Product introduction: Export accounts receivable pool financing refers to the collection of transferred accounts receivable and unpaid export tax refund on the premise that customers transfer their qualified export accounts receivable to our bank and/or pledge them to our special account for export tax refund. According to the balance of accounts receivable pool, provide customers with comprehensive off-balance-sheet financing and accounts receivable pool management services. The financing services provided to customers include local and foreign currency loans, commercial paper discount, bill acceptance, letter of credit opening, letter of guarantee, import and export trade financing, etc.
Product advantage: Accounts receivable pool financing gives credit according to customers' export settlement. As long as customers keep submitting documents, the deposits in the cash pool can be set aside for use. Its essence is to use the bottom accounts receivable of enterprises to finance without affecting or rarely affecting the capital turnover of enterprises. In practice, if the account period is one month and the customer pays about USD 3 million to our bank every month, you can get a one-year floating loan180,000 yuan, which will not affect the use of its foreign exchange collection funds, reduce the trouble of customers with multiple orders, and obtain a stable supply of credit funds, especially for customers with short account period. In addition, untimely L/C documents and L/C documents from underdeveloped countries can enter the accounts receivable pool for financing.
Silver tariff
Product Description: Inter-bank tariff service refers to the business of connecting the comprehensive service platform of China electronic port with the inter-bank tariff service system, enabling the customers of import and export enterprises to log on to the website of China electronic port and choose the bank as the tax handling bank, so as to realize the payment of customs taxes and fees through the electronic network.
Product advantages: this service simplifies customs clearance procedures for enterprises and improves customs clearance efficiency. Enterprises can pay taxes through the electronic service platform, which helps enterprises win valuable time for goods clearance, ensures the safety of enterprise funds to the greatest extent and improves the efficiency of fund use.
Electronic bill business
Definition: Electronic bill business refers to the electronic processing of commercial bills (including bank acceptance bills and commercial acceptance bills), making and circulating them electronically, and replacing the entity seal with electronic signature.
Function: Electronic bills have all the functions of ordinary commercial bills, not the electronic information of ordinary paper commercial bills, but independent, complete and legal commercial bills. Customers can handle the issuance, acceptance, delivery, endorsement transfer, discount, pledge, custody and entrusted collection of electronic bills through online banking, which makes the bill business operation more convenient and fast, reduces transmission links, improves the security of bills and facilitates the fund management of enterprises.
Company income:
Convenience: online operation, saving manpower and fast circulation.
Security: digitally sign certificates to prevent cloning, theft and loss.
Management: support cash management and strengthen financial management of group enterprises;
Benefits: It can be used in combination with bill products such as buyer's interest payment, effectively reducing the financial cost of enterprises.
Bill management business
Definition: Enterprise bill management business refers to the comprehensive management of unexpired commercial bills (hereinafter referred to as "bills") held by holders by Minsheng Bank on the basis of custody.
Function: This business is divided into basic business and derivative business. Basic business includes: deposit, withdrawal, deposit, withdrawal, discount, entrusted collection and pledge of off-balance sheet and off-balance sheet assets; Derivative business refers to the off-balance-sheet and off-balance-sheet asset business provided by Minsheng Bank under the premise of locking the repayment source within the enterprise bill management quota.
Product advantages:
Compared with the traditional physical bills, it reduces the operational risks that may be brought by the bills in the examination, delivery, storage and collection.
Reduce the labor cost, management cost and financing cost of enterprises;