CN103955853A - Bill loaning method, device and system in group enterprise - Google Patents
Bill loaning method, device and system in group enterprise Download PDFInfo
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- CN103955853A CN103955853A CN201410162735.4A CN201410162735A CN103955853A CN 103955853 A CN103955853 A CN 103955853A CN 201410162735 A CN201410162735 A CN 201410162735A CN 103955853 A CN103955853 A CN 103955853A
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Abstract
The embodiment of the invention provides a bill loaning method and system in a group enterprise. A financial management subsystem receives a bill loaning application instruction sent by a payment subsystem and obtains information of an interest cashing subsystem according to the bill loaning application instruction; the financial management subsystem sends a bill loaning instruction to a bill issuing subsystem; the bill issuing subsystem issues a bill corresponding to the loaned amount of the payment subsystem to the payment subsystem according to the bill loaning instruction; the payment subsystem pays the loaned amount of the payment subsystem to the bill issuing subsystem, pays handling charges corresponding to the loaned amount of the payment subsystem to the financial management subsystem and pays bill loaning interest corresponding to the loaned amount of the payment subsystem to the interest cashing subsystem; as a result, a group can be helped to activate bill assets, bill deposition is reduced by means of bill loaning entrusting, bill asset turnover is accelerated, the payment subsystem expands the bill issuing channel, and the interest cashing subsystem obtains risk compensation.
Description
Technical field
The invention belongs to technical field of information processing, refer more particularly to inner method, the equipment and system of borrowing ticket of 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, Duo Piao enterprise 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 embodiment of the present invention provides a kind of conglomerate inner method and system of borrowing ticket, and how one or more enterprise that is intended to solve in conglomerate entrusts conglomerate's winding machine to borrow the problem of ticket.
A kind of inner method of borrowing ticket of conglomerate, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application, and the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket, and the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount;
Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount.
Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, comprising:
Described bill is opened subsystem, and according to described loan ticket, instruction increases lending of described interest storage subsystem and pledges the loan of amount and described payment subsystem and enter amount, and it is identical that the loan that lends the described payment subsystem of pledging amount and increase of the described interest storage subsystem of increase enters amount;
Described bill is opened subsystem and is entered making out an invoice after instruction of amount receiving the loan that pays subsystem described in the application of described payment subsystem, provide with the loan of described payment subsystem and enter bill corresponding to amount to described payment subsystem, and the loan that reduces described payment subsystem enters amount;
The colletion on bill of pledging at described interest storage subsystem is after account, described bill is opened subsystem and is reduced lending of subsystem of described interest storage and pledge amount, what increase described interest storage subsystem lends guaranty money's amount, the lending of the described interest storage subsystem reducing pledge amount and increase described interest storage subsystem to lend guaranty money's amount identical
Opening the refund loan of described payment subsystem of subsystem at described payment subsystem to described bill enters after amount, what described bill opened that subsystem reduces described interest storage subsystem lends guaranty money's amount, increase guaranty money's amount of described interest storage subsystem, guaranty money's amount of the described interest storage subsystem that lends guaranty money's amount and increase of the described interest storage subsystem of minimizing is identical.
A kind of inner method of borrowing ticket of conglomerate, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of the described searching supply of tickets, and the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount, enters bill corresponding to amount to make described bill open the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem;
The loan that described Financial Management subsystem receives the described payment subsystem of described payment subsystem payment enters service charge corresponding to amount.
A kind of inner method of borrowing ticket of conglomerate, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
In the situation that described Financial Management subsystem is opened the instruction of subsystem transmission loan ticket to described bill, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, and the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened the loan that subsystem receives the described payment subsystem that described payment subsystem pays and is entered amount.
A kind of inner method of borrowing ticket of conglomerate, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described payment subsystem sends the instruction of borrowing ticket application to described Financial Management subsystem, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Opening the subsystem loan that instruction opens described payment subsystem to described payment subsystem according to loan ticket at described bill enters bill corresponding to amount, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount.
The inner system of borrowing ticket of a kind of conglomerate, described system comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described Financial Management subsystem, be used for the instruction of the loan ticket application that receives described payment subsystem transmission, and obtain the information of described interest storage subsystem according to the instruction of described loan ticket application, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount; Open subsystem to described bill and send the instruction of loan ticket, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened subsystem, enters bill corresponding to amount for the loan that opens described payment subsystem to described payment subsystem according to the instruction of described loan ticket;
Described payment subsystem, enter amount for opening to described bill the loan that subsystem pays described payment subsystem respectively, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount.
Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, comprising:
Described bill is opened subsystem, and according to described loan ticket, instruction increases lending of described interest storage subsystem and pledges the loan of amount and described payment subsystem and enter amount, and it is identical that the loan that lends the described payment subsystem of pledging amount and increase of the described interest storage subsystem of increase enters amount;
Described bill is opened subsystem and is entered making out an invoice after instruction of amount receiving the loan that pays subsystem described in the application of described payment subsystem, provide with the loan of described payment subsystem and enter bill corresponding to amount to described payment subsystem, and the loan that reduces described payment subsystem enters amount;
The colletion on bill of pledging at described interest storage subsystem is after account, described bill is opened subsystem and is reduced lending of subsystem of described interest storage and pledge amount, what increase described interest storage subsystem lends guaranty money's amount, the lending of the described interest storage subsystem reducing pledge amount and increase described interest storage subsystem to lend guaranty money's amount identical
Opening the refund loan of described payment subsystem of subsystem at described payment subsystem to described bill enters after amount, what described bill opened that subsystem reduces described interest storage subsystem lends guaranty money's amount, increase guaranty money's amount of described interest storage subsystem, guaranty money's amount of the described interest storage subsystem that lends guaranty money's amount and increase of the described interest storage subsystem of minimizing is identical.
A kind of Financial Management subsystem, described Financial Management subsystem comprises:
The first receiving element, for receiving the instruction of the loan ticket application that pays subsystem transmission, and obtains the information of interest storage subsystem according to the instruction of the described searching supply of tickets, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Transmitting element, send the instruction of loan ticket for open subsystem to described bill, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount, enters bill corresponding to amount to make described bill open the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem;
The second receiving element, enters service charge corresponding to amount for the loan that receives the described payment subsystem that described payment subsystem pays.
A kind of bill is opened subsystem, and described bill is opened subsystem and comprised:
Transmitting element, for in the situation that Financial Management subsystem is opened the instruction of subsystem transmission loan ticket to described bill, described bill is opened subsystem and is entered bill corresponding to amount according to the instruction of described loan ticket to paying the loan that subsystem opens described payment subsystem, and the instruction of described loan ticket comprises that the interest storage information of subsystem and the loan of described payment subsystem enter amount
Receiving element, enters amount for the loan that receives the described payment subsystem that described payment subsystem pays.
A kind of subsystem that pays, described payment subsystem comprises:
Transmitting element, for send the instruction of borrowing ticket application to Financial Management subsystem, the instruction of described loan ticket application comprises that the loan that pays subsystem enters amount;
Payment unit, enter bill corresponding to amount for open the subsystem loan that instruction opens described payment subsystem to described payment subsystem according to loan ticket at bill, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and enter loan ticket interest corresponding to amount to the loan that interest storage subsystem pays described payment subsystem, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount.
The embodiment of the present invention provides a kind of conglomerate inner method of borrowing ticket, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
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 inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides;
Fig. 3 is the inner method schematic diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides;
Fig. 4 is the inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides;
Fig. 5 is the inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides;
Fig. 6 is the inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides;
Fig. 7 is the inner system construction drawing of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides;
Fig. 8 is the structural drawing of a kind of Financial Management subsystem of providing of the embodiment of the present invention;
Fig. 9 is the structural drawing that a kind of bill that the embodiment of the present invention provides is opened subsystem;
Figure 10 is a kind of structural drawing that pays subsystem that the embodiment of the present invention provides.
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 inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides.Described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, described payment subsystem is the machinery and equipment of Que Piao enterprise, described Financial 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.
Described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem.
As shown in Figure 2, said method comprising the steps of:
Step 201, described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtain the information of described interest storage subsystem according to the instruction of described loan ticket application, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
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.
Described payment subsystem is the make out an invoice enterprise of amount of hypodactylia, and described interest storage subsystem refers to the enterprise of the unnecessary amount of making out an invoice, and described payment subsystem and described interest storage subsystem are the different enterprises at same group internal.Lack make out an invoice amount in the situation that at described payment subsystem, described payment subsystem sends the instruction of borrowing ticket application to described group management mechanism, described interest storage subsystem is found according to the instruction of described loan ticket application by described group management mechanism, in the situation that searching out described interest storage subsystem, obtain the information of described interest storage subsystem, described information includes but not limited to the information such as the title of described interest storage subsystem.
Step 202, described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket, and the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Concrete, described Financial Management subsystem, in the case of obtaining the information of described interest storage subsystem, is opened subsystem to described bill and is sent the instruction of loan ticket.
Step 203, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount;
Alternatively, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, comprising:
Described bill is opened subsystem, and according to described loan ticket, instruction increases lending of described interest storage subsystem and pledges the loan of amount and described payment subsystem and enter amount, and it is identical that the loan that lends the described payment subsystem of pledging amount and increase of the described interest storage subsystem of increase enters amount;
Described bill is opened subsystem and is entered making out an invoice after instruction of amount receiving the loan that pays subsystem described in the application of described payment subsystem, provide with the loan of described payment subsystem and enter bill corresponding to amount to described payment subsystem, and the loan that reduces described payment subsystem enters amount;
The colletion on bill of pledging at described interest storage subsystem is after account, described bill is opened subsystem and is reduced lending of subsystem of described interest storage and pledge amount, what increase described interest storage subsystem lends guaranty money's amount, the lending of the described interest storage subsystem reducing pledge amount and increase described interest storage subsystem to lend guaranty money's amount identical
Opening the refund loan of described payment subsystem of subsystem at described payment subsystem to described bill enters after amount, what described bill opened that subsystem reduces described interest storage subsystem lends guaranty money's amount, increase guaranty money's amount of described interest storage subsystem, guaranty money's amount of the described interest storage subsystem that lends guaranty money's amount and increase of the described interest storage subsystem of minimizing is identical.
Wherein, lending of described interest storage subsystem pledged amount and referred to: have member unit's bill as security of unnecessary bill, provide giving credit guarantee, by means of the amount of Yu Que ticket member unit for lacking the member unit of bill.
The guaranty money's amount that lends of described interest storage subsystem refers to; There is member unit's bill as security collection of unnecessary bill to the guaranty money of account, provide giving credit guarantee for lacking the member unit of bill, borrow the amount of Yu Que ticket member unit.
Concrete, with reference to figure 3, Fig. 3 is the inner method schematic diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides.As shown in Figure 3, described payment subsystem sends the application of loan ticket, issues by Financial Management subsystem the ticket demand of borrowing, and interest storage subsystem is for after ticket, and middle mind-set bill is opened subsystem and sent the instruction of loan ticket.
Bill is opened the corresponding bill hypothecation of handling of subsystem and is entered pond, increases available (the borrow into) amount that pays subsystem, and record is pledged amount for lend (unavailable) of ticket enterprise simultaneously.
Pay amount that subsystem utilization obtains and carry out the business such as make out an invoice, provide a loan, open L/C, bill open subsystem corresponding reduce pay subsystem can be by (borrow into) amount.
Bill as security collection is after account, and cooperation row reduces for lend (unavailable) of ticket enterprise pledges amount, increases to lend (unavailable) guaranty money amount for ticket enterprise.
The business that payment subsystem is carried out expires, and self-raised fund is refunded, and after refund, the corresponding release of cooperation row, for unavailable guaranty money's amount of ticket enterprise, transfers available amount to, can take out guaranty money for ticket enterprise, realizes the recovery of loan ticket capital.
Step 204, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount.
Concrete, described payment subsystem is corresponding to be paid and borrows ticket service charge to fund mechanism, to borrowing ticket interest for ticket corporate payments.Entrust and borrow under ticket pattern, borrow that ticket interest can be divided interest rate (pledge as paying subsystem and tender guarantee to bank to have bill by oneself for ticket enterprise during this period of time) before bill to fall due according to the date of expiry that lends bill, interest rate (pledge taking guaranty money to bank as paying subsystem and tender guarantee for ticket enterprise during this period of time) after bill to fall due, embodied the different differentiation interest rate requirements to assets.
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 (my god)=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
The embodiment of the present invention provides a kind of conglomerate inner method of borrowing ticket, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to figure 4, Fig. 4 is the inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides.Described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem.
As shown in Figure 4, said method comprising the steps of:
Step 401, described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtain the information of described interest storage subsystem according to the instruction of the described searching supply of tickets, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Concrete, described payment subsystem is the make out an invoice enterprise of amount of hypodactylia, and described interest storage subsystem refers to the enterprise of the unnecessary amount of making out an invoice, and described payment subsystem and described interest storage subsystem are the different enterprises at same group internal.Lack make out an invoice amount in the situation that at described payment subsystem, described payment subsystem sends the instruction of borrowing ticket application to described group management mechanism, described interest storage subsystem is found according to the instruction of described loan ticket application by described group management mechanism, in the situation that searching out described interest storage subsystem, obtain the information of described interest storage subsystem, described information includes but not limited to the information such as the title of described interest storage subsystem.
Step 402, described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount, enters bill corresponding to amount to make described bill open the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem;
Step 403, the loan that described Financial Management subsystem receives the described payment subsystem of described payment subsystem payment enters service charge corresponding to amount.
Concrete, describe with reference to figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of conglomerate inner method of borrowing ticket, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to figure 5, Fig. 5 is the inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides.Described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem.
As described in Figure 5, said method comprising the steps of:
Step 501, in the situation that described Financial Management subsystem is opened the instruction of subsystem transmission loan ticket to described bill, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, and the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Concrete, described payment subsystem is the make out an invoice enterprise of amount of hypodactylia, and described interest storage subsystem refers to the enterprise of the unnecessary amount of making out an invoice, and described payment subsystem and described interest storage subsystem are the different enterprises at same group internal.Lack make out an invoice amount in the situation that at described payment subsystem, described payment subsystem sends the instruction of borrowing ticket application to described group management mechanism, described interest storage subsystem is found according to the instruction of described loan ticket application by described group management mechanism, in the situation that searching out described interest storage subsystem, obtain the information of described interest storage subsystem, described information includes but not limited to the information such as the title of described interest storage subsystem.
Step 502, described bill is opened the loan that subsystem receives the described payment subsystem that described payment subsystem pays and is entered amount.
Concrete, with reference to the description of figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of conglomerate inner method of borrowing ticket, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to figure 6, Fig. 6 is the inner method flow diagram of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides.Described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem.
Step 601, described payment subsystem sends the instruction of borrowing ticket application to described Financial Management subsystem, and the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Step 602, opening the subsystem loan that instruction opens described payment subsystem to described payment subsystem according to loan ticket at described bill enters bill corresponding to amount, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount.
Concrete, with reference to the description of figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of conglomerate inner method of borrowing ticket, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to figure 7, Fig. 7 is the inner system construction drawing of borrowing ticket of a kind of conglomerate that the embodiment of the present invention provides.
Described system comprises that paying subsystem 703, Financial Management subsystem 701, interest storage subsystem 704 and bill opens subsystem 702, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem.
Described Financial Management subsystem 701, be used for the instruction of the loan ticket application that receives described payment subsystem transmission, and obtain the information of described interest storage subsystem according to the instruction of described loan ticket application, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount; Open subsystem to described bill and send the instruction of loan ticket, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened subsystem 702, enters bill corresponding to amount for the loan that opens described payment subsystem to described payment subsystem according to the instruction of described loan ticket;
Described payment subsystem 703, enter amount for opening to described bill the loan that subsystem pays described payment subsystem respectively, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount.
Alternatively, described bill is opened the loan that subsystem 702 opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, comprising:
Described bill is opened subsystem, and according to described loan ticket, instruction increases lending of described interest storage subsystem and pledges the loan of amount and described payment subsystem and enter amount, and it is identical that the loan that lends the described payment subsystem of pledging amount and increase of the described interest storage subsystem of increase enters amount;
Described bill is opened subsystem and is entered making out an invoice after instruction of amount receiving the loan that pays subsystem described in the application of described payment subsystem, provide with the loan of described payment subsystem and enter bill corresponding to amount to described payment subsystem, and the loan that reduces described payment subsystem enters amount;
The colletion on bill of pledging at described interest storage subsystem is after account, described bill is opened subsystem and is reduced lending of subsystem of described interest storage and pledge amount, what increase described interest storage subsystem lends guaranty money's amount, the lending of the described interest storage subsystem reducing pledge amount and increase described interest storage subsystem to lend guaranty money's amount identical
Opening the refund loan of described payment subsystem of subsystem at described payment subsystem to described bill enters after amount, what described bill opened that subsystem reduces described interest storage subsystem lends guaranty money's amount, increase guaranty money's amount of described interest storage subsystem, guaranty money's amount of the described interest storage subsystem that lends guaranty money's amount and increase of the described interest storage subsystem of minimizing is identical.
Concrete, with reference to the description of figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of conglomerate inner system of borrowing ticket, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to figure 8, Fig. 8 is the structural drawing of a kind of Financial Management subsystem of providing of the embodiment of the present invention.As shown in Figure 8,
Described Financial Management subsystem comprises:
The first receiving element 801, for receiving the instruction of the loan ticket application that pays subsystem transmission, and obtains the information of interest storage subsystem according to the instruction of the described searching supply of tickets, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Transmitting element 802, send the instruction of loan ticket for open subsystem to described bill, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount, enters bill corresponding to amount to make described bill open the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem;
The second receiving element 803, enters service charge corresponding to amount for the loan that receives the described payment subsystem that described payment subsystem pays.
Concrete, with reference to the description of figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of Financial Management subsystem, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to figure 9, Fig. 9 is the structural drawing that a kind of bill that the embodiment of the present invention provides is opened subsystem.As shown in Figure 9,
Transmitting element 901, for in the situation that Financial Management subsystem is opened the instruction of subsystem transmission loan ticket to described bill, described bill is opened subsystem and is entered bill corresponding to amount according to the instruction of described loan ticket to paying the loan that subsystem opens described payment subsystem, and the instruction of described loan ticket comprises that the interest storage information of subsystem and the loan of described payment subsystem enter amount
Receiving element 902, enters amount for the loan that receives the described payment subsystem that described payment subsystem pays.
Concrete, with reference to the description of figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of bill to open subsystem, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
With reference to Figure 10, Figure 10 is a kind of structural drawing that pays subsystem that the embodiment of the present invention provides.As shown in figure 10,
Transmitting element 1001, for send the instruction of borrowing ticket application to Financial Management subsystem, the instruction of described loan ticket application comprises that the loan that pays subsystem enters amount;
Payment unit 1002, enter bill corresponding to amount for open the subsystem loan that instruction opens described payment subsystem to described payment subsystem according to loan ticket at bill, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and enter loan ticket interest corresponding to amount to the loan that interest storage subsystem pays described payment subsystem, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount.
Concrete, with reference to the description of figure 3, do not repeat them here.
The embodiment of the present invention provides a kind of subsystem that pays, and described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application; Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket; Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount; Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, thereby can help group to vitalize bill assets, borrow ticket by trust and reduce bill precipitation, accelerate the turnover of bill assets, pay subsystem and widened the channel of making out an invoice, interest storage subsystem has obtained compensate for a risk.
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 inner method of borrowing ticket of conglomerate, it is characterized in that, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of described loan ticket application, and the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket, and the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount;
Described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount.
2. method according to claim 1, is characterized in that, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and entered bill corresponding to amount, comprising:
Described bill is opened subsystem, and according to described loan ticket, instruction increases lending of described interest storage subsystem and pledges the loan of amount and described payment subsystem and enter amount, and it is identical that the loan that lends the described payment subsystem of pledging amount and increase of the described interest storage subsystem of increase enters amount;
Described bill is opened subsystem and is entered making out an invoice after instruction of amount receiving the loan that pays subsystem described in the application of described payment subsystem, provide with the loan of described payment subsystem and enter bill corresponding to amount to described payment subsystem, and the loan that reduces described payment subsystem enters amount;
The colletion on bill of pledging at described interest storage subsystem is after account, described bill is opened subsystem and is reduced lending of subsystem of described interest storage and pledge amount, what increase described interest storage subsystem lends guaranty money's amount, the lending of the described interest storage subsystem reducing pledge amount and increase described interest storage subsystem to lend guaranty money's amount identical
Opening the refund loan of described payment subsystem of subsystem at described payment subsystem to described bill enters after amount, what described bill opened that subsystem reduces described interest storage subsystem lends guaranty money's amount, increase guaranty money's amount of described interest storage subsystem, guaranty money's amount of the described interest storage subsystem that lends guaranty money's amount and increase of the described interest storage subsystem of minimizing is identical.
3. the inner method of borrowing ticket of conglomerate, it is characterized in that, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described Financial Management subsystem receives the instruction of the loan ticket application of described payment subsystem transmission, and obtains the information of described interest storage subsystem according to the instruction of the described searching supply of tickets, and the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Described Financial Management subsystem is opened subsystem to described bill and is sent the instruction of loan ticket, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount, enters bill corresponding to amount to make described bill open the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem;
The loan that described Financial Management subsystem receives the described payment subsystem of described payment subsystem payment enters service charge corresponding to amount.
4. the inner method of borrowing ticket of conglomerate, it is characterized in that, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
In the situation that described Financial Management subsystem is opened the instruction of subsystem transmission loan ticket to described bill, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and is entered bill corresponding to amount, and the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened the loan that subsystem receives the described payment subsystem that described payment subsystem pays and is entered amount.
5. the inner method of borrowing ticket of conglomerate, it is characterized in that, described conglomerate comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described payment subsystem sends the instruction of borrowing ticket application to described Financial Management subsystem, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Opening the subsystem loan that instruction opens described payment subsystem to described payment subsystem according to loan ticket at described bill enters bill corresponding to amount, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount.
6. the inner system of borrowing ticket of conglomerate, it is characterized in that, described system comprises that paying subsystem, Financial Management subsystem, interest storage subsystem and bill opens subsystem, and described Financial Management subsystem connects respectively described payment subsystem, described interest storage subsystem and described bill and opens subsystem;
Described Financial Management subsystem, be used for the instruction of the loan ticket application that receives described payment subsystem transmission, and obtain the information of described interest storage subsystem according to the instruction of described loan ticket application, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount; Open subsystem to described bill and send the instruction of loan ticket, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount;
Described bill is opened subsystem, enters bill corresponding to amount for the loan that opens described payment subsystem to described payment subsystem according to the instruction of described loan ticket;
Described payment subsystem, enter amount for opening to described bill the loan that subsystem pays described payment subsystem respectively, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and the loan that pays described payment subsystem to described interest storage subsystem enters loan ticket interest corresponding to amount.
7. system according to claim 6, is characterized in that, described bill is opened the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem and entered bill corresponding to amount, comprising:
Described bill is opened subsystem, and according to described loan ticket, instruction increases lending of described interest storage subsystem and pledges the loan of amount and described payment subsystem and enter amount, and it is identical that the loan that lends the described payment subsystem of pledging amount and increase of the described interest storage subsystem of increase enters amount;
Described bill is opened subsystem and is entered making out an invoice after instruction of amount receiving the loan that pays subsystem described in the application of described payment subsystem, provide with the loan of described payment subsystem and enter bill corresponding to amount to described payment subsystem, and the loan that reduces described payment subsystem enters amount;
The colletion on bill of pledging at described interest storage subsystem is after account, described bill is opened subsystem and is reduced lending of subsystem of described interest storage and pledge amount, what increase described interest storage subsystem lends guaranty money's amount, the lending of the described interest storage subsystem reducing pledge amount and increase described interest storage subsystem to lend guaranty money's amount identical
Opening the refund loan of described payment subsystem of subsystem at described payment subsystem to described bill enters after amount, what described bill opened that subsystem reduces described interest storage subsystem lends guaranty money's amount, increase guaranty money's amount of described interest storage subsystem, guaranty money's amount of the described interest storage subsystem that lends guaranty money's amount and increase of the described interest storage subsystem of minimizing is identical.
8. a Financial Management subsystem, is characterized in that, described Financial Management subsystem comprises:
The first receiving element, for receiving the instruction of the loan ticket application that pays subsystem transmission, and obtains the information of interest storage subsystem according to the instruction of the described searching supply of tickets, the instruction of described loan ticket application comprises that the loan of described payment subsystem enters amount;
Transmitting element, send the instruction of loan ticket for open subsystem to described bill, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount, enters bill corresponding to amount to make described bill open the loan that subsystem opens described payment subsystem according to the instruction of described loan ticket to described payment subsystem;
The second receiving element, enters service charge corresponding to amount for the loan that receives the described payment subsystem that described payment subsystem pays.
9. bill is opened a subsystem, it is characterized in that, described bill is opened subsystem and comprised:
Transmitting element, for in the situation that Financial Management subsystem is opened the instruction of subsystem transmission loan ticket to described bill, described bill is opened subsystem and is entered bill corresponding to amount according to the instruction of described loan ticket to paying the loan that subsystem opens described payment subsystem, and the instruction of described loan ticket comprises that the interest storage information of subsystem and the loan of described payment subsystem enter amount
Receiving element, enters amount for the loan that receives the described payment subsystem that described payment subsystem pays.
10. pay a subsystem, it is characterized in that, described payment subsystem comprises:
Transmitting element, for send the instruction of borrowing ticket application to Financial Management subsystem, the instruction of described loan ticket application comprises that the loan that pays subsystem enters amount;
Payment unit, enter bill corresponding to amount for open the subsystem loan that instruction opens described payment subsystem to described payment subsystem according to loan ticket at bill, described payment subsystem is opened to described bill the loan that subsystem pays described payment subsystem respectively and is entered amount, the loan that pays described payment subsystem to described Financial Management subsystem enters service charge corresponding to amount, and enter loan ticket interest corresponding to amount to the loan that interest storage subsystem pays described payment subsystem, the instruction of described loan ticket comprises that the described interest storage information of subsystem and the loan of described payment subsystem enter amount.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410162735.4A CN103955853A (en) | 2014-04-22 | 2014-04-22 | Bill loaning method, device and system in group enterprise |
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| CN201410162735.4A CN103955853A (en) | 2014-04-22 | 2014-04-22 | Bill loaning method, device and system in group enterprise |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115578169A (en) * | 2022-10-19 | 2023-01-06 | 国家电投集团财务有限公司 | Bill management method, device, electronic equipment and computer readable storage medium |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1750036A (en) * | 2004-09-07 | 2006-03-22 | 韩国超级票据株式会社 | System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check |
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Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1750036A (en) * | 2004-09-07 | 2006-03-22 | 韩国超级票据株式会社 | System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115578169A (en) * | 2022-10-19 | 2023-01-06 | 国家电投集团财务有限公司 | Bill management method, device, electronic equipment and computer readable storage medium |
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