Self-run bill loaning method and system for group enterprise

[0053] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

[0054] reference figure 2 , figure 2 It is a flow chart of a method for group enterprise self-operating loan notes provided by an embodiment of the present invention. The group enterprise includes a payment subsystem, a fund management subsystem, an interest storage subsystem, and a bill issuance subsystem. The fund management subsystem is respectively connected to the payment subsystem, the interest storage subsystem, and the bill issuance sub-system. system. The payment subsystem is the machine equipment of an enterprise lacking invoices, the capital management subsystem is the machine equipment of the group fund management institution, the interest storage subsystem is the machine equipment of a multi-invoice enterprise, and the bill issuance subsystem is a cooperative Bank machinery and equipment.

[0055] Among them, Better Bill Pool Management Information System is Shenzhen Better Technology Co., Ltd. to provide group companies with cross-bank bill pool system solutions and software products. It can be interfaced with national and joint-stock bank bill pool products, which can meet the transparent management of bill information by group companies, bill pledge loans within the group, loan line financing between member units, and investment in bill deposit funds. Benefit analysis and other requirements can be adapted to the different management and control model requirements of different group companies for bills.

[0056] The internal fund management institution of the group refers to an organization whose main function is to centralize the management and control of the internal funds of the group (including cash equivalents such as bills) and adjust the fund surplus and shortages of each subordinate member unit. Reflected as an independent legal person type of financial company, or a non-independent legal person type, which belongs to the settlement center, capital center or other functional departments of the functional organization of the group headquarters. According to the different organizational forms, the business scope and operation mode are also different.

[0057] The bill issuance subsystem refers to a commercial bank that cooperates with the group to develop bill pool business.

[0058] The payment subsystem refers to a group member unit that has insufficient self-owned bills, but hopes to lend to brother units or group bills to carry out billing, lending, and issuance of business.

[0059] The interest storage subsystem refers to a group member unit that has a surplus of its own bills, and hopes to revitalize the bill assets of the unit by lending the bills, and obtain the proceeds from the bills.

[0060] Such as figure 2 As shown, the method includes the following steps:

[0061] Step 201: The interest storage subsystem pledges the bill into the pool to the bill issuance subsystem;

[0062] Specifically, through the administrative system of the group, the fund management subsystem requires member units to collect invoices, that is, pledge into the pool in exchange for quota (subsequently, if the demand for useful tickets is realized through exchange), to ensure the precipitation of the remaining quota into the pool.

[0063] Step 202: The bill issuance subsystem increases the pledge amount of the interest storage subsystem and the total amount of the group enterprise according to the pledged bill;

[0064] Specifically, member companies collect bills and pledge them into the pool, and the bill issuance subsystem records the available pledge amount of the member unit and the total available amount of the group.

[0065] Step 203: The fund management subsystem receives the instruction of the payment subsystem's issuance application and saves the deposit of the payment subsystem; and sends a credit instruction to the bill issuance subsystem. The credit instruction includes at least The bill limit issued by the payment subsystem;

[0066] Step 204: The bill issuance subsystem issues a bill corresponding to the bill quota issued by the payment subsystem to the payment subsystem according to the loan instruction, records the overdraft quota of the fund management subsystem and reduces all The total amount of the group enterprise, the reduced total amount of the group enterprise is the same as the bill quota issued by the payment subsystem, and the overdraft quota of the fund management subsystem is the same as the bill quota issued by the payment subsystem;

[0067] Specifically, in the case that the total available quota of the group is surplus, the payment subsystem initiates a business application. After approval by the funding institution, it initiates a loan instruction to the partner bank. The bill issuance subsystem records the funding institution’s overdraft quota and reduces the total available quota of the group. Accept business. The group fund institution may require the payment subsystem to deposit a certain percentage of internal margin deposits to control risks.

[0068] Step 205: After the payment subsystem pays the bill quota issued by the payment subsystem, the bill issuance subsystem pays the payment subsystem's margin to the payment subsystem, reducing the capital management subsystem The overdraft limit of the group company is increased, and the reduced overdraft limit of the fund management subsystem is the difference between the bill limit issued by the payment subsystem and the margin limit of the payment subsystem. The total amount of the group enterprise is the same as the bill amount issued by the payment subsystem;

[0069] Specifically, when the business expires, the bank automatically deposits the payment subsystem to the internal margin deposit of the group's capital institution according to the authorization, and transfers it from the group's primary settlement account to the secondary settlement account of the member unit to complete the deduction. And reduce the overdraft limit of funding institutions.

[0070] Step 206: The fund management subsystem receives the interest corresponding to the bill quota issued by the payment subsystem paid by the payment subsystem.

[0071] Specifically, the payment subsystem repays the interest on the loan notes to the group funding agency.

[0072] Optionally, the method further includes:

[0073] In the case that the interest storage subsystem applies for billing, the interest storage subsystem compares the bill quota issued by the interest storage subsystem with the total amount of the group enterprise;

[0074] If the total amount of the group company is greater than the bill quota issued by the interest storage subsystem, the bill issuance subsystem issues to the interest storage subsystem the corresponding bill quota issued by the interest storage subsystem Bills; reduce the pledge amount of the interest storage subsystem, and reduce the total amount of the group enterprise, the reduced pledge amount of the interest storage subsystem and the bill amount of the interest storage subsystem are the same, and the reduced amount The total amount of the group enterprise is the same as the bill amount issued by the interest storage subsystem.

[0075] Optionally, the method further includes:

[0076] In the case that the interest storage subsystem applies for billing, the interest storage subsystem compares the bill quota issued by the interest storage subsystem with the total amount of the group enterprise;

[0077] If the total amount of the group company is less than the bill quota issued by the interest storage subsystem, the fund management subsystem pledges the stored bills to the bill issuance subsystem or issues the bill to the bill issuance sub-system. The system pays margin;

[0078] The bill issuance subsystem increases the total amount of the group enterprise, increases the pledge amount of the fund management subsystem or the guaranteed amount rate of the fund management subsystem, and reduces the overdraft quota of the fund management subsystem;

[0079] The bill issuance subsystem issues a bill corresponding to the bill quota issued by the interest storage subsystem to the interest storage subsystem; reduces the pledge amount of the interest storage subsystem and reduces the total amount of the group enterprise, The reduced pledge amount of the interest storage subsystem is the same as the bill quota issued by the interest storage subsystem, and the reduced total amount of the group enterprise is the same as the bill quota issued by the interest storage subsystem.

[0080] Specifically, the fund institution should consider the quota use plan of each unit when using the remaining quota. If the subsequent ticket supply enterprise needs to use the quota to handle the business, the fund institution has the responsibility to pledge its own bills into the pool or Deposit supplementary margins to avoid affecting the normal business development of member companies.

[0081] Such as image 3 As shown, image 3 It is a schematic diagram of a method for self-operating of a group enterprise's own bank loan provided by an embodiment of the invention. Such as image 3 , Through the administrative system of the group, the fund management agency requires member units to collect the bills, that is, pledge into the pool in exchange for the quota (subsequently, if the need for useful tickets is realized through exchange), to ensure the precipitation of the remaining quota in the pool.

[0082] Member companies collect bills and pledge into the pool, and the bill issuance subsystem records the available pledge amount of member units and the total available amount of the group.

[0083] In the case that the total available quota of the group is surplus, the payment subsystem initiates a business application. After approval by the funding institution, it issues a loan instruction to the partner bank. The partner bank records the overdraft quota of the funding institution, reduces the total available quota of the group, and accepts the business.

[0084] The fund institution should consider the quota use plan of each unit when using the remaining quota. If the subsequent ticket supply enterprise needs to use the quota to handle the business, the fund institution has the responsibility to pledge its own bills into the pool or deposit the margin Supplement the quota to avoid affecting the normal business development of member companies.

[0085] The group fund institution may require the payment subsystem to deposit a certain percentage of internal margin deposits to control risks.

[0086] When the business expires, the bank automatically deposits the payment subsystem to the internal margin deposit of the group's capital institution according to the authorization, and transfers it from the group's primary settlement account to the secondary settlement account of the member unit to complete the deduction. And reduce the overdraft limit of funding institutions.

[0087] The payment subsystem repays the interest on the loan notes to the group funding agency.

[0088] Optionally, the method further includes:

[0089] The bill issuance subsystem sends a credit guarantee line to the fund management subsystem;

[0090] In the case that the fund management subsystem receives the instruction for the issuance application of the payment subsystem and the deposit paid by the payment subsystem, the fund management subsystem stores the deposit and sends it to the bill issuance subsystem Sending a credit note instruction, where the credit note instruction includes at least a bill limit issued by the payment subsystem;

[0091] The bill issuance subsystem issues a bill corresponding to the bill quota issued by the payment subsystem to the payment subsystem according to the loan instruction, and reduces the credit guarantee quota of the fund management subsystem;

[0092] After the payment subsystem pays the bill quota issued by the payment subsystem, the bill issuance subsystem pays the security deposit to the payment subsystem and increases the credit guarantee quota of the group enterprise management agency;

[0093] The fund management subsystem receives the interest corresponding to the bill quota issued by the payment subsystem paid by the payment subsystem.

[0094] Specifically, refer to Figure 4 , Figure 4 It is a schematic diagram of a method for self-operating of a group enterprise's own bank loan provided by an embodiment of the invention. Such as Figure 4 As shown,

[0095] In the case of a large bill pool, the center may agree with the bank to grant an additional credit guarantee line, which will be independently allocated by the center to units lacking tickets.

[0096] The payment subsystem applies for taking up the quota of the fund institution for invoicing and other services.

[0097] The group fund institution may require the payment subsystem to deposit a certain percentage of internal margin deposits to control risks.

[0098] After receiving the deposit, the group funding institution issues a loan instruction to the bill issuance subsystem, and the bank allocates the group credit to the payment subsystem according to the instruction and handles business for the payment subsystem.

[0099] When the business expires, the bank automatically deposits the payment subsystem to the internal margin deposit of the group's capital institution according to the authorization, and transfers it from the group's primary settlement account to the secondary settlement account of the member unit to complete the deduction. And reclaim the quota allocated to the payment subsystem to the group.

[0100] Under the self-operated bill loan mode, the group's treasury institution can calculate interest based on the net contribution of the member company's bill quota each day, as follows:

[0101] 1. Set deposit interest rate, deposit margin interest rate and loan note interest rate (higher than deposit margin interest rate)

[0102] 2. Daily calculation of the net contribution of each member unit's bill quota = deposit quota + deposit guarantee amount-usage quota

[0103] 3. Calculate the net contribution according to the first deduction of the deposit quota, and then the deduction of the guaranteed amount, if the net contribution> 0. Calculate interest based on net bill contribution * deposit interest rate + net margin contribution * deposit margin interest rate

[0104] 4. If the net contribution <0, interest is charged at the net contribution * loan ticket interest rate.

[0105] 5. If real-time net contribution <0, can request a certain percentage of deposit when issuing invoices.

[0106] 6. Fund institutions operate in a market-oriented manner and pay for the profit and loss of the interest margin between deposits and loans.

[0107] Assuming that the size of the loan notes demand of the group member companies is 100 million yuan/year, and the loan note term is 6 months, the net interest income of the loan notes is calculated at 1%. Through loan notes, on the premise of meeting the demand of payment subsystem, the interest income of loan notes can be 500,000 yuan for the interest storage subsystem or the fund management institution.

[0108] At the same time, the interest storage subsystem can obtain interest income from margin deposits of pledged bills. If the bills deposited in the "bill pool" are 1 billion yuan, the average maturity date is 4 months, and the "bill pool" is pledged every year, the acceptance bills issued are also 1 billion yuan, and the average maturity date is 6 Months, converted into agreement deposits, calculated at an annual interest rate of 1.31%. According to the time difference of 2 months, the benefits that can be obtained are:

[0109] Interest income from the "note pool": 1 billion × 1.3% ÷ 12 ÷ 30 × 60 (days) = 2.16 million

[0110] The billing fee is: 1 billion × 0.05% = 500,000 yuan

[0111] Actual income: 216-50=1.66 million yuan

[0112] If the institution requires the unit with a lack of tickets to deposit 50% of the deposit, at the same time, it can lock in the deposit of 100 million×50%÷12×6=25 million yuan each year

[0113] Optionally, the method further includes:

[0114] The bill issuance subsystem uses the margin to carry out wealth management services, and distributes the profits of the wealth management services with the fund management subsystem.

[0115] Specifically, when the bill pool reaches a certain size, the fund management subsystem can negotiate with the bill issuance subsystem to use the margin deposit deposited by the pledged bills to carry out the cooperative bank's wealth management business. Under the circumstance of guaranteeing that the due debts can be paid on schedule, the Byt bill pool system can help the fund management subsystem to predict the available margin and carry out wealth management business.

[0116] According to the maturity date of pledged bills, the inflow of margin in each measurement cycle is expected.

[0117] The outflow of margin for each calculation cycle is estimated based on the expiry date of the bill.

[0118] Calculate the expected balance of margin for the current period based on the expected balance of margin at the beginning of the period + expected inflow-expected outflow.

[0119] The margin balance is calculated daily during the period, and the day with the smallest margin balance in the period is used as the guide balance of the available margin for the period, and the fund management subsystem can be guided to purchase the financial products of the cooperative bank based on the balance.

[0120] Assuming that the bill pool pledged margin is maintained at 300 million yuan, the annualized rate of return is 4%, and the revenue and the bill issuance subsystem are divided into fifty to five, the fund institution can make an annual profit of 6 million yuan.

[0121] The embodiment of the present invention provides a method for self-operated loan notes of a group enterprise. The interest storage subsystem pledges notes into a pool to the note issuance subsystem; the note issuance subsystem increases the amount of the notes according to the pledged notes. The pledge amount of the interest storage subsystem and the total amount of the group enterprise; the fund management subsystem receives the instruction of the payment subsystem’s issuance application and saves the deposit of the payment subsystem; and issues a payment to the bill The system sends a loan instruction; the bill issuance subsystem issues a bill corresponding to the bill quota issued by the payment subsystem to the payment subsystem according to the loan instruction, and records the overdraft quota of the fund management subsystem And reduce the total amount of the group enterprise; after the payment subsystem pays the bill quota issued by the payment subsystem, the bill issuance subsystem pays the payment subsystem's margin to the payment subsystem, Reduce the overdraft limit of the fund management subsystem and increase the total amount of the group enterprise; the fund management subsystem receives the interest corresponding to the bill quota issued by the payment subsystem paid by the payment subsystem, thereby helping the group The internal fund management institution uses bill pledges to carry out internal credit business, activates the collection of funds, and saves the overall financial expenses of the group.

[0122] reference Figure 5 , Figure 5 It is a system structure diagram of a group enterprise self-operated loan note provided by the embodiment of the present invention. Such as Figure 5 The system includes a payment subsystem 501, a fund management subsystem 502, an interest storage subsystem 503, and a bill issuance subsystem 504. The fund management subsystem is connected to the payment subsystem and the interest storage subsystem respectively. And the bill issuance subsystem;

[0123] The interest storage subsystem 503 is used to pledge bills into the pool to the bill issuance subsystem;

[0124] The bill issuance subsystem 504 is configured to increase the pledge amount of the interest storage subsystem and the total amount of the group enterprise according to the pledged bill;

[0125] The fund management subsystem 502 is used to receive the instructions of the payment subsystem’s issuance application and save the deposit of the payment subsystem; and send a credit instruction to the bill issuance subsystem, and the credit instruction is at least Including the bill limit issued by the payment subsystem;

[0126] The bill issuance subsystem 504 is further configured to issue a bill corresponding to the bill quota issued by the payment subsystem to the payment subsystem according to the loan instruction, record the overdraft quota of the fund management subsystem, and Reduce the total amount of the group company, the reduced total amount of the group company is the same as the bill quota issued by the payment subsystem, and the overdraft quota of the fund management subsystem is the same as the bill quota issued by the payment subsystem After the payment subsystem pays the bill quota issued by the payment subsystem, the payment subsystem's margin is paid to the payment subsystem to reduce the overdraft quota of the fund management subsystem and increase the group The total amount of the enterprise, the reduced overdraft of the fund management subsystem is the difference between the bill amount issued by the payment subsystem and the margin of the payment subsystem, and the increased total amount and the amount of the group enterprise The bills issued by the payment subsystem are the same;

[0127] The fund management subsystem 502 is also used to receive the interest corresponding to the bill quota issued by the payment subsystem paid by the payment subsystem.

[0128] Optionally, the interest storage subsystem 503 is configured to compare the bill quota issued by the interest storage subsystem with the total amount of the group enterprise when the interest storage subsystem applies for invoicing;

[0129] The bill issuance subsystem 504 is also used to issue a receipt to the interest storage subsystem if the total amount of the group enterprise is greater than the bill quota issued by the interest storage subsystem The bills corresponding to the bill quota issued by the interest storage subsystem; reduce the pledge quota of the interest storage subsystem, and reduce the total amount of the group enterprise, and the reduced pledge quota of the interest storage subsystem and the interest storage The bill quota issued by the subsystem is the same, and the reduced total amount of the group enterprise is the same as the bill quota issued by the interest storage subsystem.

[0130] Optionally, the interest storage subsystem 503 is configured to compare the bill quota issued by the interest storage subsystem with the total amount of the group enterprise when the interest storage subsystem applies for billing;

[0131] The fund management subsystem 502 is also used to pledge the stored notes into the pool to the note issuance subsystem or to the bank if the total amount of the group enterprise is less than the note quota issued by the interest storage subsystem. The bill issuance subsystem pays the margin;

[0132] The bill issuance subsystem 504 is also used to increase the total amount of the group enterprise, increase the pledge amount of the fund management subsystem or the guarantee amount of the fund management subsystem, and reduce the overdraft limit of the fund management subsystem ; Issue the bill corresponding to the bill quota issued by the interest storage subsystem to the interest storage subsystem; reduce the pledge amount of the interest storage subsystem, and reduce the total amount of the group enterprise, reducing the interest The pledge amount of the storage subsystem is the same as the bill quota issued by the interest storage subsystem, and the reduced total amount of the group enterprise is the same as the bill quota issued by the interest storage subsystem.

[0133] Specifically, refer to image 3 The description of is not repeated here.

[0134] Optionally, the bill issuance subsystem 504 is further configured to send a credit guarantee line to the fund management subsystem;

[0135] The fund management subsystem 502 is further configured to store the deposit and send the deposit to the payment subsystem when the fund management subsystem receives the instruction of the payment subsystem’s issuance application and the deposit paid by the payment subsystem. The bill issuance subsystem sends a credit instruction, and the credit instruction includes at least a bill quota issued by the payment subsystem;

[0136] The bill issuance subsystem 504 is also used to issue a bill corresponding to the bill quota issued by the payment subsystem to the payment subsystem according to the loan instruction, and reduce the credit guarantee of the fund management subsystem Quota; after the payment subsystem pays the bill quota issued by the payment subsystem, the deposit is paid to the payment subsystem, and the credit guarantee quota of the group enterprise management agency is increased;

[0137] The fund management subsystem 502 is also used to receive the interest corresponding to the bill quota issued by the payment subsystem paid by the payment subsystem.

[0138] Specifically, refer to Figure 4 The description of is not repeated here.

[0139] Optionally, the bill issuance subsystem 504 is also configured to use the margin to carry out wealth management services, and to distribute the profits of the wealth management services with the fund management subsystem.

[0140] The embodiment of the present invention provides a system for self-operated loan notes of a group enterprise. The interest storage subsystem pledges notes into a pool to the note issuance subsystem; the note issuance subsystem increases the number of notes according to the pledged notes. The pledge amount of the interest storage subsystem and the total amount of the group enterprise; the fund management subsystem receives the instruction of the payment subsystem’s issuance application and saves the deposit of the payment subsystem; and issues a payment to the bill The system sends a loan instruction; the bill issuance subsystem issues a bill corresponding to the bill quota issued by the payment subsystem to the payment subsystem according to the loan instruction, and records the overdraft quota of the fund management subsystem And reduce the total amount of the group enterprise; after the payment subsystem pays the bill quota issued by the payment subsystem, the bill issuance subsystem pays the payment subsystem's margin to the payment subsystem, Reduce the overdraft limit of the fund management subsystem and increase the total amount of the group enterprise; the fund management subsystem receives the interest corresponding to the bill quota issued by the payment subsystem paid by the payment subsystem, thereby helping the group The internal fund management institution uses bill pledges to carry out internal credit business, activates the collection of funds, and saves the overall financial expenses of the group.

[0141] The above are only preferred specific embodiments of the present invention, but the protection scope of the present invention is not limited to this. Any person skilled in the art can easily think of changes or changes within the technical scope disclosed by the present invention. All replacements shall be covered within the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.