CN109509084B - Bank settlement method in cross-border trade - Google Patents
Bank settlement method in cross-border trade Download PDFInfo
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Abstract
A bank settlement method in cross-border trade is characterized in that an international buyer receives a purchase deposit paid by a receiver through a collection account of a digital trade system; the international buyer enters China to place a bill for purchase; confirming the order; the first-level supplier or the factory has enough orders; the order system starts to send out a transfer instruction; filling packing information after the stock of all levels of suppliers or factories is finished, and starting to deliver goods to a digital trading system warehouse; after the digital trading platform confirms that the orders and the goods needing to be closed are all put into the digital trading system bin, the international buyer is informed to pay the tail money; the digital trading platform starts to execute a customs declaration operation and fills an export trading contract; the digital trading system transmits the customs declaration information to a customs declaration bank to complete customs declaration; the system synchronously scores results; after the sorting is finished, the balance is converted into the RMB currency which can be presented. A set of payment settlement infrastructure is established for the development of cross-border digital trade, and is used for solving the problems of timeliness, flexibility, risk and cost existing in the existing payment mode.
Description
Technical Field
The invention relates to a bank settlement method in cross-border trade.
Background
In the current large-amount cross-border purchasing trade, payment settlement is generally carried out by adopting payment modes such as bank transfer, credit cards and the like, and certain problems exist in timeliness, flexibility, risk and cost.
The cross-border digital trading platform is used as a global buyer-oriented trading platform, and needs to provide a compliant, efficient and convenient payment settlement solution for foreign buyers and domestic suppliers: the foreign buyer can conveniently carry out on-line payment and currency exchange, and the domestic supplier can timely and regularly receive the payment settled by the RMB, thereby establishing a trust and safe digital trade settlement system between the buyer and the supplier. The actual requirements of the buyers and the suppliers cannot be met by the conventional payment and settlement means.
Disclosure of Invention
In view of the above situation, in order to solve the problems in the above technologies, the present invention provides a method for bank settlement in cross-border trading, which establishes a set of payment settlement infrastructure for the development of cross-border digital trading, and is used to solve the problems of timeliness, flexibility, risk and cost in the existing payment methods.
A bank settlement method in cross-border trade comprises the steps of,
the international buyer accepts the consignee's commission in foreign country and collects the payment of the consignee through the receiving account number of the digital trade system;
the international buyer enters China to place a bill for purchase;
confirming the order on the digital trading platform by the primary supplier or the factory; international buyer payment or partial payment, corresponding fund freezing and transaction promotion;
the first-level supplier or the factory has enough orders;
the order system starts to send out transfer instructions, and corresponding money amount enters all the system side accounts from the international buyer account, including all levels of suppliers or factories, income accounts of the digital trading system and the like; but before the supplier or factory of each supply in the order has not finished the delivery, i.e. the digital trading system warehouse has not received the goods, the part of funds corresponding to the order should be frozen;
filling packing information after the stock of all levels of suppliers or factories is finished, and starting to deliver goods to a digital trading system warehouse;
after the digital trading platform confirms that the orders and the goods needing to be closed are all put into the digital trading system bin, the international buyer is informed to pay the tail money;
the digital trading platform starts to execute a customs declaration operation and fills an export trading contract, and the counterparty of the trade is a consignee and an international buyer; after the international buyer fills the export trade contract, the digital trading system transmits the customs declaration information to a customs declaration bank to finish customs declaration;
after the customs declaration information returns to the platform, the escrow bank carries out clearing of the transaction fund, and the system synchronizes clearing results;
after the clearing is finished, the respective balance of the international buyer, the supplier or the factory is converted into the money capable of being extracted.
Preferably, the international buyer accepts the consignee's commission in a foreign country and receives the purchase deposit paid by the consignee through a payee account of the digital trading system, in which the international buyer accepts the consignee's commission in a foreign country and makes a purchase in a chinese market; an international buyer logs in a digital trading platform to complete a registration process and KYC verification and generate a collection account number of a digital trading system; the international buyer presents the digital trading system collection account to the receiver, the consignee pays an international buyer purchase deposit; the receiving account of the digital trading system of the international buyer receives the money paid by the receiver.
Preferably, said international purchaser payment or partial payment, corresponding to a fund freeze, facilitates the transaction, consists in setting a repentance period during which withdrawal can be undone.
Preferably, the primary supplier or the factory is ordered, and the primary supplier or the factory can contact the secondary supplier or the factory to confirm whether the rest part can be supplied; and the primary supplier or the factory splits and pushes the rest part of the goods to the subordinate supplier or the factory, and the subordinate supplier or the factory repeats the process until all suppliers have enough orders.
Preferably, a bank settlement method in cross-border trade, comprising the steps of receiving a consignee's commission in a foreign country by an international buyer, and making a purchase in a chinese market; an international buyer logs in a digital trading platform to complete a registration process and KYC verification and generate a collection account number of a digital trading system; the international buyer shows the receiving account number of the digital trade system to the receiver, and the receiver pays the international buyer purchase deposit; receiving money paid by a receiver by a receiving account of a digital trading system of an international buyer;
the international buyer enters a professional Chinese marketplace, communicates with a supplier and places a bill for purchase;
confirming the order form by the first-level supplier on the digital trading platform; international buyer payment (partial payment), corresponding fund freezing, transaction pushing, regret period and irresponsible withdrawal in the period;
the first-level supplier or the factory can contact the next-level supplier or the factory to confirm whether the rest part can be supplied or not; the first-level supplier or the factory splits and pushes the rest part of the goods to the next-level supplier or the factory, and the next-level supplier or the factory repeats the process until all suppliers have enough orders;
the order system starts to send out transfer instructions, and corresponding money amount enters all the system side accounts from the international buyer account, such as all levels of suppliers or factories, income accounts of the digital trading system and the like; but before the supplier or factory of each supply of the order finishes delivery finally, that is, the digital trading system warehouse does not receive the goods, the part of funds corresponding to the order should be frozen;
filling packing information after the stock of each level of supplier or factory is finished, and starting to deliver to a digital trading system warehouse;
after the digital trading platform confirms that the order goods needing to be customed are all put into the digital trading system bin, the international buyer is informed to pay the tail money;
the digital trading platform starts to execute customs declaration operation and fills out export trading contract, and the counterparty of the trade is a consignee (overseas company) and an international buyer; after the international buyer fills out the export trade contract, the digital trade system transmits customs declaration information to a customs declaration bank to complete customs declaration;
after the customs declaration information returns to the platform, the escrow bank carries out clearing of the transaction fund, and the system synchronizes clearing results;
after the clearing is finished, the balance of each international buyer, supplier or factory is converted into the RMB.
Preferably, the funding and information flows consist in,
the international buyer registers as a digital trading system user, and after enterprise authentication and binding of an enterprise to a public bank account are completed, the digital trading system generates an overseas bank collection sub-account number for the international buyer;
the overseas receiver remits the purchase money to the overseas receiver account of the international buyer in a bank remittance mode;
an international buyer can exchange U.S. dollars into RMB through a digital trading system, and the digital trading system performs accounting processing on a virtual account;
the international buyer and a supplier or a factory initiate purchase transaction through a digital trading system to form an order;
delivering the goods to a digital trade warehouse by a supplier;
the international buyer completes the customs declaration procedure on line;
the digital trading system collects materials such as orders, shipments, customs clearance and the like;
the digital trading system carries out insurance management and issues payment padding, funds are issued from a main bank account in the digital trading system to an international buyer sub-account, and are issued from the sub-account to an international buyer in an order transaction chain and a public bank account of a supplier or a factory;
and after the domestic bank finishes the settlement, the fund of the virtual sub-account of the international buyer is collected to the main account of the bank in the digital trading system, and the operation of warranty repayment is finished.
After the technology provided by the invention is adopted, the method for bank settlement in cross-border trade according to the embodiment of the invention has the following beneficial effects.
1) Aiming at a general trading scene of cross-border digital trading, a brand-new cross-border digital trading processing system is built to perform online interactive integration of information flow and fund flow with related trading and supervision entities such as global buyers and sellers, merchants, banks, customs and the like, and particularly, a brand-new end-to-end solution from a buyer to a supplier is provided for a payment clearing process, so that the online and normalized target of general trade payment settlement is achieved, and the problems of timeliness, flexibility, risk and cost existing in the conventional payment mode are solved.
Drawings
FIG. 1 is a flow diagram of a transaction in a digital trading system;
FIG. 2 is a schematic diagram of the flow of funds and information in a digital trading system;
FIG. 3 is an account data model for an individual role in a digital trading platform;
fig. 4 is a schematic diagram of a digital trading platform and account system interface.
Detailed Description
Various preferred embodiments of the present invention will be described below with reference to the accompanying drawings. The following description with reference to the accompanying drawings is provided to assist in understanding the exemplary embodiments of the invention as defined by the claims and their equivalents. It includes various specific details to assist understanding, but they are to be construed as merely illustrative. Accordingly, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Also, in order to make the description clearer and more concise, a detailed description of functions and configurations well known in the art will be omitted.
In this embodiment, a digital trading platform is taken as an example to illustrate the implementation method of the present invention. The following roles exist in this embodiment:
DT, digital Trader, the Digital trading system of this embodiment;
GB, an international buyer, must be an enterprise with Chinese import and export qualifications;
the receiver, the actual overseas real buyer, entrusts GB to purchase in China;
SHOP, supplier or plant;
DTP，DT partner ；
DT storehouse, DT cooperate with the storehouse, manage the warehouse-in and warehouse-out goods to keep;
the international logistics provider provides international freight service;
customs clearance, providing customs clearance export service;
and the international logistics customer service provides an offline service team of the international logistics customer service.
The process of trading of each role in the digital trading system is shown in fig. 1, and the specific steps are as follows:
1. GB receives a commission from a consignee in a foreign country, makes a purchase in the chinese market,
the GB logs in a digital trade platform to complete a registration process and KYC verification and generate a DT collection account;
GB shows the DT collection account number to the receiver, and the receiver pays GB purchase deposit;
the DT collection account number of GB receives the payment of the receiver;
2. GB enters a professional sales place in China, communicates with a supplier, and places a bill for purchase;
3. confirming the order form by the first-level supplier on the digital trading platform; GB payment (partial payment), corresponding fund freezing and transaction pushing, wherein repentance exists at the moment, and withdrawal can be performed without responsibility;
4. the first-level shop can contact the next-level shop to confirm whether the rest part can be supplied; the first-level shop splits and pushes the rest of the goods to the next-level shop, and the next-level shop repeats the flow until all the suppliers have enough orders;
5. the order system starts to send out transfer instructions, and corresponding money amount enters all the system side accounts from the GB account, such as the shop accounts of all levels, DT income accounts and the like; but before the shop of each supply in the order is not finally finished with the shipment (based on the goods received by the DT bin), the part of funds corresponding to the order should be frozen;
6. filling packing information after all levels of shop stock is finished, and starting to deliver goods to the DT bin;
7. after the digital trading platform confirms that the order goods needing to be closed are all put into the DT bin, the GB is informed to pay the tail money;
8. the digital trading platform starts to execute customs declaration operation and fills out export trade contracts, and the counterparty of the trade is a consignee (overseas company) and GB; after the GB fills out the export trade contract, the DT transmits the customs declaration information to a customs declaration bank to finish customs declaration;
9. after the customs clearance information is returned to the platform, the escrow bank carries out clearing of the transaction fund, and the system synchronizes the clearing result;
10. after the sorting is finished, the respective balance of GB and shop is converted into the removable RMB.
In this process, the fund and information flow diagram is shown in fig. 2, and specifically includes the following steps:
1. the GB is registered as a DT user, and after enterprise authentication and binding of the enterprise to a public bank account are completed, the DT system generates an overseas bank collection sub-account number for the GB;
2. the overseas receiver remits the purchase money (USD) to GB overseas receiver sub-account number in a bank remittance mode
3. GB can exchange U.S. dollars into RMB through a DT system, and DT virtual accounts carry out accounting processing;
4. GB and shop initiate purchase transaction through DT system to form order;
5. the supplier delivers the goods to the digital trade warehouse;
6. GB completes the declaration procedure on line;
7. the digital trading system collects materials such as orders, shipments, customs declaration and the like;
8. the digital trade system carries out warranty issue of payment padding, funds are issued from a main account of a bank in the DT system to a GB sub-account, and are issued from the sub-account to a public bank account of GB and a SHOP in an order transaction chain respectively;
9. and after the domestic bank finishes the settlement, the GB virtual sub-account fund is collected to the domestic bank main account of the digital trading system, and the operation of warranty repayment is finished.
The account data model for each role in the digital trading platform is shown in figure 3. The main accounts are legal person accounts and correspond to legal persons one by one, one main account corresponds to one enterprise, and one enterprise corresponds to one fund account. Multiple sub-accounts can be hung under the main account. Each account (including a main account and a sub-account) corresponds to a unique CFID, and the CFID is associated with a mobile phone number through which the personal real-name authentication passes. The interface of the digital trading platform with the account system is shown in fig. 4.
According to the bank settlement method in the cross-border trade, aiming at the problems in the aspects of timeliness, flexibility, risk, cost and the like in the cross-border digital trade payment settlement mode, a brand-new cross-border digital trade payment settlement method and system are provided, and the following problems are solved:
1. capital supervision and compliance: the buyer and the supplier can track the state and the flow direction of the transaction money through the system by the overseas third-party bank deposit and management and the cooperation with the domestic bank and the compliance and settlement entry in a goods trading mode, and the fund flow and the logistics flow are controlled according to the transaction state;
2. controlling transaction risk: the transaction and fraud risk of the buyer and the seller are controlled in a centralized way by adopting an online trade guarantee mode;
3. the trade efficiency is improved: the supplier can accelerate the money return efficiency of the supplier through the ways of warranty and the like.
According to the bank settlement method in the cross-border trade, the payment settlement system of the digital trade platform can establish a unique account number in the system for a supplier and a buyer to inquire and track information, and completes storage, management and supervision butt joint with a corresponding bank system and a national foreign exchange administration monitoring system, thereby ensuring the compliance of collection and fund exchange, and simultaneously providing a guarantee transaction mode for both transaction parties by combining the full transaction process of digital trade: the supplier can monitor the completion of the first payment and the payment of the last payment, but the money can be transferred to the cash-out account only after the goods are sent to the warehouse and the customs declaration procedure is completed; meanwhile, the buyer can pay the tail money after monitoring that the supplier finishes the production of goods and arrives at the warehouse, and the money is actually transferred after the customs declaration is successful, so that the possible trade risks of the purchasing party and the supplying party are effectively controlled.
According to the bank settlement method in the cross-border trade, aiming at the general trade scene of the cross-border digital trade, a brand-new cross-border digital trade processing system is built, information flow and fund flow are integrated with related trade and supervision entities such as global buyers, merchants, banks, customs and the like in an online interaction mode, particularly, a brand-new end-to-end solution from a buyer to a supplier is provided for the payment clearing process, the online and standardized aim of general trade payment settlement is achieved, and the problems of timeliness, flexibility, risk and cost of the conventional payment mode are solved.
The present invention has been described in detail, and the principle and embodiments of the present invention are explained herein by using specific examples, which are only used to help understand the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
From the above description of the embodiments, it will be apparent to those skilled in the art that the present invention may be practiced. Of course, the above listed cases are only examples, and the present invention is not limited thereto. It should be understood by those skilled in the art that other modifications or simplifications according to the technical solution of the present invention may be appropriately applied to the present invention and should be included in the scope of the present invention.
Claims (6)
1. A bank settlement method in cross-border trade comprises the steps of,
the international buyer accepts the consignee's commission in foreign country and collects the payment of the consignee through the receiving account number of the digital trade system;
the international buyer enters China to place a bill for purchase;
confirming the order on the digital trading platform by the primary supplier or the factory; international buyer payment or partial payment, corresponding fund freezing and transaction promotion;
the first-level supplier or the factory has enough orders;
the order system starts to send out transfer instructions, and corresponding money amount enters all the system side accounts from the international buyer account, including income accounts of all levels of suppliers or factories and the digital trading system; but before the supplier or factory of each supply in the order has not finished the delivery, i.e. the digital trading system warehouse has not received the goods, the part of funds corresponding to the order should be frozen;
filling packing information after the stock of all levels of suppliers or factories is finished, and starting to deliver goods to a digital trading system warehouse;
after the digital trading platform confirms that the order goods needing to be customed are all put into the digital trading system bin, the international buyer is informed to pay the tail money;
the digital trading platform starts to execute a customs declaration operation and fills an export trading contract, and the counterparty of the trade is a consignee and an international buyer; after the international buyer fills out the export trade contract, the digital trade system transmits customs declaration information to a customs declaration bank to complete customs declaration;
after the customs clearance information is returned to the platform, the escrow bank carries out clearing of the transaction fund, and the system synchronizes the clearing result;
after the clearing is finished, the balance of each international buyer, supplier or factory is converted into the RMB.
2. The method for bank settlement in cross-border trade according to claim 1, wherein the international buyer accepts the consignee's commission in a foreign country and collects a purchase deposit paid by the consignee through a payee account number of the digital trading system, wherein the international buyer accepts the consignee's commission in a foreign country and makes a purchase in a chinese market; an international buyer logs in a digital trading platform to complete a registration process and KYC verification and generate a collection account number of a digital trading system; the international buyer shows the collected account number of the digital trade system to the receiver, and the receiver pays the international buyer purchasing deposit; the receiving account of the digital trading system of the international buyer receives the money paid by the receiver.
3. A method of bank settlement in cross-border trading as claimed in claim 1 wherein the international purchaser payments or partial payments, respective funds freezes, facilitate transactions in the form of setback, where irrevocable withdrawals are possible.
4. The method of claim 1, wherein the primary supplier or factory has sufficient orders to contact the secondary supplier or factory to confirm whether the remaining part can be supplied; and the primary supplier or the factory splits and pushes the rest of the goods to the subordinate supplier or the factory, and the subordinate supplier or the factory repeats the process until all suppliers fill orders.
5. The method for bank settlement in cross-border trade as claimed in claim 1, wherein the international buyer accepts the consignee's commission in foreign country and makes a purchase in the chinese market; an international buyer logs in a digital trading platform to complete a registration process and KYC verification and generate a collection account number of a digital trading system; the international buyer shows the collected account number of the digital trade system to the receiver, and the receiver pays the international buyer purchasing deposit; receiving money paid by a receiver by a receiving account of a digital trading system of an international buyer;
the international buyer enters a professional Chinese marketplace, communicates with a supplier and places a bill for purchase;
confirming the order form by the first-level supplier on the digital trading platform; paying by an international buyer, freezing corresponding funds, pushing a transaction, wherein at the moment, repentance period exists, and withdrawing can be performed without responsibility;
the first-level supplier or the factory can contact the next-level supplier or the factory to confirm whether the rest part can be supplied or not; the first-level supplier or the factory splits and pushes the rest of the goods to the next-level supplier or the factory, and the next-level supplier or the factory repeats the process until all suppliers have enough orders;
the order system starts to send out transfer instructions, and corresponding money amount enters all the system side accounts from the international buyer account, including income accounts of all levels of suppliers or factories and the digital trading system; but before the supplier or factory of each supply of the order finishes delivery finally, that is, the digital trading system warehouse does not receive the goods, the part of funds corresponding to the order should be frozen;
filling packing information after the stock of all levels of suppliers or factories is finished, and starting to deliver goods to a digital trading system warehouse;
after the digital trading platform confirms that the order goods needing to be customed are all put into the digital trading system bin, the international buyer is informed to pay the tail money;
the digital trading platform starts to execute a customs declaration operation and fills an export trading contract, and the counterparty of the trade is a consignee and an international buyer; after the international buyer fills the export trade contract, the digital trading system transmits the customs declaration information to a customs declaration bank to finish customs declaration;
after the customs clearance information is returned to the platform, the escrow bank carries out clearing of the transaction fund, and the system synchronizes the clearing result;
after the clearing is finished, the respective balance of the international buyer, the supplier or the factory is converted into the money capable of being extracted.
6. A method of bank settlement in cross-border commerce according to any one of claims 1 to 5, wherein the fund and information flow is in the form of,
the international buyer registers as a digital trading system user, and after enterprise authentication and binding of an enterprise to a public bank account are completed, the digital trading system generates an overseas bank collection sub-account number for the international buyer;
the overseas receiver remits the purchase to the overseas receiver sub-account of the international buyer in a bank remittance mode;
an international buyer can convert U.S. dollars into RMB through a digital trading system, and the digital trading system performs accounting processing on a virtual account;
the international buyer and a supplier or a factory initiate purchase transaction through a digital trading system to form an order;
delivering the goods to a digital trade warehouse by a supplier;
the international buyer completes the customs declaration procedure on line;
the digital trading system collects order, delivery and customs clearance materials;
the digital trading system carries out insurance management and issues payment padding, funds are issued from a main bank account in the digital trading system to an international buyer sub-account, and are issued from the sub-account to an international buyer in an order transaction chain and a public bank account of a supplier or a factory;
and after the domestic bank finishes the settlement, the fund of the virtual sub-account of the international buyer is collected to the main account of the bank in the digital trading system, and the operation of warranty repayment is finished.
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| 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 |
| CN111311356B (en) * | 2020-01-20 | 2023-10-20 | 广西联合征信有限公司 | Verification system and method for cross-border cross-market trade background authenticity and uniqueness |
| CN112232789A (en) * | 2020-10-14 | 2021-01-15 | 中国民航信息网络股份有限公司 | BOP payment settlement method, device, equipment and readable storage medium |
| CN112348495B (en) * | 2020-11-10 | 2022-02-22 | 上海欧冶金融信息服务股份有限公司 | Capital receipt and payment settlement method and system |
| CN113421070A (en) * | 2021-04-26 | 2021-09-21 | 深圳海付移通科技有限公司 | Data processing method, device, equipment and storage medium |
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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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