The main functions of CBS2.0 include account management, direct platform, payment and settlement, internal pricing, capital budget and report management. And reserved internal account management, bill management, credit management, investment and financial management and other functions. According to the individual needs of enterprises, corresponding extensible functions can be developed. The unified system direct connection platform built by CBS is connected with online banking or core business systems of commercial banks through standard data interfaces, so as to obtain account data information scattered in various banking systems in real time and organically integrate them, and send account trading instructions and receive feedback information to banks through the direct connection channel of the system; Directly connect with enterprise financial system or ERP system to realize enterprise integrated system operation and data interaction. At the same time, under the premise of bank-enterprise agreement and system setting, CBS can automatically collect and allocate funds to peers or banks within the group, and enterprises can customize the allocation method of funds within the group in advance (such as transfer time, amount, interval and method, etc.). ), the system will automatically execute according to the set mode, making the centralized management of group funds more efficient and intelligent.
The new generation of direct connection platform fully fits the different characteristics of direct connection interface of banks, and improves the logic and types of interface processing. Ensure the stability and safety of each line interface. At the same time, the processing efficiency of trading instructions is greatly improved. Business intelligence logic judgment and state uniqueness setting are increased, and the possibility of instruction retransmission is completely eliminated. Enterprises use the account management module of CBS system to register and maintain the bank account information of the group and its member institutions that need to be managed, and copy the group management framework system into the system to accurately reflect the multi-level account management and authorization relationship within the group.
Enterprises can define the nature of different types of accounts, such as income households, expenditure households, basic households, comprehensive households and tax households, and supervise them in different ways.
Through the account management function, the group can query and master the account fund changes and transaction status of each member institution at any time, and obtain the required account transaction data and element information in time. A major challenge of centralized management of group funds is how to balance the interests of member institutions.
CBS system automatically counts the accumulated amount of funds deposited and borrowed by member institutions to the group, calculates the corresponding interest according to the preset interest rate, and makes settlement on a fixed interest settlement date.
Internal fund transfer pricing enables the Group to effectively regulate internal fund transactions and rationally allocate cash resources with the help of interest rate leverage effect. The transfer price of funds between the group and member institutions is completely set by the group itself, which can be adjusted at any time, supports interest calculation by segments, and is flexible and applicable. With the establishment of internal pricing system, more and more enterprise groups put forward the function of internal credit, hoping to imitate banks to establish credit management system. Realize the establishment of internal credit information system and internal credit rating system, establish a scientific and safe management system for the use of funds as a whole by the Group, and realize the information management of internal loan funds before, during and after lending.
On the CBS2.0 platform, the advanced credit management and credit management functions of commercial banks are introduced first, and the powerful business processing functions of the bank credit management information system are fully integrated. Provide strong system support for credit management within the group. The new bill management function not only integrates the rapidity and flexibility of electronic bills, but also supports the establishment of the overall "bill pool" of the group and the liquidity management of bill resources. With the online operation of the electronic bill system of the People's Bank of China, the ECDS interface reserved by CBS2.0 will enable enterprise groups to experience the comprehensive utilization of all kinds of bank bills and commercial bills and the information management of bills for the first time.
Through the function of bill management, the scattered bill information of enterprises can be quickly integrated, the bill turnover speed can be accelerated, and the efficiency of fund use can be improved. Centralized bill business operation and centralized bill custody on CBS2.0 platform can effectively reduce bill management and transaction costs, improve payment ability and enhance bargaining power, thus improving the overall yield of bill resources of group companies. Implementing capital budget management is the premise for enterprises to strengthen financial control and implement fine capital management.
CBS system is helpful to establish a comprehensive fund budget management system within the group, and its main functions include: budget preparation and approval of member units, budget review of the group, budget adjustment and budget control.
CBS2.0 further enriches the types of budget management. Meet the flexible customization of budget subjects of various enterprise groups and the construction of multi-level budget system. The budget control function has been strengthened. The system automatically checks the budget implementation according to the account transaction, controls the external payment of the account, and automatically refuses the payment exceeding the budget or submits it to the authorized approver for review.
Capital budget management is helpful for enterprises to effectively control liquidity risk and make accurate cash flow forecast. Maintaining and increasing the value of funds is an important function of fund management in enterprise groups. The brand-new CBS2.0 can provide more investment channels, richer investment varieties, comprehensive management and fast and efficient services for the idle funds of the Group.
Through CBS, enterprise groups can conduct online subscription, purchase, redemption, transfer custody, non-transaction transfer and other operations on wealth management products such as China Merchants Bank Jin Dian Company's wealth management products, China Merchants Bank's cash appreciation fund, China Merchants Bank's bond settlement agency business, and open-end fund consignment. Can comprehensively manage all kinds of wealth management funds, fixed-term, local and foreign currency call deposits, agreed deposits, entrusted loans, etc.
Provide value-added services such as expiration reminder of overall wealth management assets, expected income analysis and market investment consulting report. CBS2.0 provides more powerful transaction settlement management functions, comprehensive and convenient payment settlement and management functions. It enables enterprises to set the authorization and approval process of payment transactions for each account in the system according to their own financial authorization and management needs, and at the same time, effectively control it in combination with the capital budget. The system supports direct payment, online payment, counter bill payment and other settlement methods.
Support batch payment and deduction by multiple banks, and support users to import and export payment documents in batch. Support automatic import of payment data and automatic export of transaction result data in ERP system. CBS report server provides powerful report management functions for enterprises. The system uses advanced data warehouse technology to make special statistics, analysis and forecast reports, which provide decision support for enterprise cash management.
CBS system is equipped with nearly 100 kinds of statistical reports, such as: bank cash flow statement, daily cash flow analysis statement, income cash flow analysis statement, monthly net flow analysis statement, enterprise deposit analysis statement, bank deposit analysis statement, distribution comparison analysis statement and so on. On this basis, enterprises can also customize other reports needed by the group. System security hosting service means that China Merchants Bank provides CBS customers with the hosting service of the database and application server of the fund management system hosted by China Merchants Bank by virtue of its own advantages in information system software and hardware and professional excellent financial information system management team. Customers can enjoy financial-grade safe custody service, and avoid the expenses of equipment procurement and professional management team construction.
In the hosting mode, China Merchants Bank can provide efficient technical support and fault diagnosis for the system with the fastest response speed. At the same time, the powerful custody system configuration can meet the needs of large and super-large enterprise groups for fund management applications. The unique remote disaster recovery support makes the running environment of CBS system realize financial security.