CN109509084A - A kind of method of bank settlement in cross-border trade - Google Patents
A kind of method of bank settlement in cross-border trade Download PDFInfo
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- CN109509084A CN109509084A CN201811372709.9A CN201811372709A CN109509084A CN 109509084 A CN109509084 A CN 109509084A CN 201811372709 A CN201811372709 A CN 201811372709A CN 109509084 A CN109509084 A CN 109509084A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The method of bank settlement, step are in a kind of cross-border trade, and International traders collect the buying deposit of consignee's payment by the shroff account number of digital commercial systems；International traders enter China and place an order buying；It confirms an order；Level-one supplier or factory gather together enough order；Ordering system begins to send out transfer instructions；After the completion of suppliers at different levels or factory get ready the goods, bin information is filled in, starts delivery to digital commercial systems storehouse；After digital trading platform confirmation needs the order cargo declared at customs all to enter digital commercial systems storehouse, notice International traders pay remaining fund；Digital trading platform starts to execute declaration operation, fills in export trade contract；Digital commercial systems will declare at customs information and be sent to customs broker's completion declaration；System synchronizes sorting result；After sorting, remaining sum changes into the RMB that can withdraw deposit.A set of payment and settlement infrastructure service facility is established in development for cross-border digital trade, for solving timeliness existing for the existing means of payment, flexibility, risk and cost problem.
Description
Technical field
The present invention relates to a kind of methods of bank settlement in cross-border trade.
Background technique
In the cross-border buying trade of current wholesale, payment knot generally is carried out using means of payment such as bank transfer, the letter of credits
It calculates, is all had certain problems in timeliness, flexibility, risk and cost.
Cross-border number trading platform, which is used as, to be needed towards global procurement quotient's transaction platform to external purchaser and the country
Supplier, which provides, closes rule and efficient and convenient payment and settlement solution: external purchaser can facilitate carry out on-line payment, goods
Coin exchange, domestic supplier can close in time rule receive with RMB settle accounts payment for goods, thus building purchaser and the supply of material
The digital trade settlement system trusted with safety is established between quotient.For this purchaser and the demand of supplier's reality, by existing
Some payment and settlement means cannot achieve.
Summary of the invention
In view of above situation, in order to solve the problems, such as that above-mentioned technology exists, the present invention proposes bank in a kind of cross-border trade
The method of clearing, a set of payment and settlement infrastructure service facility is established in the development for cross-border digital trade, for solving existing payment
Timeliness, flexibility existing for mode, risk and cost problem.
The method of bank settlement, step are in a kind of cross-border trade,
International traders receive the commission of consignee in foreign country, and collect consignee's payment by the shroff account number of digital commercial systems
Buying deposit；
International traders enter China and place an order buying；
Level-one supplier or factory confirm an order on digital trading platform；International traders payment or payment in part, corresponding fund
Freeze, pushes transaction；
Level-one supplier or factory gather together enough order；
Ordering system begins to send out transfer instructions, and the corresponding amount of money enters all responsibility side's accounts by International traders account, including each
Grade supplier or factory, digital commercial systems account of receipts etc.；But it is not final in the supplier of each supply of material of the order or factory
Delivery is completed, i.e., before digital commercial systems storehouse does not receive cargo, this part fund of the corresponding order should be freezed；
After the completion of suppliers at different levels or factory get ready the goods, bin information is filled in, starts delivery to digital commercial systems storehouse；
After digital trading platform confirmation needs the order cargo declared at customs all to enter digital commercial systems storehouse, notice International traders payment
Remaining fund；
Digital trading platform starts to execute declaration operation, fills in export trade contract, and counterparty side is that consignee and the world are bought
Family；After International traders have filled in export trade contract, digital commercial systems will declare at customs information and be sent to customs broker's completion declaration；
After declaring at customs information return platform, trust bank carries out the sorting of transaction funds, the synchronous sorting result of system；
After sorting, International traders, the respective remaining sum of supplier or factory changes into the RMB that can withdraw deposit.
Preferably, the International traders receive the commission of consignee in foreign country, and pass through the gathering account of digital commercial systems
The buying deposit for number collecting consignee's payment is that International traders receive the commission of consignee in foreign country, carries out to Chinese market
Buying；International traders log in number trading platform, complete registration process and KYC verifying, generate digital commercial systems gathering account
Number；International traders show digital commercial systems shroff account number to consignee, and consignee Pay International buyer purchases deposit；It buys the world
The digital commercial systems shroff account number of family receives the fund of consignee's payment.
Preferably, the International traders payment or payment in part, corresponding freezing of funds push transaction, are to set and go back on one's word
Phase can be recalled without duty in the phase.
Preferably, the level-one supplier or factory gather together enough order, are that level-one supplier or factory can contact junior's confession
Trader or factory are confirmed whether the remainder that can supply；Level-one supplier or factory are pushed to down the fractionation of remainder cargo
Grade supplier or factory, junior supplier or factory repeat above-mentioned process, until all suppliers gather together enough order.
Preferably, in a kind of cross-border trade bank settlement method, step is, International traders are received in foreign country's receiving
The commission of people, is purchased to Chinese market；International traders log in digital trading platform, complete registration process and KYC verifying,
Generate digital commercial systems shroff account number；International traders show digital commercial systems shroff account number, consignee's payment to consignee
International traders purchase deposit；The digital commercial systems shroff account number of International traders receives the fund of consignee's payment；
International traders enter Chinese professional sales field, link up with supplier, and the buying that places an order；
Level-one supplier confirms an order on digital trading platform；International traders payment (can payment in part), corresponding freezing of funds,
Transaction is pushed, exists go back on one's word the phase at this time, can be recalled without duty in the phase；
Level-one supplier or factory can contact junior supplier or factory is confirmed whether the remainder that can supply；Level-one supplier
Or the fractionation of remainder cargo is pushed to junior supplier or factory by factory, junior supplier or factory repeat above-mentioned process,
Until all suppliers gather together enough order；
Ordering system begins to send out transfer instructions, and the corresponding amount of money enters all responsibility side's accounts by International traders account, such as at different levels
Supplier or factory, digital commercial systems account of receipts etc.；But it is not final complete in the supplier of each supply of material of the order or factory
At delivery, i.e., before digital commercial systems storehouse does not receive cargo, this part fund of the corresponding order should be freezed；
After the completion of suppliers at different levels or factory get ready the goods, bin information is filled in, starts delivery to digital commercial systems storehouse；
After digital trading platform confirmation needs the order cargo declared at customs all to enter digital commercial systems storehouse, notice International traders payment
Remaining fund；
Digital trading platform starts to execute declaration operation, fills in export trade contract, and counterparty side is that consignee is (overseas public
Department) and International traders；After International traders have filled in export trade contract, digital commercial systems are sent to declaration for information is declared at customs
Row completes declaration；
After declaring at customs information return platform, trust bank carries out the sorting of transaction funds, the synchronous sorting result of system；
After sorting, International traders, the respective remaining sum of supplier or factory changes into the RMB that can withdraw deposit.
Preferably, fund is with information flow,
International traders are registered as digital commercial systems user, and complete the binding of corporate authentication and enterprise to public bank account
Afterwards, digital commercial systems generate the sub- account of bank gathering overseas to International traders；
Overseas consignee is remitted money buying money account of overseas collecting money to International traders by way of bank transfer；
International traders can be exchanged dollar for RMB by digital commercial systems, and digital commercial systems virtual account is remembered
Account processing；
International traders and supplier or factory pass through digital commercial systems and initiate purchase transaction, form order；
Supplier delivers to digital trade storehouse；
International traders complete customs entry online；
Digital commercial systems collect the materials such as order, delivery, declaration；
Digital commercial systems carry out factoring and issue money advanced for somebody to be paid back later, and fund is first issued to the world from the domestic bank's main account of digital commercial systems
The sub- account of buyer, the International traders and supplier being issued to respectively again from sub- account in order transaction chain or factory to public silver
Row account；
After domestic bank completes settlement of exchange, International traders virtual subnet account fund collects the main account of the domestic bank of digital commercial systems
Factoring refund operation is completed at family.
After taking technology proposed by the present invention, the method for bank settlement in cross-border trade according to an embodiment of the present invention,
It has the advantages that.
1) for the ordinary trade scene of cross-border digital trade, by building a kind of completely new cross-border digital trade process system
System exists to whole world dealing family client, trade company, bank, the related trade such as customs and supervising entity progress information flow and cash flow
Lineization is interactively integrated, proposes a kind of completely new end-to-end solution from purchaser to supplier especially for payment clearance process
Scheme, reach on the line of ordinary trade payment and settlement change, standardizing goals, solve timeliness existing for the existing means of payment,
Flexibility, risk and cost problem.
Detailed description of the invention
Fig. 1 is the flow chart traded in digital commercial systems；
Fig. 2 is fund and information flow direction schematic diagram in digital commercial systems；
Fig. 3 is the account data model of a role in digital trading platform；
Fig. 4 is digital trading platform and Accounting system interface diagram.
Specific embodiment
Each preferred embodiment of the invention is described below with reference to accompanying drawings.It provides referring to the drawings
Description, to help the understanding to example embodiment of the invention as defined by appended claims and their equivalents.It includes side
The various details of assistant's solution, but they can only be counted as illustratively.Therefore, it would be recognized by those skilled in the art that
Embodiment described herein can be made various changes and modifications, without departing from scope and spirit of the present invention.Moreover, in order to
Keep specification more clear succinct, by omission pair it is well known that the detailed description of function and construction.
In the present embodiment by taking a digital trading platform as an example, illustrate implementation method of the invention.Exist such as in the present embodiment
Lower role:
DT, Digital Trader, the digital commercial systems of the present embodiment；
GB, International traders, it is necessary to for the enterprise with China's inlet and outlet qualification；
Consignee, practical buyer true overseas, commission GB are purchased within Chinese territory；
SHOP, supplier or factory；
DTP, DT partner；
The storehouse DT, DT cooperate warehouse, manage the export custody of goods of putting in storage；
International logistics supplier provides international freight forwarding service；
Customs broker provides declaration outlet services；
International logistics customer service provides international logistics customer service Xian Xia service team.
The process that each role trades in digital commercial systems is as shown in Figure 1, the specific steps are as follows:
1, the commission that GB receives consignee in foreign country, is purchased to Chinese market,
GB logs in digital trading platform, completes registration process and KYC verifying, generates DT shroff account number；
GB shows DT shroff account number to consignee, and consignee pays GB and purchases deposit；
The DT shroff account number of GB receives the fund of consignee's payment；
2, GB enters certain professional sales field of China, links up with supplier, and the buying that places an order；
3, level-one supplier confirms an order on digital trading platform；GB payment (can payment in part), corresponding freezing of funds push
Transaction exists go back on one's word the phase at this time, can recall without duty in the phase；
4, level-one shop can contact junior shop and be confirmed whether the remainder that can supply；Level-one shop tears remainder cargo open
Divide and be pushed to junior shop, junior shop repeats above-mentioned process, until all suppliers gather together enough order；
5, ordering system begins to send out transfer instructions, and the corresponding amount of money enters all responsibility side's accounts, such as shop at different levels by GB account,
DT account of receipts etc.；But it is right before the shop of each supply of material of the order is not finally completed delivery (be subject to the storehouse DT receive cargo)
Should this part fund of order should freeze；
6, after the completion of shop stocks at different levels, bin information is filled in, starts delivery to the storehouse DT；
7, after digital trading platform confirmation needs the order cargo declared at customs all to enter the storehouse DT, notice GB pays remaining fund；
8, digital trading platform starts to execute declaration operation, fills in export trade contract, and counterparty side is that consignee is (overseas public
Department) and GB；After GB has filled in export trade contract, DT will declare at customs information and be sent to customs broker's completion declaration；
9, after declaration information returns to platform, trust bank carries out the sorting of transaction funds, the synchronous sorting result of system；
10, after sorting, the respective remaining sum of GB, shop changes into the RMB that can withdraw deposit.
In the process, fund is with information flow direction figure as shown in Fig. 2, specifically comprising the following steps:
1, GB is registered as DT user, and after completing corporate authentication and enterprise to the binding of public bank account, DT system is to GB
Generate the sub- account of bank gathering overseas；
2, overseas consignee is overseas collected money buying money (USD) remittance account by way of bank transfer to GB
3, GB can be exchanged dollar for RMB by DT system, and DT virtual account carries out book keeping operation processing；
4, GB and shop initiates purchase transaction by DT system, forms order；
5, supplier delivers to digital trade storehouse；
6, GB completes customs entry online；
7, digital commercial systems collect the materials such as order, delivery, declaration；
8, digital commercial systems carry out factoring and issue money advanced for somebody to be paid back later, and fund is first issued to GB account from the domestic bank's main account of DT system
Family, the GB being issued to respectively again from sub- account in order transaction chain and SHOP to public bank account；
9, after domestic bank completes settlement of exchange, GB virtual subnet account fund collects the domestic bank's main account of digital commercial systems, complete
It refunds and operates at factoring.
The account data model of role is as shown in Figure 3 in digital trading platform.Main account is corporation account, with legal person one
One is corresponding, the corresponding enterprise of a main account, the corresponding fund account of an enterprise.Multiple sons can be hung under main account below
Account.The hand that each account (including main account and sub- account) a corresponding unique CFID, CFID and personal real-name authentication pass through
Machine number association.The interface of digital trading platform and Accounting system please refers to shown in Fig. 4.
According to the method for bank settlement in the cross-border trade of the application, for above-mentioned cross-border digital trade payment and settlement mode
Present in timeliness, flexibility, risk and cost etc. the problem of, propose a kind of completely new cross-border digital trade branch
Settlement method and system are paid, puts forth effort to solve the problems, such as follows:
1. Fund Supervision and compliance: depositing pipe by third party bank overseas and cooperate with domestic bank through trade of goods side
Formula closes rule settlement of exchange immigration, and purchaser and supplier can implement the state of track transactions fund, flow direction, according to friendship by the system
Easy state carries out the circulation control of cash flow and logistics；
2. controlling transaction risk: the transaction of centralized control both parties and risk of fraud by the way of guarantee trade online；
3. improving trading efficiency: supplier can accelerate the returned money efficiency of supplier by modes such as factorings.
According to the method for bank settlement in the cross-border trade of the application, the payment and settlement system of digital trading platform can be confession
Trader and purchaser establish unique account in system and carry out information inquiry and tracking, with corresponding banking system and national foreign exchange
Pipe and supervision docking are deposited in the completion of management board's monitoring system, ensure that the compliance of gathering and fund exchange, in combination with digital trade
Easy full transaction flow is that both parties tender guarantee trade mode: supplier can monitor the first payment and the payment of remaining fund is complete
At, but only after the delivery of goods to storehouse and completing customs entry, fund can just go to its account that can withdraw deposit；Purchaser's energy simultaneously
Cargo production is completed and to paying remaining fund again behind storehouse monitoring supplier, and fund just actually transfers after declaring at customs successfully,
To effectively control buying and the supply of material possible trade hazard of both sides.
According to the method for bank settlement in the cross-border trade of the application, for the ordinary trade scene of cross-border digital trade,
It is related to whole world dealing family client, trade company, bank, customs etc. by building a kind of completely new cross-border digital trade process system
Trade and supervising entity carry out information flow and the change online of cash flow is interactively integrated, propose one especially for payment clearance process
The completely new end-to-end solution from purchaser to supplier of kind is reached and changes on the line of ordinary trade payment and settlement, standardizes
Target solves timeliness existing for the existing means of payment, flexibility, risk and cost problem.
The present invention is described in detail above, specific case used herein to the principle of the present invention and embodiment into
Elaboration is gone, the above description of the embodiment is only used to help understand the method for the present invention and its core ideas；Meanwhile for this
The those skilled in the art in field, according to the thought of the present invention, there will be changes in the specific implementation manner and application range,
In conclusion the contents of this specification are not to be construed as limiting the invention.
Through the above description of the embodiments, those skilled in the art can be understood that the present invention can be real
It applies.Certainly, situation listed above is merely illustrative, and the present invention is not limited to this.It should be appreciated by those skilled in the art roots
According to other deformations or simplification of technical solution of the present invention, it can be suitably applied to the present invention, and this hair should be included in
In bright range.
Claims (6)
1. the method for bank settlement, step are in a kind of cross-border trade,
International traders receive the commission of consignee in foreign country, and collect consignee's payment by the shroff account number of digital commercial systems
Buying deposit；
International traders enter China and place an order buying；
Level-one supplier or factory confirm an order on digital trading platform；International traders payment or payment in part, corresponding fund
Freeze, pushes transaction；
Level-one supplier or factory gather together enough order；
Ordering system begins to send out transfer instructions, and the corresponding amount of money enters all responsibility side's accounts by International traders account, including each
Grade supplier or factory, digital commercial systems account of receipts etc.；But it is not final in the supplier of each supply of material of the order or factory
Delivery is completed, i.e., before digital commercial systems storehouse does not receive cargo, this part fund of the corresponding order should be freezed；
After the completion of suppliers at different levels or factory get ready the goods, bin information is filled in, starts delivery to digital commercial systems storehouse；
After digital trading platform confirmation needs the order cargo declared at customs all to enter digital commercial systems storehouse, notice International traders payment
Remaining fund；
Digital trading platform starts to execute declaration operation, fills in export trade contract, and counterparty side is that consignee and the world are bought
Family；After International traders have filled in export trade contract, digital commercial systems will declare at customs information and be sent to customs broker's completion declaration；
After declaring at customs information return platform, trust bank carries out the sorting of transaction funds, the synchronous sorting result of system；
After sorting, International traders, the respective remaining sum of supplier or factory changes into the RMB that can withdraw deposit.
2. the method for bank settlement in a kind of cross-border trade according to claim 1, which is characterized in that the International traders
Receive the commission of consignee in foreign country, and collect the buying deposit of consignee's payment by the shroff account number of digital commercial systems,
It is the commission that International traders receive consignee in foreign country, is purchased to Chinese market；It is flat that International traders log in digital trade
Platform completes registration process and KYC verifying, generates digital commercial systems shroff account number；International traders show digital trade to consignee
Easy system shroff account number, consignee Pay International buyer purchase deposit；The digital commercial systems shroff account number of International traders receives
The fund of consignee's payment.
3. the method for bank settlement in a kind of cross-border trade according to claim 1, which is characterized in that the International traders
Payment or payment in part, corresponding freezing of funds push transaction, are to set and go back on one's word the phase, can recall without duty in the phase.
4. the method for bank settlement in a kind of cross-border trade according to claim 1, which is characterized in that the level-one supply of material
Quotient or factory gather together enough order, be level-one supplier or factory can contact junior supplier or factory be confirmed whether to supply it is surplus
Remaining part point；The fractionation of remainder cargo is pushed to junior supplier or factory by level-one supplier or factory, junior supplier or
Factory repeats above-mentioned process, until all suppliers gather together enough order.
5. the method for bank settlement, step are that International traders are outside in a kind of cross-border trade according to claim 1
State receives the commission of consignee, is purchased to Chinese market；International traders log in digital trading platform, complete registration process
It is verified with KYC, generates digital commercial systems shroff account number；International traders show digital commercial systems shroff account number to consignee,
Consignee Pay International buyer purchases deposit；The digital commercial systems shroff account number of International traders receives the money of consignee's payment
?；
International traders enter Chinese professional sales field, link up with supplier, and the buying that places an order；
Level-one supplier confirms an order on digital trading platform；International traders payment (can payment in part), corresponding freezing of funds,
Transaction is pushed, exists go back on one's word the phase at this time, can be recalled without duty in the phase；
Level-one supplier or factory can contact junior supplier or factory is confirmed whether the remainder that can supply；Level-one supplier
Or the fractionation of remainder cargo is pushed to junior supplier or factory by factory, junior supplier or factory repeat above-mentioned process,
Until all suppliers gather together enough order；
Ordering system begins to send out transfer instructions, and the corresponding amount of money enters all responsibility side's accounts by International traders account, such as at different levels
Supplier or factory, digital commercial systems account of receipts etc.；But it is not final complete in the supplier of each supply of material of the order or factory
At delivery, i.e., before digital commercial systems storehouse does not receive cargo, this part fund of the corresponding order should be freezed；
After the completion of suppliers at different levels or factory get ready the goods, bin information is filled in, starts delivery to digital commercial systems storehouse；
After digital trading platform confirmation needs the order cargo declared at customs all to enter digital commercial systems storehouse, notice International traders payment
Remaining fund；
Digital trading platform starts to execute declaration operation, fills in export trade contract, and counterparty side is that consignee is (overseas public
Department) and International traders；After International traders have filled in export trade contract, digital commercial systems are sent to declaration for information is declared at customs
Row completes declaration；
After declaring at customs information return platform, trust bank carries out the sorting of transaction funds, the synchronous sorting result of system；
After sorting, International traders, the respective remaining sum of supplier or factory changes into the RMB that can withdraw deposit.
6. the method for bank settlement in a kind of cross-border trade according to any one of claim 1 to 5, which is characterized in that
Fund is with information flow,
International traders are registered as digital commercial systems user, and complete the binding of corporate authentication and enterprise to public bank account
Afterwards, digital commercial systems generate the sub- account of bank gathering overseas to International traders；
Overseas consignee is remitted money buying money account of overseas collecting money to International traders by way of bank transfer；
International traders can be exchanged dollar for RMB by digital commercial systems, and digital commercial systems virtual account is remembered
Account processing；
International traders and supplier or factory pass through digital commercial systems and initiate purchase transaction, form order；
Supplier delivers to digital trade storehouse；
International traders complete customs entry online；
Digital commercial systems collect the materials such as order, delivery, declaration；
Digital commercial systems carry out factoring and issue money advanced for somebody to be paid back later, and fund is first issued to the world from the domestic bank's main account of digital commercial systems
The sub- account of buyer, the International traders and supplier being issued to respectively again from sub- account in order transaction chain or factory to public silver
Row account；
After domestic bank completes settlement of exchange, International traders virtual subnet account fund collects the main account of the domestic bank of digital commercial systems
Factoring refund operation is completed at family.
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| CN110414881A (en) * | 2019-06-11 | 2019-11-05 | 广东高捷航运物流有限公司 | A kind of foreign trade information processing method and system |
| CN110428239A (en) * | 2019-06-24 | 2019-11-08 | 西双版纳跨境电子商务有限公司 | A kind of cross-border clearing technology |
| CN111311356A (en) * | 2020-01-20 | 2020-06-19 | 广西东信金服信息技术有限公司 | Verification system and method for authenticity and uniqueness of cross-border and cross-market trade background |
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| CN112348495A (en) * | 2020-11-10 | 2021-02-09 | 上海欧冶金融信息服务股份有限公司 | Capital receipt and payment settlement method and system |
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| CN114202320A (en) * | 2020-09-18 | 2022-03-18 | 长安银科商业保理有限公司 | Warranty service application embedded into cross-border payment platform and used as fund closed loop |
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| CN106780013A (en) * | 2016-12-30 | 2017-05-31 | 中国建设银行股份有限公司辽宁省分行 | A kind of bank settlement system management platform pays way system for the guarantor of logistic industry |
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