CN103854223B - A kind of conglomerate's internal financing method, system and group capital management organization end - Google Patents
A kind of conglomerate's internal financing method, system and group capital management organization end Download PDFInfo
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- CN103854223B CN103854223B CN201410069658.8A CN201410069658A CN103854223B CN 103854223 B CN103854223 B CN 103854223B CN 201410069658 A CN201410069658 A CN 201410069658A CN 103854223 B CN103854223 B CN 103854223B
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Abstract
The present invention is applied to technical field of information processing there is provided a kind of conglomerate's internal financing method, system and group capital management organization end, and methods described includes：The bill that group capital management organization termination harvest person enterprises end is sent enters pond trustship request；Group capital management organization end enters pond trustship request to the bill and examined, and transmit into pond and instruct to the operation system of cooperative bank, member enterprise will be belonged to 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, and the bill limited into pond trustship to cooperative bank goes out pond, and locking bill is in kind；The market risk application that member enterprise end is sent is examined and is that member enterprise handles financing in group capital management organization end.The present invention, can save the overall financial expenses of group.
Description
Technical field
The invention belongs to technical field of information processing, more particularly to a kind of conglomerate's internal financing method, system and collection
Group's institutions managing funds end.
Background technology
At present, major nationalized banks and joint-equity bank are proposed " bank money pond " product for basing oneself upon one's own profession one after another." silver
Row bill pool " is that bill is all contracted out to bank by enterprise, the need for bank can be according to client, and commercial draft is provided at any time
Extract, discount, pledging the financing such as make out an invoice, it is ensured that a kind of comprehensive bill value-added service that enterprise operation needs.
The bill pool product provided by business bank provides the flow of financing as shown in figure 1, detailed process is for client：
Client submits market risk application to bank counter, after teller accepts, and inquires about the bill that need to finance, submits financing application to checking
Teller, checks teller and checks, and the system judgement of business bank's bill pool product pledges whether amount is enough, and amount enough, then may be used
To handle financing；Otherwise, it is impossible to finance.
The system of business bank's bill pool product according to bill hypothecation amount, optional bill handle discount, hypothecated loan,
Letter business is opened L/C or opened, ticket checking and inquiry are had been carried out when entering pond due to bill hypothecation, so financing can be quickly handled, rapid solution
The certainly short-term capital demand of enterprise.
It can see from the financing flow in above-mentioned bank money pond, for wishing the enterprise in group from pipe or by collecting
The part bill managed on behalf of another of group's institutions managing funds, bill does not enter pond to cooperative bank, so business bank's bill pool product
System can not provide the financing function for the bill do not taken care of in bank.
The content of the invention
The embodiments of the invention provide a kind of conglomerate's internal financing method, system and group capital management organization end,
Aim to solve the problem that the bank money cell system that prior art is provided can not be to belonging to member enterprise but not entering pond trustship to cooperation silver
The problem of capable all or part of bill provides financing function.
On the one hand there is provided a kind of conglomerate's internal financing method, methods described includes：
The bill that group capital management organization termination harvest person enterprises end is sent enters pond trustship request；
Group capital management organization end enters trustship request in pond to the bill and examined, and transmits into pond and instruct to cooperation
The operation system of bank, member enterprise will be belonged to but do not enter pond trustship to all or part of bill of cooperative bank enter pond support
Pipe is to cooperative bank's trustship；
Group capital management organization end is signed an agreement with cooperative bank, is obtained the control of bill, is limited into pond trustship extremely
The bill of cooperative bank goes out pond, and locking bill is in kind；
The market risk application that member enterprise end is sent is examined and is member enterprise in group capital management organization end
Handle financing.
Further, credit position and group capital supervisor of the group capital management organization end according to member enterprise
The position situation of structure is examined to the market risk application that member enterprise end is sent.
Further, credit position and group capital supervisor of the group capital management organization end according to member enterprise
The market risk application that the position situation of structure is sent to member enterprise end, which carries out examination ＆ approval, to be included：
Group capital management organization end is entered to the credit position of member enterprise and the position situation of group capital management organization
Row examination ＆ verification；
If member enterprise have sure credibility and the position of group capital management organization is sufficient, handle and melt for member enterprise
Money.
Further, the market risk application that member enterprise end is sent is examined at group capital management organization end
Criticize and be after member enterprise handles financing, in addition to：
Group capital management organization end judges whether the position of group capital management organization sufficient, if it is not, then according to
The bill of cooperative bank's trustship is applied discounting to cooperative bank.
On the other hand there is provided a kind of group capital management organization end, group capital management organization end includes：
Enter pond request reception unit, pond trustship request is entered for receiving the bill that member enterprise end is sent；
Enter pond trustship unit, examine, and transmit into pond instructing to cooperation for entering pond trustship request to the bill
The operation system of bank, member enterprise will be belonged to but do not enter pond trustship to all or part of bill of cooperative bank enter pond support
Pipe is to cooperative bank's trustship；
Bill material object lock cell, for being signed an agreement with cooperative bank, obtains the control of bill, limits into pond trustship
Bill to cooperative bank goes out pond, and locking bill is in kind；
Financing handles unit, for being examined and being done for member enterprise to the market risk application that member enterprise end is sent
Reason financing.
Further, it is described enter pond trustship unit according to the credit position of member enterprise and the head of group capital management organization
Very little situation is examined to the market risk application that member enterprise end is sent.
Further, it is described enter pond trustship unit include：
Position auditing module, the position situation for the credit position to member enterprise and group capital management organization is carried out
Examination ＆ verification；
Standing auditing module, if for member enterprise have sure credibility and the position of group capital management organization is sufficient,
Then financing is handled for member enterprise.
Further, group capital management organization end also includes：
Unit is discounted, for judging whether the position of group capital management organization is sufficient, if it is not, then according in cooperation silver
The bill of row trustship is applied discounting to cooperative bank.
Another further aspect includes group capital as described above there is provided a kind of conglomerate's internal financing system, the system
Management organization end and at least one member enterprise end, the member enterprise end is connected with the group capital management organization.
In the embodiment of the present invention, member enterprise will be one's own, but do not enter pond trustship to the whole of cooperative bank or
Person part bill enters after pond trustship to cooperative bank's trustship, can apply financing to group capital management organization, group capital management
Mechanism can be by obtaining bill administrative power in kind with cooperative bank cooperation, and group capital management organization can utilize these bills
Carry out internal credit operation, vitalize the fund of collecting, save the overall financial expenses of group.
Brief description of the drawings
Fig. 1 is the flow chart that the bill pool product that existing business bank provides provides financing for client；
Fig. 2 is the implementation process figure for conglomerate's internal financing method that the embodiment of the present invention one is provided；
Fig. 3 is the structured flowchart at the group capital management organization end that the embodiment of the present invention two is provided；
Fig. 4 is the structured flowchart for conglomerate's internal financing system that the embodiment of the present invention three is provided.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
In embodiments of the present invention, group capital management organization termination receives the bill that member enterprise end sends and enters pond trustship
After request, pond trustship request is first entered to the bill and is examined, and transmit into pond to instruct to the operation system of 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,
Signed an agreement again with cooperative bank, obtain the control of bill, the bill limited into pond trustship to cooperative bank goes out pond, locks ticket
Factually thing, is finally examined to the market risk application that member enterprise end is sent and is that member enterprise handles financing.
The realization of the present invention is described in detail below in conjunction with specific embodiment：
Embodiment one
Fig. 2 shows the flow for conglomerate's internal financing method that the embodiment of the present invention one is provided, with group capital pipe
Illustrated exemplified by reason mechanism end, details are as follows：
In step s 201, the bill that group capital management organization termination harvest person enterprises end is sent enters pond trustship request.
, it is necessary to handle the member enterprise of financing in the embodiment of the present invention, bill can be sent by member enterprise end and enter pond
Trustship is asked to group capital management organization end, and request group capital management organization is by member enterprise from all or part of of pipe
Bill, or the trustship of pond to cooperative bank is entered by all or part of bill that group capital management organization manages on behalf of another.Certainly, also may be used
To be all or part of ticket for managing on behalf of another member enterprise from all or part of bill of pipe and by group capital management organization
According to entering the trustship of pond to cooperative bank.
In a word, it is that will belong to member enterprise but do not enter pond trustship to all or part of bill of cooperative bank to enter pond support
Pipe is to cooperative bank's trustship.
The specific quantity needed into pond trustship to the bill of cooperative bank's trustship is by member enterprise according to financed amount and should
Bill quantity that member enterprise is possessed is determined.
In step S202, group capital management organization end enters pond trustship request to the bill and examined, and sends
Enter pond to instruct to the operation system of cooperative bank, member enterprise will be belonged to but do not enter pond trustship to the whole of cooperative bank or
Part bill enters pond trustship to cooperative bank's trustship.
In the embodiment of the present invention, group capital management organization termination receive the bill that member enterprise end sends enter pond trustship please
After asking, pond trustship request is entered to the bill and is examined, and transmits into pond to instruct to the operation system of cooperative bank, will be belonged 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.
Specifically, group capital management organization end is examined to the correctness of bill register information, in addition, also to needing
The type for entering the bank of 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, limit
The bill made into pond trustship to cooperative bank goes out pond, and locking bill is in kind.
In step S204, the market risk application approval that group capital management organization end is sent according to member enterprise end is simultaneously
Handle financing.
In the embodiment of the present invention, bill is entered to conjunction by pond trustship according to the request of member enterprise in group capital management organization
Make bank and obtain after bill control in kind, member enterprise can be according to entering pond trustship to the bill of cooperative bank to group
Institutions managing funds end sends market risk application, and the bill that group capital management organization termination receives member enterprise's end transmission melts
After money application, the financing application can be examined and handle financing, provide financing money to member enterprise.Cooperative bank into
The time limit of the member enterprise bill that enters pond trustship is monitored, if entering the bill to fall due of pond trustship, from cooperative bank to member
Enterprise initiates collection, and the ticket fee received is squeezed into the level settlement account of member enterprise two specified.
Specifically, market risk application can be the application of group internal hypothecated loan and group internal discount application.Group
Institutions managing funds termination is received after market risk application, according to the credit position of member enterprise and group capital management organization
Position situation is examined to the market risk application received, if the credit position of member enterprise is good, and group capital
The position of management organization is sufficient, then group internal hypothecated loan application approval passes through, and group capital management organization melts at end for initiation
Provide the member enterprise applied and handle financing, and provide financing and lend the member enterprise.
Preferably, group capital management organization end and cooperative bank sign account orientation and collect agreement, lock specify into
Member's level settlement account of unit two, it is to avoid the account outwards pays, and in the level settlement account of member enterprise two for automatically specifying this
Fund collect the one-level account that group opens up, realize the recovery of financing fund.
Preferably, after group capital management organization provides financing money to member enterprise, if monitoring group capital pipe
Mechanism tight position is managed, group capital management organization end can apply discounting according to the bill in bank's trustship to cooperative bank, by
Cooperative bank handles discount according to the discount application, and discount money is squeezed into the level settlement account of member enterprise two specified, and foundation
The account orientation that group capital management organization end is signed with cooperative bank collects agreement, two grades of member enterprise for automatically specifying this
Discount money in settlement accounts collects the one-level account that group opens up, and obtains position.
The present embodiment, member enterprise will be one's own, but it is all or part of to cooperative bank not enter pond trustship
Bill enters after pond trustship to cooperative bank's trustship, can apply financing to group capital management organization, group capital management organization can
By obtaining bill administrative power in kind with cooperative bank cooperation, in group capital management organization can be carried out using these bills
Portion's credit operation, vitalizes the fund of collecting, and saves the overall financial expenses of group.
Assuming that the former scale for carrying out discounted note business to cooperative bank of the member enterprise of group is 200,000,000 yuan/year, ticket is used
After internal financing function, it is assumed that calculate and pay interest in the form of a deduction when selling a bill of exchange, etc. by 5.6%, it is 2 months averagely to discount the time, then group can save financial cost
1860000 yuan.
Embodiment two
Fig. 3 shows the structured flowchart at the group capital management organization end that the embodiment of the present invention two is provided, for the ease of saying
It is bright, it illustrate only the part related to the embodiment of the present invention.The group capital management organization end 3 includes：Enter pond request and receive single
First 31, enter pond trustship unit 32, bill lock cell 33 in kind and financing handles unit 34.
Wherein, enter pond request reception unit 31, pond trustship request is entered for receiving the bill that member enterprise end is sent；
Enter pond trustship unit 32, examine, and transmit into pond instructing to conjunction for entering pond trustship request to the bill
Make the operation system of bank, member enterprise will be belonged to but do not enter pond trustship to all or part of bill of cooperative bank and enter pond
Trustship is to cooperative bank's trustship；
Bill material object lock cell 33, for being signed an agreement with cooperative bank, obtains the control of bill, limits into pond support
Pipe to the bill of cooperative bank goes out pond, and locking bill is in kind；
Financing handles unit 34, for being examined to the market risk application that member enterprise end is sent and being member enterprise
Handle financing.
Specifically, it is described enter pond trustship unit 32 according to the credit position of member enterprise and the head of group capital management organization
Very little situation is examined to the market risk application that member enterprise end is sent.
Specifically, it is described enter pond trustship unit 32 include：
Position auditing module, the position situation for the credit position to member enterprise and group capital management organization is carried out
Examination ＆ verification；
Standing auditing module, if for member enterprise have sure credibility and the position of group capital management organization is sufficient,
Then financing is handled for member enterprise.
Further, group capital management organization end 3 also includes：
Unit is discounted, for judging whether the position of group capital management organization is sufficient, if it is not, then according in cooperation silver
The bill of row trustship is applied discounting to cooperative bank.
Group capital management organization provided in an embodiment of the present invention end can be applied in foregoing corresponding embodiment of the method one
In, details will not be repeated here referring to the description of above-described embodiment one.
Embodiment three
Fig. 4 shows the structured flowchart for conglomerate's internal financing system that the embodiment of the present invention three is provided, for the ease of
Illustrate, illustrate only the part related to the embodiment of the present invention.Conglomerate's internal financing system 4 includes：Group capital pipe
Manage mechanism end 3 and at least one member enterprise end, each member enterprise end keeps being connected with group capital management organization end 3.
Illustrated in the present embodiment by taking a member enterprise end 41 as an example, the member enterprise end 41 and group capital management organization end
3 connections.
The bill that group capital management organization end 3 receives the transmission of member enterprise end 41 enters after the trustship request of pond, first to institute
State bill and enter pond trustship request and examined, and transmit into pond and instruct to the operation system of cooperative bank, member enterprise will be belonged to
But do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship to cooperative bank's trustship, then with cooperative bank
Sign an agreement, obtain the control of bill, the bill limited into pond trustship to cooperative bank goes out pond, and locking bill is in kind, finally
Market risk application to member enterprise's end transmission is examined and is that member enterprise handles financing.
Conglomerate's internal financing system provided in an embodiment of the present invention can be applied in foregoing corresponding embodiment of the method
In one, details will not be repeated here referring to the description of above-described embodiment one.
It is worth noting that, in said system embodiment, included unit is simply drawn according to function logic
Point, but above-mentioned division is not limited to, as long as corresponding function can be realized；In addition, each functional unit is specific
Title is also only to facilitate mutually distinguish, the protection domain being not intended to limit the invention.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
Any modifications, equivalent substitutions and improvements made within refreshing and principle etc., should be included in the scope of the protection.
Claims (9)
1. a kind of conglomerate's internal financing method, it is characterised in that methods described includes：
The bill that group capital management organization termination harvest person enterprises end is sent enters pond trustship request；
Group capital management organization end enters trustship request in pond to the bill and examined, and transmits into pond and instruct to cooperative bank
Operation system, member enterprise will be belonged to but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship extremely
Cooperative bank's trustship, wherein, group capital management organization end, which enters pond trustship request progress examination ＆ approval to the bill, to be included：It is right
Need into the register information of pond bill correctness and need the type of the bank into pond bill to be examined；
Group capital management organization end is signed an agreement with cooperative bank, obtains the control of bill, is limited into pond trustship to cooperation
The bill of bank goes out pond, and locking bill is in kind；
The market risk application that member enterprise end is sent is examined and handled for member enterprise in group capital management organization end
Financing；
Account orientation is signed with cooperative bank and collects agreement, two grades of knots of locking mandatory member enterprise in group capital management organization end
Do accounts family, it is to avoid two level settlement accounts of the mandatory member enterprise are outwards paid, and by two grades of the mandatory member enterprise
Fund in settlement accounts collects the one-level account that group opens up.
2. the method as described in claim 1, it is characterised in that group capital management organization end is according to the money of member enterprise
Letter situation and the position situation of group capital management organization are examined to the market risk application that member enterprise end is sent.
3. method as claimed in claim 2, it is characterised in that group capital management organization end is according to the money of member enterprise
The market risk application that letter situation and the position situation of group capital management organization are sent to member enterprise end, which carries out examination ＆ approval, to be included：
Group capital management organization end is examined the credit position of member enterprise and the position situation of group capital management organization
Core；
If member enterprise have sure credibility and the position of group capital management organization is sufficient, handle financing for member enterprise.
4. the method as described in claim 1,2 or 3, it is characterised in that looked forward at group capital management organization end member
The market risk application that industry end is sent is examined and is after member enterprise handles financing, in addition to：
Group capital management organization end judges whether the position of group capital management organization is sufficient, if it is not, then according in cooperation
The bill of bank's trustship is applied discounting to cooperative bank.
5. a kind of group capital management organization end, it is characterised in that group capital management organization end includes：
Enter pond request reception unit, pond trustship request is entered for receiving the bill that member enterprise end is sent；
Enter pond trustship unit, examine, and transmit into pond instructing to cooperative bank for entering pond trustship request to the bill
Operation system, member enterprise will be belonged to but do not enter pond trustship to all or part of bill of cooperative bank and enter pond trustship extremely
Cooperative bank's trustship, wherein, it is described to enter trustship request in pond to the bill and carry out examination ＆ approval to include：To needing the registration into pond bill
The correctness of information and the type of the bank into pond bill is needed to be examined；
Bill material object lock cell, for being signed an agreement with cooperative bank, obtains the control of bill, limits into pond trustship to conjunction
The bill for making bank goes out pond, and locking bill is in kind；
Financing handles unit, for being examined to the market risk application that member enterprise end is sent and being that member enterprise handles and melted
Money；
Group capital management organization end is additionally operable to, and signing account orientation with cooperative bank collects agreement, locks mandatory member
Two level settlement accounts of enterprise, it is to avoid two level settlement accounts of the mandatory member enterprise are outwards paid, and are designated as described
Fund in two level settlement accounts of member enterprise collects the one-level account that group opens up.
6. group capital management organization end as claimed in claim 5, it is characterised in that it is described enter pond trustship unit according to member
The market risk application that the credit position of enterprise and the position situation of group capital management organization are sent to member enterprise end is carried out
Examination ＆ approval.
7. group capital management organization end as claimed in claim 6, it is characterised in that it is described enter pond trustship unit include：
Position auditing module, the position situation for the credit position to member enterprise and group capital management organization is examined
Core；
Standing auditing module, if for member enterprise have sure credibility and the position of group capital management organization is sufficient, for
Member enterprise handles financing.
8. the group capital management organization end as described in claim 5,6 or 7, it is characterised in that the group capital supervisor
Structure end also includes：
Unit is discounted, for judging whether the position of group capital management organization is sufficient, if it is not, then being held in the palm according in cooperative bank
The bill of pipe is applied discounting to cooperative bank.
9. a kind of conglomerate's internal financing system, it is characterised in that the system is included such as any one of claim 5 to 8 institute
The group capital management organization end and at least one member enterprise end stated, the member enterprise end and the group capital supervisor
Structure is connected.
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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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| 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 true CN103854223B (en) | 2017-11-07 |
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Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106934517A (en) * | 2015-12-31 | 2017-07-07 | 远光软件股份有限公司 | A kind of enterprise's bill pool management system and its method |
| CN106991302A (en) * | 2016-12-31 | 2017-07-28 | 融捷科技（武汉）有限公司 | Company's authority mandatory system based on supply chain financial service platform |
| 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 |
| CN110889751B (en) * | 2018-08-16 | 2024-04-19 | 京东科技控股股份有限公司 | Enterprise fund pool management method, device, system, electronic equipment and readable medium |
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| WO2009135154A1 (en) * | 2008-05-02 | 2009-11-05 | State Street Corporation | Computer system architecture and computer implemented methods for enhanced custody and principal lending of securities |
| CN101794429A (en) * | 2009-12-28 | 2010-08-04 | 中国工商银行股份有限公司 | Method and system for sharing guarantee data based on dynamic bill pool |
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