Commercial paper is divided into two forms:
1, paper commercial paper, less acceptance in circulation.
2. Electronic commercial tickets are more mobile and safer.
Second, the characteristics of commercial paper financing:
(a) improve the credit of commercial acceptance bills, enhance the liquidity and liquidity of commercial acceptance bills, and make commercial acceptance bills more acceptable to buyers.
(2) For the recipients, purchasing goods with commercial reputation saves working capital and capital cost; At the same time, the handling fee and deposit required for issuing bank notes are saved, and the cost is saved.
(3) For the holder, the financing is obtained by the buyer's credit, and the discount does not need additional guarantee, and the procedure is simpler and faster than that of ordinary commercial paper discount.
Three, the scope of application of commercial tickets:
Different from bank credit, commercial acceptance bills depend on enterprise credit, so they have higher solvency and credit requirements for billing companies, and are suitable for state-owned enterprises, listed companies and well-known profitable enterprises.
(1) The core enterprise has strong strength and strong performance ability, and hopes to simplify the operation process and reduce the financial cost.
(2) Core enterprises hope to stabilize upstream and downstream channels and are willing to support the development of upstream and downstream enterprises through their own credit.
(3) Core enterprises have strong control over upstream and downstream enterprises, and hope to further strengthen the control over upstream and downstream enterprises through commercial bills with the help of banks and revitalize their own credit financing.
Four, the basic conditions of commercial paper financing:
1, mainly core enterprises with credit lines.
2. For the acceptance bills that have been drawn, electronic bills are the main ones.
3. Discount interest: discount 8%- 15%.
4. Commercial bill financing interest = financing amount × financing interest rate × financing days /360.
5. Bill requirements: the bill center of the People's Bank of China unifies the bill format.
Five, the original Hisense commercial factoring commercial bill financing has two ways:
(a) to accept the e-commerce pledge buyout mode.
The list of high-quality enterprises in the credit list includes well-known and profitable listed companies and state-owned private enterprises. These enterprises do not need bank guarantee and credit, just check the original contract invoice and sign an agreement. Mainly by electric ticket.
Operation process: confirm the face information, verify the original invoice of the trade contract, sign the financing cooperation agreement and endorse it. The operation is simple, the materials are ready and it takes half an hour to complete.
(2) Accept the e-commerce credit buyout mode.
(1) Relevant documents to be provided:
1. Company legal documents: business license, organization code certificate, tax registration certificate, account opening permit, loan card, legal person ID card/passport.
2. Enterprise trade documents: company profile, company description, commodity trading contract, copy of value-added tax invoice (original), financial statement, e-commerce acceptance form (color photo of sample ticket).
3. Enterprise confirmation documents: financing cooperation agreement, repurchase agreement, etc.
(2) the operation process of credit acquisition mode
1. Materials required for audit: basic information, credit approval, contract invoice, due diligence report, bank-enterprise agreement, relevant introduction, etc.
2. Operation process
(1) data preparation (electronic document data);
(2) Preliminary examination;
(3) review the original materials;
(4) On-the-spot investigation, meeting with relevant legal persons to verify the authenticity of the information and whether the enterprise has repayment ability;
(5) Risk control review;
(6) Verify the operation, inform the operation limit, confirm the information, and sign the financing cooperation agreement and repurchase agreement;
(7) loan filing and business completion;
(8) Payment due.
6. What are the main billing companies suitable for issuing commercial tickets?
Architecture: China Railway Construction (except some bureaus), China Communications Department, Shanghai Construction Engineering and local state-owned provincial construction engineering, China Water Conservancy and Hydropower, China Nuclear Construction, etc.
Heavy industries: CSSC, CSIC, CNNC, AVIC, AVIC, CRRC, China Ordnance, Ordnance Group, China Electric Branch, China Electronics, Shanghai Electric (partially), Shen Fei, Shaanxi Aircraft, Chengfei, Xugong Group, state-owned scientific research institutes, 3A hospitals, local public hospitals, state-owned pharmaceutical factories, China Railway Bureau, etc.
Energy: State Grid, Sinopec, PetroChina, Gezhouba Electric Power, CNOOC (partially), Huabei Oilfield, Shengli Oilfield, Shanxia Group, Tongling Nonferrous Metals, Jiangxi Copper, China Datang, China Huaneng, China Nuclear Energy, etc.
Real estate category: China Resources, Greenland, Poly, China Merchants, China Shipping, OCT, Ocean Shipping, COFCO Real Estate, CITIC, China Railway Real Estate, etc.
Civil Aviation: China Civil Aviation, China Airlines, China International Airlines, China Eastern Airlines, China Southern Airlines, Shenzhen Airlines, Jinan Airlines, Capital Airlines, Southwest Airlines, Sichuan Airlines, Chengdu Airlines, Capital Airport and other national airport first-class companies.
Automobile category: China FAW, China Heavy Duty Truck, SAIC, Zhonglian Heavy Industry, Shanghai Volkswagen, Dongfeng Nissan, Dongfeng Motor, Yutong Bus, Guangzhou Automobile Group, etc.
Communication: Telecom, Mobile, China Unicom, Datang Telecom, etc.
Science and technology: TCL, Northern Rare Earth, BYD, Gree, Dongfang Electric, Di Mei, etc.
The former Hisense An Commercial Factoring reminds you that all central enterprises and first-and second-tier companies, reputable and powerful enterprises, listed companies and those with debts can do it.