Prepare the loan information ticket and own it.
1. The applicant submits an application for accepting business.
2. The account manager carries out credit issuance.
3. Trade background (procurement and sales)
4. Acceptance shall be carried out after examination and approval.
5. Prompt payment before the acceptance bill expires.
1. Microfinance formula
Small-scale loan companies can not directly apply for bills, but pledge loans through commercial bills, that is, the bill-receiving company requests loans from small-scale loan companies and pledges them to small-scale loan banks or through bills.
According to the provisions of Article 203 of the Measures for Payment and Settlement, the payee's office shall submit the entrusted receipt voucher and relevant debt voucher. In practice, the materials to be submitted for collection of commercial bills at maturity vary from bank to bank, and the treasurer of the company can consult to open the collection procedures. If an e-commerce acceptance form is issued, no other materials need to be submitted.
2. Guarantee formula
Although the guarantee company can't be straight, it can provide loans to the demanders who hold commercial bills by means of entrusted loans, or it can operate by purchasing the proceeds of bills through national or local financial property rights trading channels.
Specifically, after registering as a member in the financial third-party channel, the ticket-receiving enterprise will list commercial tickets in its channel and sign a property right transfer agreement. The guarantee company buys out the bill income by delisting, then signs the property transfer agreement, and then the acquiring enterprise and the guarantee company sign the legal documents offline and submit them for review, thus ending the delisting.
guarantee
Because commercial bills have the problem that commercial factoring companies are willing to use commercial acceptance bills to deal with the confirmation of accounts receivable. The factoring company operates the general accounts receivable factoring contract and completes the notice of accounts receivable transfer, which constitutes the factoring relationship of accounts receivable creditor's rights transfer. On this basis, if it is stipulated in the basic contract that commercial bills should be used as payment and settlement methods, the commercial bills should be endorsed and transferred to the factoring company at the same time.
Second, the business model of commercial tickets?
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth, have the largest number of people, and the types of commercial bills can be roughly divided into the following five types.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
How to choose? Locate what kind of commercial ticket you want to make according to your own resources.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Five ways to realize commercial paper
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Basic principles of bill business
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Profit model 1 of commercial ticket: brick moving model
Mode:
1. Find the exit
2. Lock the bill price
3. Quick operation
Step 4 earn the difference
Advantages:
1. The simplest mode works well.
2. Two companies in one hand earn spreads.
3. No need to occupy funds
Commercial ticket profit model 2: pledge model
Mode:
1. In the credit list
2. Financial institutions and factoring companies
3. Commitment to investors
4. Commitment to buy back at the bottom
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Advantages:
1. The mainstream commercial paper financing mode in the market
2. Relative safety
3. Have a large number of high net worth people or enterprises.
4. Commercial paper inventory
Commercial ticket profit model 3: short-term large-sum model
1. Before 10 Real estate commercial paper has a huge scale and high default cost. Refusal to pay in the payment record will affect the credit rating, and even the bank will forcibly close the acceptor's "ecds" electronic bill trading system.
2. Large quantity-there are few investors in the market, there is almost no competition and bidding, and the price is relatively high, the price difference is large, and the investors are in a strong position.
3. Short-term-the possibility of short-term default by the acceptor is almost zero.
4. Prove that the prior party is the legal holder of the bill and has the rights of the bill (payment claim and recourse).
Commercial ticket profit model 4: band operation
model
1. Commercial tickets for leading real estate enterprises
2. When the price is high at the end of the year, you can hoard 22%~25% of the tickets.
3. After the price is stable at the beginning of the year, sell it (about 17%).
4. Or let investors and investment companies help hold it.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
superiority
1. Real estate leader-huge scale, huge number of tickets.
2. Don't be the last holder to avoid the risk of overdue collection.
3. High spread and low risk
Commercial ticket profit model 5: no expiration model
model
1. Top Ten Real Estate Categories (mainly Evergrande)
2. Small amount (within 654.38+0 million)
3. Long-term
4. Do not hold maturity
superiority
1. Top Ten Commercial Bills in Real Estate-The scale and volume are huge, and the number of tickets is relative to currency exchange.
2. Small amount-stable price, many funds available in the market, high flexibility and many ways to realize.
3. Long-term-quick realization and more tickets.
4. Don't be the last holder to avoid the risk of overdue collection.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Commercial ticket profit model 6: ultra-short-term buying model
Mode:
/kloc-bills due in 0/.30 days.
Within 2.300 sheets
3. Ultra-high price purchase
4. Determine the core enterprises
Advantages:
1. Understand or identify core enterprises and collect them in various ways.
2. The price is high and the income is large, which can cover the cost even if the payment is delayed.
Commercial ticket profit model 7: financial management model
Take a one-year promissory note and pay a six-month or three-month promissory note.
If you don't hold it, the risk will be released to the market.
Let investment enterprises or investors invest in holding income (6%~ 12%)
The single sheet is controlled below 654.38+00,000.
Evergrande is wholly owned (Pearl River Delta, Yangtze River Delta, Shenzhen, Guangzhou, Hangzhou and other high-quality regions in the north).
Build channels and platforms
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
Seven profit models of commercial acceptance bills, especially the fifth one, are made by the most people.
7. Keep abreast of market price fluctuations.
8. Constantly explore low-cost funds.
3. How to finance or discount commercial acceptance bills?
It is difficult for banks to discount commercial acceptance bills, because the acceptor of commercial acceptance bills is enterprises, and the acceptor of bank acceptance bills is banks, and the credit of enterprises is lower than that of banks. So how are commercial acceptance bills discounted, and what discount models exist in the market? There are three common discount modes for commercial acceptance bills:
First, the buyout mode of commercial acceptance bills. The fund side buys out. Information required for bank verification: letter of guarantee, credit extension, due diligence report, bank-enterprise agreement, ticket receipt record, employment documents and identity certificates of the president and business supervisor. At the same time, the whole process is photographed and archived. A year or half a year is acceptable. Letter of guarantee: a letter of guarantee issued by an insurance bank to an invoice issuing enterprise. Underwriting a branch shall be authorized by the superior bank (branch) of the branch. Credit approval letter: the approval and credit granted by the insurance bank to the application of the billing enterprise. Due diligence report: the report on the investigation, review and evaluation of corporate loans by banks).
Operation flow: (1) complete data preparation; (2) Go to the door to verify whether the enterprise is operating normally! The purpose of meeting with the legal persons of both parties is to verify the authenticity of the information and whether the enterprise has the repayment ability. (3) When the legal persons of both parties are in the business premises, the investor will show the capital contribution and then conduct telephone verification. After the verification is successful, lend money! (4) If only one of the two legal persons is in the place of business and still shows its capital, an agreement will be signed, and the other party will pay part of the deposit, and then return to the bank where the letter of guarantee is issued for verification. After the verification is successful, the loan will be released.
Second, the pledge mode of commercial acceptance bills. The list of high-quality enterprises in the credit list includes Shanghai _ Company and state-owned private enterprises. These enterprises don't need bank guarantee and credit, as long as they sign repurchase agreements.
Operation process: After the ticketing enterprise passes the system query, the bank gives the enterprise credit approval, and then signs a repurchase agreement with the ticketing enterprise at the appointed time. After signing, go back to the bank to lend money. The discount time of commercial acceptance bills in pledge mode is long, generally about 20 days.
Three. Posting method of commercial acceptance bills: if state-owned banks have directly posted or endorsed, they can operate.
Fourth, commercial paper pledge financing process
After the loan information is prepared, go to the designated bank to handle the commercial ticket. The specific process includes: 1. The applicant submits an application for accepting business. 2. The account manager carries out credit issuance. 3. Review the trade background (purchase and sale contracts and invoices) of the buyers and sellers within the credit line. 4. Acceptance shall be carried out after examination and approval. 5. Prompt payment before the acceptance bill expires. : 1. Microfinance companies cannot directly discount bills. Therefore, they are all operated by commercial bill pledge, that is, when the bill receiving company requests a loan from the microfinance company, it will endorse the commercial bill it holds and pledge it to the microfinance company. Before maturity, the microfinance company will entrust the payee bank or remind the payer to pay through the bill exchange system. According to the provisions of Article 203 of the Measures for Payment and Settlement, when the payee handles the entrusted collection, he shall submit the entrusted collection voucher and related debt voucher to the bank. In practice, the materials to be submitted for the due collection of commercial bills vary from bank to bank, and the company's financial personnel can consult the bank for the relevant materials for preparing the collection procedures. If an e-commerce acceptance form is issued, no other materials need to be submitted. 2. The form of buyout of the bill income right of the guarantee company Although the guarantee company cannot directly carry out finance, it can provide loans to the demanders who hold commercial bills by means of entrusted loans, or it can operate by purchasing the bill income right through national or local financial property rights trading channels. Specifically, after registering as a member in the financial third-party channel, the ticket-receiving enterprise will list commercial tickets in its channel and sign a property right transfer agreement. The guarantee company buys out the bill income by delisting, then signs the property transfer agreement, and then the bill-receiving enterprise and the guarantee company sign the legal documents such as the creditor's rights transfer agreement and the guarantee agreement offline and submit them for review, thus ending the delisting. 3. The form of debt transfer of factoring companies Because of the "non-causative" characteristics of commercial bills of exchange, more and more commercial factoring companies are willing to use commercial acceptance bills to solve the problem of difficult confirmation of accounts receivable. The general practice of factoring companies in commercial bill transactions is to sign an' accounts receivable factoring contract' with the bill-receiving enterprise and complete the procedures such as notification of accounts receivable transfer, which constitutes the factoring relationship of accounts receivable creditor's rights transfer. On this basis, if it is stipulated in the basic contract that the commercial bill is the payment and settlement method, the commercial bill shall be endorsed and transferred to the factoring company at the same time.