The eight business backbones who first entered the bill discounting team really felt the pressure. In order to achieve a breakthrough in bill discount in a short time, they went north to Zhengzhou and Shandong, and south to Shanghai and Hangzhou, asking for advice modestly, learning and understanding every technical link with the fastest speed and lowest cost, and getting the truth.
People have long been familiar with the payment and settlement function of bills, but for most enterprises in the capital of the autonomous region, it is still a new thing that a paper bill or even a bill issued by the enterprise itself can solve the contradiction of capital shortage. In order to let enterprises know about the bill discount business, the business personnel of the bill center of commercial banks have dragged their nets all over the streets, alleys and factories and mines in Urumqi.
They changed their marketing perspective, focused on promoting the financial management function of bills to enterprises, and encouraged enterprises to take idle bank acceptance bills to city commercial banks for low-interest discount to replace some high-cost bank loans. As long as it is a real and legal commodity transaction, banks can discount the unexpired bank acceptance bills, turn "idle money" into "living money" and activate the internal funds of enterprises. Urumqi Peng Huan Company is a state-owned enterprise supported by the municipal government. According to the characteristics of hot sales of its products, the business staff of the bill center handled the bill discount of 20 million yuan for the enterprise, which made the enterprise achieve a good performance of 65 thousand tons of calcium carbide sales and sales income of 65.438+24 billion yuan that year. At present, the annual discount of Peng Huan Company in the bill center of commercial banks is more than 60 million yuan.
Through unremitting efforts, the business personnel of Bill Group visited more than 0/000 enterprises in Xinjiang successively, and handled discount business for more than 200 key enterprises such as petroleum, chemical industry, cotton and linen, and electromechanical steel. Just seven months after the establishment of the Bill Discounting Group, the Group miraculously discounted 4 16 transactions with a total amount of 680 million yuan, and re-discounted 442 transactions with a total amount of 680 million yuan, realizing interest income of 654.38+004654.38+0.000 million yuan. On August 8, 2000 1 year1month, the bill discount center of Urumqi Commercial Bank was officially listed, which marked that the bill business of the bank had officially changed from the past era of individual combat to the era of "group army" combat.
Modern commodity trading is changing rapidly, and enterprises are often short of time in capital demand. In order to improve the quality and efficiency of handling business, the bank clearly stipulates that: local business should be handled on the same day; Mainland business, up to 3 days. An enterprise in this city will send the bill to the bank on Saturday. On Sunday, they sent people to Nanjing for verification, and on Monday, they transferred the money to the account of the enterprise.
In some financial institutions in the region, the business personnel of the "bill center" will drive to the other bank for authenticity inquiry on the same day, which is faster than telegraph inquiry 1 to 2 days, which correspondingly shortens the bank processing time. If the financial personnel of the enterprise can't spare the time to go to the bank, make a phone call, and the business personnel of the "bill center" will come to pick up the ticket and take the initiative to handle it.
According to the regulations of the Bill Discounting Center, any business with more than 500,000 yuan must be inquired on the spot. To this end, their salesmen often travel and set a new record for running Guangzhou business. In mid-July last year, customer service managers Xu Feng and Peng Fang took over a number of businesses. * * 86 million yuan acceptance bill, 1 1, with a journey of 23,000 kilometers in 0 day, spanning 27 cities in 9 provinces and cities such as Liaoning, Jilin, Beijing, Hebei, Zhejiang and Shanghai, and running more than 4,000 kilometers in 48 hours a day.
At present, many enterprises in Xinjiang are full of praise for the service of the bill discounting center of city commercial banks: the opening of the bill discounting business of city commercial banks is timely, convenient and practical, which truly embodies the service function of banks, relieves the financial shortage of enterprises and plays a very important role in the normal production and operation activities and stable development of enterprises. In order to prevent bill risks from the source, the bill discount center of Urumqi Commercial Bank strictly controls market access, process and service, implements centralized and unified business management, and builds a dam to prevent financial risks.
At the beginning of its establishment, the Bill Discounting Center formulated a series of operational rules and regulations, such as the Administrative Measures for Discounting and Redistribution of Accepted Bills, the Accounting Process for Discounting and Redistribution, and the Operating Process for Discounting Accepted Bills, to ensure risk prevention in terms of systems and operational processes.
A few years ago, commercial bills were used by some lawless elements in society to engage in fraudulent activities and extract bank funds, resulting in financial losses, thus affecting business development. Therefore, the business personnel of the bill center always adhere to three principles when carrying out bill acceptance and discount business: first, the issuance of commercial bills must be based on legal commodity transactions; Second, bank acceptance bills are never allowed to be used for capital borrowing; Third, every transaction must be carried out in strict accordance with the standardized procedures of credit and accounting systems.
Every employee in the bill discount center of Urumqi Commercial Bank regards bill safety as their life. In the past three years, there have been no bill errors and risks in the bill discount center, and 5 cases of fake bills have been successfully intercepted, involving a sum of10.86 million yuan, ensuring the safety of funds. The business staff of the bill discount center said: At present, the holder of the "commercial bill" issued by the access enterprise of the bank has gone through the discount formalities at the center. Because someone is the "backstage boss", the commercial acceptance bill becomes the same "hard" bill as the bank acceptance bill. If this bill continues to be endorsed and transferred in the "purchase and sale chain", it can also solve the capital problem of more enterprises, such as snowballing to produce economic and social benefits several times the face value, and promote the increase of financing opportunities for enterprises and the acceleration of social capital circulation.
In the process of handling "commercial tickets" business, banks implement a strict market access system, issue "licenses" to enterprises that meet the requirements in terms of production and sales rate, credit rating and source of funds, and are allowed to issue commercial acceptance bills. For enterprises, getting this qualification is a kind of credibility and an intangible asset.
Compared with bank liquidity loans, the financing obtained by enterprises because of "commercial bills" is still "cheap funds", and "commercial bills" can save interest and fees compared with issuing bank acceptance bills. After one year, this cost-free fund can be obtained many times. This undoubtedly enhanced the awareness and confidence of enterprises in using financial instruments, and attracted more enterprises to choose bill settlement and bill financing. In addition to accepting and discounting for enterprises, the bill center can also apply to the People's Bank of China for rediscounting according to a certain proportion to earn the benefits between discounting and rediscounting.
It is precisely because of the unremitting promotion of the bill discount center of Urumqi Commercial Bank that "commercial bills" have gradually become familiar and accepted financing tools for major enterprises in the capital of the autonomous region. In the process of handling "commercial ticket" business, the bill discount center of city commercial banks really tasted the sweetness. On the morning of 20 15 12 17, the press conference on the renaming of Urumqi Commercial Bank was held in Hongshan Hotel. Li Guanghui, member of the Standing Committee of the Municipal Party Committee and Secretary of the Municipal State-owned Assets Supervision and Administration Commission, Li Xiaochun, member and deputy director of the Autonomous Region Financial Office, and Yang Li, secretary and chairman of the Party Committee of Urumqi Bank, started the crystal ball and renamed Urumqi Commercial Bank Urumqi Bank.
Yang, deputy director of Xinjiang Banking Regulatory Bureau, read out the reply of renaming Urumqi Commercial Bank.
Yang Li, Party Secretary and Chairman of Urumqi Bank, delivered a speech, saying that the name change marked the bank's breakthrough in geographical restrictions and a brand-new transformation to a regional bank, marking that I entered a new historical development period. With the establishment of the strategic positioning of the core area of the Silk Road Economic Belt, the renamed Bank will stand at a higher starting point, continue to adhere to the concept of "honest management", strictly and efficiently manage, have a clear and clear strategic positioning, seize the opportunity, take the initiative, actively promote business transformation, deepen the Urumqi market, strengthen the prefecture-level market and radiate the Silk Road Economic Belt.