, examines for the position situation of the credit position to member enterprise and group capital management organization;
Standing auditing module, if for the having sure credibility and the position abundance of group capital management organization of member enterprise, for member enterprise handles financing.
Further, described group capital management organization end 3 also comprises:
Discount unit, whether sufficient for judging the position of group capital management organization, if not, discount to cooperative bank's application according to the bill in cooperative bank's trustship.
The group capital management organization end that the embodiment of the present invention provides can be applied in the embodiment of the method one of aforementioned correspondence, and details, referring to the description of above-described embodiment one, do not repeat them here.
Embodiment tri-
Fig. 4 shows the structured flowchart of conglomerate's internal financing system that the embodiment of the present invention three provides, and for convenience of explanation, only shows the part relevant to the embodiment of the present invention.This conglomerate's internal financing system 4 comprises: group capital management organization end 3 and at least one member enterprise's end, each member enterprise end all holds 3 to keep being connected with group capital management organization.In the present embodiment, describe as an example of member enterprise's end 41 example, this member enterprise's end 41 holds 3 to be connected with group capital management organization.
The bill that group capital management organization end 3 receives member enterprise's end 41 transmissions enters after the trustship request of pond, first described bill being entered to pond trustship request examines, and transmit into the operation system of pond instruction to cooperative bank, to belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship, sign an agreement with cooperative bank again, obtain the control of bill, limit into pond trustship to the bill of cooperative bank and go out pond, locking bill material object, the market risk application finally member enterprise's end being sent is examined and is that member enterprise handles financing.
Conglomerate's internal financing system that the embodiment of the present invention provides can be applied in the embodiment of the method one of aforementioned correspondence, and details, referring to the description of above-described embodiment one, do not repeat them here.
It should be noted that in said system embodiment, included unit is just divided according to function logic, but is not limited to above-mentioned division, as long as can realize corresponding function; In addition, the concrete title of each functional unit also, just for the ease of mutual differentiation, is not limited to protection scope of the present invention.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (9)
1. conglomerate's internal financing method, is characterized in that, described method comprises:
The bill that the termination harvest person of group capital management organization enterprises end sends enters pond trustship request;
Group capital management organization end enters pond trustship request to described bill to be examined, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship;
Group capital management organization end is signed an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to the bill of cooperative bank and goes out pond, locking bill material object;
The market risk application that group capital management organization end sends member enterprise's end is examined and is that member enterprise handles financing.
2. the method for claim 1, is characterized in that, the market risk application that described group capital management organization end sends member enterprise's end according to the position situation of the credit position of member enterprise and group capital management organization is examined.
3. method as claimed in claim 2, is characterized in that, the market risk application that described group capital management organization end sends member enterprise's end according to the position situation of the credit position of member enterprise and group capital management organization is examined and comprised:
Group capital management organization holds credit position to member enterprise and the position situation of group capital management organization to examine;
If member enterprise has sure credibility and the position abundance of group capital management organization, for member enterprise handles financing.
4. the method as described in claim 1,2 or 3, is characterized in that, market risk application member enterprise's end being sent at described group capital management organization end is examined and is, after member enterprise handles financing, also to comprise:
Group capital management organization end judges that whether the position of group capital management organization is sufficient, if not, discounts to cooperative bank's application according to the bill in cooperative bank's trustship.
5. group capital management organization end, is characterized in that, described group capital management organization end comprises:
Enter pond request reception unit, enter pond trustship request for the bill that receives member enterprise's end transmission;
Enter trustship unit, pond, for being entered to pond trustship request, examines by described bill, and transmit into the operation system of pond instruction to cooperative bank, will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship;
Bill lock cell in kind, for signing an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to the bill of cooperative bank and goes out pond, locking bill material object;
Financing is handled unit, for the market risk application of member enterprise's end transmission being examined and being that member enterprise handles financing.
6. group capital as claimed in claim 5 management organization end, is characterized in that, described in enter the market risk application that trustship unit, pond sends member enterprise's end according to the position situation of the credit position of member enterprise and group capital management organization and examine.
7. group capital as claimed in claim 6 management organization end, is characterized in that, described in enter trustship unit, pond and comprise:
Position auditing module, examines for the position situation of the credit position to member enterprise and group capital management organization;
Standing auditing module, if for the having sure credibility and the position abundance of group capital management organization of member enterprise, for member enterprise handles financing.
8. the group capital management organization as described in claim 5,6 or 7 end, is characterized in that, described group capital management organization end also comprises:
Discount unit, whether sufficient for judging the position of group capital management organization, if not, discount to cooperative bank's application according to the bill in cooperative bank's trustship.
9. conglomerate's internal financing system, is characterized in that, described system comprises group capital management organization as described in claim 5 to 8 any one end and at least one member enterprise end, and described member enterprise end is connected with described group capital management organization.
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| CN201410069658.8A CN103854223B (en) | 2014-02-27 | 2014-02-27 | A kind of conglomerate's internal financing method, system and group capital management organization end |
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| CN103854223B CN103854223B (en) | 2017-11-07 |
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| CN108537512A (en) * | 2018-04-16 | 2018-09-14 | 通联支付网络服务股份有限公司山东分公司 | Employee welfare card system and employee compensation's payroll management method |
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| CN110889751A (en) * | 2018-08-16 | 2020-03-17 | 北京京东金融科技控股有限公司 | Enterprise fund pool management method, device and system, electronic equipment and readable medium |
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| CN103854223B (en) | 2017-11-07 |
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