CN103955792A - Self-run bill loaning method and system for group enterprise - Google Patents
Self-run bill loaning method and system for group enterprise Download PDFInfo
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- CN103955792A CN103955792A CN201410164152.5A CN201410164152A CN103955792A CN 103955792 A CN103955792 A CN 103955792A CN 201410164152 A CN201410164152 A CN 201410164152A CN 103955792 A CN103955792 A CN 103955792A
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Abstract
The embodiment of the invention provides a self-run bill loaning method and system for a group enterprise. An interest cashing subsystem pledges and pools a bill to a bill issuing subsystem; a capital management subsystem receives a bill issuing application instruction from a payment subsystem, stores cash deposit of the payment subsystem and sends a bill loaning instruction to the bill issuing subsystem; the bill issuing subsystem issues a bill corresponding to the bill amount issued by the payment subsystem to the payment subsystem according to the bill loaning instruction; the capital management subsystem receives interest, corresponding to the bill amount issued by the payment subsystem, paid by the payment subsystem; as a result, a group internal capital management mechanism is helped to conduct internal credit businesses by means of bill pledge, activate collected capital and save overall financial expenses of a group.
Description
Technical field
The invention belongs to technical field of information processing, refer more particularly to the method and system that ticket is borrowed on one's own account by a kind of conglomerate.
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, ensure the comprehensive bill value-added service of one that enterprise operation needs.
The bill pool product providing by commercial bank be the new drawing of bill of exchange of client flow process as shown in Figure 1, detailed process is: client submits billing request to bank counter, after teller accepts, examination application material, at banking system typing bill pool protocol information, system judges that whether bill pool amount is enough, if amount is enough, teller uses banking system to make out an invoice, if amount is inadequate, cannot make out an invoice, prompting client's remargin or append new bill and enter pond and pledge.
Part commercial bank provides on one's own account and has borrowed ticket thinking, but does not specifically implement amount management and control scheme, more there is no feasible loan ticket distribution of interests scheme.The precipitation bill that general headquarters of group can utilize " bill pool " to form carries out channelling surplus goods to needly areas between member enterprise, borrow the certain interest of ticket corporate payments, the interest income producing is except general headquarters deserved, and the average balance that the major part of gained interest income is deposited to ticket this year according to enterprise is distributed (entrust loan ticket except).Be an encouragement to Cun Piao enterprise like this, but there is no the management and control mode of explanation to pond amount, interest storage subsystem obtains how many incomes be can not determine, it is also uncertain that general headquarters are ready to take out how many distributions of income, and scheme is not feasible.
Thereby bank is unfamiliar with for running, the management of business administration, particularly group internal capital management mechanism, its product business of being based on bank are carried out and risk control demand more, are difficult to provide the product that meets group's benefits of different parties demand.While carrying out trust loan ticket business such as group internal capital management mechanism, need between settlement center of group (capital company), confession ticket enterprise and Dai Piao enterprise, realize the balance of interests, this just needs professional fund solution and software vendor to help conglomerate, common structure solution, and rely on the fund of each commercial bank, the interests demand of each side of bill management Realization of Product group.
Summary of the invention
The method and system that the embodiment of the present invention provides a kind of conglomerate to borrow ticket on one's own account, are intended to solve one or more enterprise in conglomerate and how realize the problem of borrowing ticket by other enterprises.
A kind of method that ticket is borrowed on one's own account by conglomerate, described conglomerate comprises that paying subsystem, capital management subsystem, interest storage subsystem and bill opens subsystem, and described capital management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described interest storage subsystem enters pond by bill hypothecation and opens subsystem to described bill;
Described bill is opened subsystem increases the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging;
Described capital management subsystem receives the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
The bill corresponding to bill amount of making out an invoice of described payment subsystem opened subsystem and open to described payment subsystem according to the instruction of described loan ticket by described bill, record the facility extent of described capital management subsystem and reduce the full amount of described conglomerate, the bill amount that the full amount of the described conglomerate reducing is made out an invoice with described payment subsystem is identical, and the facility extent of described capital management subsystem is identical with the bill amount that described payment subsystem is made out an invoice;
Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate, the facility extent of described capital management subsystem reducing is the guaranty money's of the described payment subsystem bill amount of making out an invoice and described payment subsystem amount poor, and the full amount of the described conglomerate of increase is identical with the bill amount that described payment subsystem is made out an invoice;
Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice.
Described method also comprises:
In the situation that the application of described interest storage subsystem is made out an invoice, described interest storage subsystem contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
If the full amount of described conglomerate is greater than in the situation of the bill amount that described interest storage subsystem makes out an invoice, described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Described method also comprises:
In the situation that the application of described interest storage subsystem is made out an invoice, described interest storage subsystem contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
If the full amount of described conglomerate is less than in the situation of the bill amount that described interest storage subsystem makes out an invoice, the bill hypothecation of storage is entered pond by described capital management subsystem to be opened subsystem or opens subsystem to described bill and prop up and pay earnest money to described bill;
Described bill is opened subsystem increases the full amount of described conglomerate, increase described capital management subsystem pledges guaranty money's amount of amount or described capital management subsystem, reduces the facility extent of described capital management subsystem;
Described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Described method also comprises:
Described bill is opened subsystem and is sent standing guarantee amount to described capital management subsystem;
The instruction of billing request and the guaranty money of described payment subsystem payment that receives described payment subsystem at described capital management subsystem, guaranty money open subsystem to described bill and send and borrow ticket instruction described in described capital management subsystem stores, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem and is opened the bill corresponding to bill amount of making out an invoice of described payment subsystem according to the instruction of described loan ticket to described payment subsystem, and reduces the standing guarantee amount of described capital management subsystem;
Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by described guaranty money, and increases the standing guarantee amount of management organization of described conglomerate;
Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice.
Described method also comprises:
Described bill is opened subsystem and is utilized described guaranty money to carry out finance services, and and the described capital management subsystem profit of distributing described finance services.
The system that ticket is borrowed on one's own account by a kind of conglomerate, described system comprises that paying subsystem, capital management subsystem, interest storage subsystem and bill opens subsystem, and described capital management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described interest storage subsystem, opens subsystem for bill hypothecation being entered to pond to described bill;
Described bill is opened subsystem, for increase the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging;
Described capital management subsystem, for receiving the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem, also for open the bill corresponding to bill amount of making out an invoice of described payment subsystem to described payment subsystem according to the instruction of described loan ticket, record the facility extent of described capital management subsystem and reduce the full amount of described conglomerate, the bill amount that the full amount of the described conglomerate reducing is made out an invoice with described payment subsystem is identical, and the facility extent of described capital management subsystem is identical with the bill amount that described payment subsystem is made out an invoice; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, pay described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate, the facility extent of described capital management subsystem reducing is the guaranty money's of the described payment subsystem bill amount of making out an invoice and described payment subsystem amount poor, and the full amount of the described conglomerate of increase is identical with the bill amount that described payment subsystem is made out an invoice;
Described capital management subsystem, the interest corresponding to bill amount of also making out an invoice for receiving the described payment subsystem of described payment subsystem payment.
Described interest storage subsystem, in the situation that the application of described interest storage subsystem is made out an invoice, contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
Described bill is opened subsystem, if be also greater than in the situation of the bill amount that described interest storage subsystem makes out an invoice for the full amount of described conglomerate, described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Described interest storage subsystem, for contrasting bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate in the situation that the application of described interest storage subsystem is made out an invoice;
Described capital management subsystem, if be also less than in the situation of the bill amount that described interest storage subsystem makes out an invoice, the bill hypothecation of storage to be entered to pond and open subsystem or open subsystem to described bill and prop up and pay earnest money to described bill for the full amount of described conglomerate;
Described bill is opened subsystem, also for increasing the full amount of described conglomerate, increase described capital management subsystem and pledge guaranty money's amount of amount or described capital management subsystem, reduce the facility extent of described capital management subsystem; Open to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Described bill is opened subsystem, also for send standing guarantee amount to described capital management subsystem;
Described capital management subsystem, also for receiving at described capital management subsystem the instruction of billing request and the guaranty money of described payment subsystem payment of described payment subsystem, store described guaranty money and open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem, also for open the bill corresponding to bill amount of making out an invoice of described payment subsystem to described payment subsystem according to the instruction of described loan ticket, and reduces the standing guarantee amount of described capital management subsystem; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, pay described payment subsystem by described guaranty money, and increase the standing guarantee amount of management organization of described conglomerate;
Described capital management subsystem, the interest corresponding to bill amount of also making out an invoice for receiving the described payment subsystem of described payment subsystem payment.
Described bill is opened subsystem also for utilizing described guaranty money to carry out finance services, and and the described capital management subsystem profit of distributing described finance services.
A kind of method that the embodiment of the present invention provides conglomerate to borrow ticket on one's own account, described interest storage subsystem enters pond by bill hypothecation and opens subsystem to described bill; Described bill is opened subsystem increases the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging; Described capital management subsystem receives the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction; The bill corresponding to bill amount of making out an invoice of described payment subsystem opened subsystem and open to described payment subsystem according to the instruction of described loan ticket by described bill, records the facility extent of described capital management subsystem and reduce the full amount of described conglomerate; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate; Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice, thereby help group internal capital management mechanism to utilize bill hypothecation to carry out inner credit operation, vitalize the fund of collecting, save group's entirety financial expense.
Brief description of the drawings
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the process flow diagram of a kind of new drawing of bill of exchange of providing of prior art;
Fig. 2 is the method flow diagram that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account;
Fig. 3 is the method schematic diagram that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account;
Fig. 4 is the method schematic diagram that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account;
Fig. 5 is the system construction drawing that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiment.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
With reference to figure 2, Fig. 2 is the method flow diagram that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account.Described conglomerate comprises that paying subsystem, capital management subsystem, interest storage subsystem and bill opens subsystem, and described capital management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem.Described payment subsystem is the machinery and equipment of Que Piao enterprise, described capital management subsystem is the machinery and equipment of group capital management organization, described interest storage subsystem is the machinery and equipment of Duo Piao enterprise, and described bill is opened the machinery and equipment that subsystem is cooperative bank.
Wherein, to visit special bill pool management information system be Shenzhen Baite Technology Co., Ltd. provides bill pool system scheme and the software product of cross-bank for group enterprise.It can carry out interface inter-link with each state-owned and joint-equity bank's bill pool product, the demand such as the circulation of loan denomination degree and the gain on inventory taking analysis of bill sink money between bill hypothecation loan, the member unit of the transparence management of conglomerate to billing information, group internal can be met, different conglomerates can be adapted to for the different management and control pattern requirement of bill.
Group internal capital management mechanism refers to carry out the tissue that the centralized management of group internal fund (containing cash equivalents such as bills), the fund surplus and deficiency of each subordinate member unit adjusted are Major Function.Be presented as the capital company of independent legal person's type, or no separate legal entity's type, settlement center, fund center or other functional departments of functional organization of general headquarters of genus group, according to the difference of organizational form, the responsible scope of business, also difference to some extent of operation mode.
Bill is opened subsystem and is referred to and the commercial bank of group's cooperation development bill pool business.
Pay subsystem and refer to own bill deficiency, but wish that Dai Ru associate organization or group's bill amount carry out the group member unit of business such as making out an invoice, provide a loan, open L/C.
Interest storage subsystem refers to that own bill has residue, wishes to vitalize our unit's bill assets by lending bill, obtains the group member unit of borrowing ticket income, also claims for ticket enterprise.
As shown in Figure 2, said method comprising the steps of:
Step 201, described interest storage subsystem enters pond by bill hypothecation and opens subsystem to described bill;
Concrete, described capital management subsystem, by the system of administration of group, requires member unit's receipts ticket to pledge into pond and exchanges amount (follow-up if useful ticket demand is by changing out realization) for, to ensure into pond residue amount precipitation.
Step 202, described bill is opened subsystem increases the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging;
Concrete, member enterprise receives ticket and pledges into pond, bill open subsystem record member unit can be with pledging the total available amount of amount and group.
Step 203, described capital management subsystem receives the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Step 204, the bill corresponding to bill amount of making out an invoice of described payment subsystem opened subsystem and open to described payment subsystem according to the instruction of described loan ticket by described bill, record the facility extent of described capital management subsystem and reduce the full amount of described conglomerate, the bill amount that the full amount of the described conglomerate reducing is made out an invoice with described payment subsystem is identical, and the facility extent of described capital management subsystem is identical with the bill amount that described payment subsystem is made out an invoice;
Concrete, in group, total available amount has in remaining situation, pays subsystem and initiates business application, examine backward cooperation row through fund mechanism and initiate to borrow ticket instruction, bill is opened subsystem and is recorded fund mechanism facility extent, reduces the total available amount of group, accepts business.Group capital mechanism can require to pay subsystem and pay a certain proportion of inside ensuring gold deposit to control risk.
Step 205, pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate, the facility extent of described capital management subsystem reducing is the guaranty money's of the described payment subsystem bill amount of making out an invoice and described payment subsystem amount poor, and the full amount of the described conglomerate of increase is identical with the bill amount that described payment subsystem is made out an invoice;
Concrete, business expires, and bank pays the inside ensuring gold deposit of group capital mechanism according to authorizing automatically by paying subsystem, is allocated to member unit's secondary settlement accounts from group's one-level settlement accounts, completes and withholds.And reduce the facility extent of fund mechanism.
Step 206, described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice.
Concrete, pay subsystem and repay and borrow ticket interest to group capital mechanism.
Alternatively, described method also comprises:
In the situation that the application of described interest storage subsystem is made out an invoice, described interest storage subsystem contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
If the full amount of described conglomerate is greater than in the situation of the bill amount that described interest storage subsystem makes out an invoice, described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Alternatively, described method also comprises:
In the situation that the application of described interest storage subsystem is made out an invoice, described interest storage subsystem contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
If the full amount of described conglomerate is less than in the situation of the bill amount that described interest storage subsystem makes out an invoice, the bill hypothecation of storage is entered pond by described capital management subsystem to be opened subsystem or opens subsystem to described bill and prop up and pay earnest money to described bill;
Described bill is opened subsystem increases the full amount of described conglomerate, increase described capital management subsystem pledges guaranty money's amount of amount or described capital management subsystem, reduces the facility extent of described capital management subsystem;
Described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Concrete, fund mechanism use residue amount is taken an examination and is considered the amount application plan of constituent parts, if the follow-up demand that has amount transacting business for ticket enterprise, because group's full amount deficiency cannot be handled, fund mechanism has a responsibility for that own bill enters pond or guarantee deposit supplements amount to avoid the regular traffic that affects member enterprise to carry out by pledging.
As shown in Figure 3, Fig. 3 is the method schematic diagram that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account.As Fig. 3, capital management mechanism, by the system of administration of group, requires member unit's receipts ticket to pledge into pond and exchanges amount (follow-up if useful ticket demand is by changing out realization) for, to ensure into pond residue amount precipitation.
Member enterprise receive ticket pledge into pond, bill open subsystem record member unit can be with pledging the total available amount of amount and group.
In group, total available amount has in remaining situation, pays subsystem and initiates business application, examines backward cooperation row initiate to borrow ticket instruction through fund mechanism, and cooperation line item fund mechanism facility extent, reduces the total available amount of group, accepts business.
Fund mechanism use residue amount is taken an examination and is considered the amount application plan of constituent parts, if the follow-up demand that has amount transacting business for ticket enterprise, because group's full amount deficiency cannot be handled, fund mechanism has a responsibility for that own bill enters pond or guarantee deposit supplements amount to avoid the regular traffic that affects member enterprise to carry out by pledging.
Group capital mechanism can require to pay subsystem and pay a certain proportion of inside ensuring gold deposit to control risk.
Business expires, and bank pays the inside ensuring gold deposit of group capital mechanism according to authorizing automatically by paying subsystem, is allocated to member unit's secondary settlement accounts from group's one-level settlement accounts, completes and withholds.And reduce the facility extent of fund mechanism.
Paying subsystem repays and borrows ticket interest to group capital mechanism.
Alternatively, described method also comprises:
Described bill is opened subsystem and is sent standing guarantee amount to described capital management subsystem;
The instruction of billing request and the guaranty money of described payment subsystem payment that receives described payment subsystem at described capital management subsystem, guaranty money open subsystem to described bill and send and borrow ticket instruction described in described capital management subsystem stores, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem and is opened the bill corresponding to bill amount of making out an invoice of described payment subsystem according to the instruction of described loan ticket to described payment subsystem, and reduces the standing guarantee amount of described capital management subsystem;
Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by described guaranty money, and increases the standing guarantee amount of management organization of described conglomerate;
Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice.
Concrete, with reference to figure 4, Fig. 4 is the method schematic diagram that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account.As shown in Figure 4,
In the situation that bill pool is larger, center can give extra standing guarantee amount with bank's agreement, independently distributes to scarce ticket position use by center.
Pay subsystem application occupied fund mechanism amount and handle the business such as make out an invoice.
Group capital mechanism can require to pay subsystem and pay a certain proportion of inside ensuring gold deposit to control risk.
Group capital mechanism receives after guaranty money, opens subsystem send the instruction of loan ticket to bill, and bank is dispensed to group's credit to pay subsystem also for paying subsystem transacting business according to instruction.
Business expires, and bank pays the inside ensuring gold deposit of group capital mechanism according to authorizing automatically by paying subsystem, is allocated to member unit's secondary settlement accounts from group's one-level settlement accounts, completes and withholds.And the amount of distributing to payment subsystem is recycled to group.
Borrow under ticket pattern on one's own account, group capital mechanism can according to every day member enterprise the net contribution of bill amount figure interest, concrete mode is as follows:
1. formulate respectively and deposit ticket interest rate, deposit guaranty money's interest rate and borrow ticket interest rate (higher than depositing guaranty money's interest rate)
2. calculate each member unit bill amount net contribution=deposit denomination degree+deposit guaranty money's amount-use amount every day
3. deposit denomination degree by first write-downs, then eat up part of guaranty money's amount and calculate net contribution, if net contribution >0 deposits ticket interest rate+clean guaranty money by clean bill contribution * and contributes * to deposit guaranty money's interest rate and figure interest
If 4. net contribution <0, borrows ticket interest rate by net contribution * and collects interest.
If 5. real-time net contribution <0, pays a certain proportion of guaranty money can require to make out an invoice time.
6. fund mechanism, by market operation, pays for oneself to deposit and borrows the poor profit and loss of breath.
Suppose member enterprise of group loan ticket demand size be 100,000,000 yuan/year, suppose to borrow the usance to be limited to 6 months, borrow ticket net interest income and calculate by 1%.By borrowing ticket, can meet under the prerequisite that pays subsystem ticket demand, for interest storage subsystem or capital management winding machine are borrowed 500,000 yuan of ticket interest incomes.
The subsystem of interest storage simultaneously can obtain the marginal deposit for security interest income of bill as security.If depositing the bill of " bill pool " in is 1,000,000,000 yuan, average due date is 4 months, every year with " bill pool " for pledging, the acceptance bill of outputing is also 1,000,000,000 yuan, the average date of expiry is 6 months, is converted into the annual rate by 1.31% after negotiable deposits and calculates.According to the mistiming of 2 months, the income that can obtain was:
" bill pool " interest income: 1,000,000,000 × 1.3% ÷ 12 ÷ 30 × 60(days)=2,160,000
The expense of making out an invoice is: ten thousand yuan of 1,000,000,000 × 0.05%=50
Ten thousand yuan of actual gain: 216-50=166
If mechanism requires to lack ticket position and pays 50% guaranty money, ten thousand yuan of simultaneously annual lockable guaranty money 100,000,000 × 50% ÷ 12 × 6=2500
Optionally, described method also comprises:
Described bill is opened subsystem and is utilized described guaranty money to carry out finance services, and and the described capital management subsystem profit of distributing described finance services.
Concrete, when bill pool reaches after certain scale, capital management subsystem can be opened subsystem with bill and consult, and utilizes the marginal deposit for security of bill as security precipitation to carry out the interior business of sharing in the benefit of managing money matters of cooperation row.In the situation that ensureing that due debt can be cashed as scheduled, visit special bill pool system and can help capital management subsystem to predict available guaranty money, carry out finance services.
The guaranty money who estimates each measuring and calculating cycle according to the bill as security date of expiry flows into.
The guaranty money who estimates each measuring and calculating cycle according to the bill rendered date of expiry is flowed out.
Flow into-estimate to flow out according to initial margin anticipate balance+expectation and calculate current period guaranty money anticipate balance.
Calculate guaranty money's remaining sum every day in cycle, in the cycle guaranty money's remaining sum minimum within one day, instruct remaining sum as the available guaranty money in this cycle, can instruct capital management subsystem to buy the finance product of cooperation row according to this remaining sum.
Suppose that bill pool pledges guaranty money's scale and remain on 300,000,000 yuan, change per year earning rate 4%, income and bill are opened the subsystem calculating of splitting net revenue 50-50, and fund mechanism can year make a profit 6,000,000 yuan.
A kind of method that the embodiment of the present invention provides conglomerate to borrow ticket on one's own account, described interest storage subsystem enters pond by bill hypothecation and opens subsystem to described bill; Described bill is opened subsystem increases the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging; Described capital management subsystem receives the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction; The bill corresponding to bill amount of making out an invoice of described payment subsystem opened subsystem and open to described payment subsystem according to the instruction of described loan ticket by described bill, records the facility extent of described capital management subsystem and reduce the full amount of described conglomerate; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate; Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice, thereby help group internal capital management mechanism to utilize bill hypothecation to carry out inner credit operation, vitalize the fund of collecting, save group's entirety financial expense.
With reference to figure 5, Fig. 5 is the system construction drawing that a kind of conglomerate that the embodiment of the present invention provides borrows ticket on one's own account.As described in Figure 5, described system comprises that paying subsystem 501, capital management subsystem 502, interest storage subsystem 503 and bill opens subsystem 504, and described capital management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described interest storage subsystem 503, opens subsystem for bill hypothecation being entered to pond to described bill;
Described bill is opened subsystem 504, for increase the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging;
Described capital management subsystem 502, for receiving the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem 504, also for open the bill corresponding to bill amount of making out an invoice of described payment subsystem to described payment subsystem according to the instruction of described loan ticket, record the facility extent of described capital management subsystem and reduce the full amount of described conglomerate, the bill amount that the full amount of the described conglomerate reducing is made out an invoice with described payment subsystem is identical, and the facility extent of described capital management subsystem is identical with the bill amount that described payment subsystem is made out an invoice; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, pay described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate, the facility extent of described capital management subsystem reducing is the guaranty money's of the described payment subsystem bill amount of making out an invoice and described payment subsystem amount poor, and the full amount of the described conglomerate of increase is identical with the bill amount that described payment subsystem is made out an invoice;
Described capital management subsystem 502, the interest corresponding to bill amount of also making out an invoice for receiving the described payment subsystem of described payment subsystem payment.
Alternatively, described interest storage subsystem 503, in the situation that the application of described interest storage subsystem is made out an invoice, contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
Described bill is opened subsystem 504, if be also greater than in the situation of the bill amount that described interest storage subsystem makes out an invoice for the full amount of described conglomerate, described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Alternatively, described interest storage subsystem 503, for contrasting bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate in the situation that the application of described interest storage subsystem is made out an invoice;
Described capital management subsystem 502, if be also less than in the situation of the bill amount that described interest storage subsystem makes out an invoice, the bill hypothecation of storage to be entered to pond and open subsystem or open subsystem to described bill and prop up and pay earnest money to described bill for the full amount of described conglomerate;
Described bill is opened subsystem 504, also for increasing the full amount of described conglomerate, increase described capital management subsystem and pledge guaranty money's amount of amount or described capital management subsystem, reduce the facility extent of described capital management subsystem; Open to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
Concrete, with reference to the description of figure 3, do not repeat them here.
Alternatively, described bill is opened subsystem 504, also for send standing guarantee amount to described capital management subsystem;
Described capital management subsystem 502, also for receiving at described capital management subsystem the instruction of billing request and the guaranty money of described payment subsystem payment of described payment subsystem, store described guaranty money and open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem 504, also for open the bill corresponding to bill amount of making out an invoice of described payment subsystem to described payment subsystem according to the instruction of described loan ticket, and reduces the standing guarantee amount of described capital management subsystem; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, pay described payment subsystem by described guaranty money, and increase the standing guarantee amount of management organization of described conglomerate;
Described capital management subsystem 502, the interest corresponding to bill amount of also making out an invoice for receiving the described payment subsystem of described payment subsystem payment.
Concrete, with reference to the description of figure 4, do not repeat them here.
Alternatively, described bill is opened subsystem 504 also for utilizing described guaranty money to carry out finance services, and and the described capital management subsystem profit of distributing described finance services.
The system that the embodiment of the present invention provides a kind of conglomerate to borrow ticket on one's own account, described interest storage subsystem enters pond by bill hypothecation and opens subsystem to described bill; Described bill is opened subsystem increases the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging; Described capital management subsystem receives the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction; The bill corresponding to bill amount of making out an invoice of described payment subsystem opened subsystem and open to described payment subsystem according to the instruction of described loan ticket by described bill, records the facility extent of described capital management subsystem and reduce the full amount of described conglomerate; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate; Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice, thereby help group internal capital management mechanism to utilize bill hypothecation to carry out inner credit operation, vitalize the fund of collecting, save group's entirety financial expense.
The above; only for preferably embodiment of the present invention, but protection scope of the present invention is not limited to this, is anyly familiar with in technical scope that those skilled in the art disclose in the present invention; the variation that can expect easily or replacement, within all should being encompassed in protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claim.
Claims (10)
1. the method that ticket is borrowed on one's own account by conglomerate, it is characterized in that, described conglomerate comprises that paying subsystem, capital management subsystem, interest storage subsystem and bill opens subsystem, and described capital management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described interest storage subsystem enters pond by bill hypothecation and opens subsystem to described bill;
Described bill is opened subsystem increases the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging;
Described capital management subsystem receives the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
The bill corresponding to bill amount of making out an invoice of described payment subsystem opened subsystem and open to described payment subsystem according to the instruction of described loan ticket by described bill, record the facility extent of described capital management subsystem and reduce the full amount of described conglomerate, the bill amount that the full amount of the described conglomerate reducing is made out an invoice with described payment subsystem is identical, and the facility extent of described capital management subsystem is identical with the bill amount that described payment subsystem is made out an invoice;
Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate, the facility extent of described capital management subsystem reducing is the guaranty money's of the described payment subsystem bill amount of making out an invoice and described payment subsystem amount poor, and the full amount of the described conglomerate of increase is identical with the bill amount that described payment subsystem is made out an invoice;
Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice.
2. method according to claim 1, is characterized in that, described method also comprises:
In the situation that the application of described interest storage subsystem is made out an invoice, described interest storage subsystem contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
If the full amount of described conglomerate is greater than in the situation of the bill amount that described interest storage subsystem makes out an invoice, described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
3. method according to claim 1, is characterized in that, described method also comprises:
In the situation that the application of described interest storage subsystem is made out an invoice, described interest storage subsystem contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
If the full amount of described conglomerate is less than in the situation of the bill amount that described interest storage subsystem makes out an invoice, the bill hypothecation of storage is entered pond by described capital management subsystem to be opened subsystem or opens subsystem to described bill and prop up and pay earnest money to described bill;
Described bill is opened subsystem increases the full amount of described conglomerate, increase described capital management subsystem pledges guaranty money's amount of amount or described capital management subsystem, reduces the facility extent of described capital management subsystem;
Described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
4. according to the method described in claims 1 to 3 any one, it is characterized in that, described method also comprises:
Described bill is opened subsystem and is sent standing guarantee amount to described capital management subsystem;
The instruction of billing request and the guaranty money of described payment subsystem payment that receives described payment subsystem at described capital management subsystem, guaranty money open subsystem to described bill and send and borrow ticket instruction described in described capital management subsystem stores, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem and is opened the bill corresponding to bill amount of making out an invoice of described payment subsystem according to the instruction of described loan ticket to described payment subsystem, and reduces the standing guarantee amount of described capital management subsystem;
Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, described bill is opened subsystem and is paid described payment subsystem by described guaranty money, and increases the standing guarantee amount of management organization of described conglomerate;
Described capital management subsystem receives interest corresponding to bill amount that described payment subsystem that described payment subsystem pays is made out an invoice.
5. method according to claim 4, is characterized in that, described method also comprises:
Described bill is opened subsystem and is utilized described guaranty money to carry out finance services, and and the described capital management subsystem profit of distributing described finance services.
6. the system that ticket is borrowed on one's own account by conglomerate, it is characterized in that, described system comprises that paying subsystem, capital management subsystem, interest storage subsystem and bill opens subsystem, and described capital management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described interest storage subsystem, opens subsystem for bill hypothecation being entered to pond to described bill;
Described bill is opened subsystem, for increase the full amount of pledging amount and described conglomerate of described interest storage subsystem according to the described bill of pledging;
Described capital management subsystem, for receiving the instruction of billing request of described payment subsystem the guaranty money who preserves described payment subsystem; And open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem, also for open the bill corresponding to bill amount of making out an invoice of described payment subsystem to described payment subsystem according to the instruction of described loan ticket, record the facility extent of described capital management subsystem and reduce the full amount of described conglomerate, the bill amount that the full amount of the described conglomerate reducing is made out an invoice with described payment subsystem is identical, and the facility extent of described capital management subsystem is identical with the bill amount that described payment subsystem is made out an invoice; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, pay described payment subsystem by the guaranty money of described payment subsystem, reduce the facility extent of described capital management subsystem, increase the full amount of described conglomerate, the facility extent of described capital management subsystem reducing is the guaranty money's of the described payment subsystem bill amount of making out an invoice and described payment subsystem amount poor, and the full amount of the described conglomerate of increase is identical with the bill amount that described payment subsystem is made out an invoice;
Described capital management subsystem, the interest corresponding to bill amount of also making out an invoice for receiving the described payment subsystem of described payment subsystem payment.
7. system according to claim 6, is characterized in that,
Described interest storage subsystem, in the situation that the application of described interest storage subsystem is made out an invoice, contrasts bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate;
Described bill is opened subsystem, if be also greater than in the situation of the bill amount that described interest storage subsystem makes out an invoice for the full amount of described conglomerate, described bill is opened subsystem and is opened to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
8. system according to claim 6, is characterized in that,
Described interest storage subsystem, for contrasting bill amount that described interest storage subsystem makes out an invoice and the full amount of described conglomerate in the situation that the application of described interest storage subsystem is made out an invoice;
Described capital management subsystem, if be also less than in the situation of the bill amount that described interest storage subsystem makes out an invoice, the bill hypothecation of storage to be entered to pond and open subsystem or open subsystem to described bill and prop up and pay earnest money to described bill for the full amount of described conglomerate;
Described bill is opened subsystem, also for increasing the full amount of described conglomerate, increase described capital management subsystem and pledge guaranty money's amount of amount or described capital management subsystem, reduce the facility extent of described capital management subsystem; Open to described interest storage subsystem bill corresponding to bill amount that described interest storage subsystem is made out an invoice; Reduce the amount of pledging of described interest storage subsystem, and reduce the full amount of described conglomerate, the described interest storage subsystem reducing to pledge the bill amount that amount makes out an invoice with described interest storage subsystem identical, the full amount of the described conglomerate of minimizing is identical with the bill amount that described interest storage subsystem is made out an invoice.
9. according to the system described in claim 6 to 8 any one, it is characterized in that,
Described bill is opened subsystem, also for send standing guarantee amount to described capital management subsystem;
Described capital management subsystem, also for receiving at described capital management subsystem the instruction of billing request and the guaranty money of described payment subsystem payment of described payment subsystem, store described guaranty money and open subsystem transmission to described bill and borrow ticket instruction, the instruction of described loan ticket at least comprises the bill amount that described payment subsystem is made out an invoice;
Described bill is opened subsystem, also for open the bill corresponding to bill amount of making out an invoice of described payment subsystem to described payment subsystem according to the instruction of described loan ticket, and reduces the standing guarantee amount of described capital management subsystem; Pay after the bill amount that described payment subsystem makes out an invoice at described payment subsystem, pay described payment subsystem by described guaranty money, and increase the standing guarantee amount of management organization of described conglomerate;
Described capital management subsystem, the interest corresponding to bill amount of also making out an invoice for receiving the described payment subsystem of described payment subsystem payment.
10. system according to claim 9, is characterized in that, described bill is opened subsystem also for utilizing described guaranty money to carry out finance services, and and the described capital management subsystem profit of distributing described finance services.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410164152.5A CN103955792A (en) | 2014-04-22 | 2014-04-22 | Self-run bill loaning method and system for group enterprise |
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| CN201410164152.5A CN103955792A (en) | 2014-04-22 | 2014-04-22 | Self-run bill loaning method and system for group enterprise |
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