Detailed description:
Introduction and handling process of direct connection between banks and enterprises in Yunnan rural credit cooperatives
First, the importance of direct banking business
The direct connection between banks and enterprises has the functions of information synchronization, high efficiency and convenience, personalized service, safety and reliability, which can meet the financial management needs of group enterprises to centrally manage customer funds, improve the efficiency of fund use and reduce operating costs. Open the direct connection business between banks and enterprises to improve the service quality of credit cooperatives to group customers.
Second, the concept of direct connection between banks and enterprises.
"Bank-enterprise direct connection" is a direct electronic transaction system in which the business system of a credit cooperative or the online banking system of an enterprise is connected with the ERP system or financial software system of a customer through a special line or the Internet. Customers can directly manage and dispatch bank accounts and funds through the interface of the financial system, and carry out various business operations such as information inquiry, transfer, fund collection and data download.
Third, banks and enterprises directly contact the target customers.
The target customers of bank-enterprise direct link business are: large and medium-sized group enterprises with ERP system and financial software system, which want to realize centralized management of funds, require customers' financial information to be highly consistent with bank account information in real time, pay attention to financial work efficiency. The "enterprise management unit" in these Guidelines refers to the parent company or designated institution of a group enterprise customer, and the "enterprise member unit" refers to the subsidiary or other subordinate institution of a group enterprise customer.
Four, set the bank-enterprise direct link business enterprise customer access conditions.
(1) enterprise customers registered in China according to law, with good operating conditions, large scale, legal and compliant business activities and ERP system or financial software system;
(two) enterprise management units and member units need to open settlement accounts in credit cooperatives and open enterprise online banking;
(3) It has a good reputation for foreign performance and no bad settlement record;
(four) to establish a comprehensive business cooperation relationship with the credit cooperatives or the two sides have broad prospects for future cooperation.
Verb (abbreviation of verb) enterprise management
(1) Business functions
Enterprises and management units can choose one or more of the following business functions according to their own financial management needs when starting direct banking-enterprise business. Enterprise member units need to be consistent with the functions selected by enterprise management units.
Bank-enterprise direct link business functions include inquiry, transfer and fund pool management, among which:
Query function includes current account balance query; Regularly notify the account information inquiry; Enterprise reconciliation information query; Query the transaction details of the day; Historical transaction details query; Come to a detailed query; Transfer result query.
The transfer function means that the enterprise management unit can use the bank-enterprise direct link system to transfer accounts at the same level and enterprise member units, including fund transfer, inter-bank transfer and external payment.
Cash pool management refers to the establishment of real-time linked collection and transfer for enterprise management units and enterprise member units. The funds in the accounts of enterprise member companies are automatically collected into the accounts of enterprise management companies in real time, and the actual balance is 0. The allocated funds are used as the available balance of enterprise member companies. When making external payment, the account of the enterprise management unit will be directly paid to the counterparty account through the account of the enterprise member unit according to the available balance of the enterprise member unit.
Other functions include payroll and fund adjustment.
(ii) Business processes
The enterprise management unit applies for opening the bank-enterprise direct link business, joining the enterprise member units, changing the basic information of customers, business functions, signing accounts, authorization relationship or canceling the bank-enterprise direct link business.
1. The enterprise management unit shall fill in the Application Form for Direct Bank-Enterprise Linkage of Yunnan Rural Credit Cooperatives (attachment 1) and affix the official seal, and report it to the office of the director of the Science and Technology Information Department of the District Association for approval. The Science and Technology Information Department of the District Association undertakes the follow-up related work such as signing the tripartite agreement (Annex 2) and interface development.
2. At the same time, the enterprise management unit shall provide the List of Signed Accounts of Yunnan Rural Credit Cooperatives' Bank-Enterprise Direct Link System with official seal (Annex 3), indicating the information such as the name, account name, account number and account opening institution of the enterprise members accessing the Bank-Enterprise Direct Link System.
3. When an enterprise member unit joins the bank-enterprise direct link service, it is required to fill in the Power of Attorney of Yunnan Rural Credit Cooperative Bank-enterprise direct link system (Annex 4) and affix the reserved seal and business official seal to submit it to the bank account opening branch. After the bank account opening branch has passed the examination and approval, it will be stamped and confirmed, and the enterprise management unit will summarize the mobile phone and submit it to the organizer.
4. The organizer shall review whether the information contained in the signing account list of Yunnan Rural Credit Cooperative Bank-Enterprise Direct Link System is consistent with the account authorization of Yunnan Rural Credit Cooperative Bank-Enterprise Direct Link System, and maintain the account information in the online banking internal management system.
Intranet banking port management with intransitive verbs
The direct connection system between banks and enterprises of credit cooperatives is developed and designed based on the framework of online banking. In principle, both the enterprise management unit and the enterprise member units need to enable the online banking function in order to normally use the bank-enterprise direct link system. If the enterprise management unit does not allow the member units to open the online banking function due to internal regulations, it shall handle the related business of direct connection between banks and enterprises according to the following business processes:
(1) The enterprise management unit submits to the main board the application for opening the online banking function of the enterprise member units under its jurisdiction and the account list of the enterprise member units. The application form shall indicate "internal regulations of the enterprise management unit prohibit member units from opening and using online banking functions" and "In order to smoothly carry out direct banking business between banks and enterprises and meet customers' needs, the enterprise management unit shall uniformly issue an application form for opening online banking, and all account opening outlets shall open online banking functions for enterprise member units, and no online banking users shall be allocated and U-key services shall be provided.
(2) The organizer shall apply to the Science and Technology Information Department of the District Association for opening the online banking function of enterprise member units. Attached with the application form of enterprise management unit and the account list of enterprise member units, the science and technology department of the District Association shall report to the electronic banking department of the Science Center.
Seven, cost management
The expenses involved in the direct connection between banks and enterprises include interface development fees, front-end computers, system maintenance fees, electronic remittance fees and settlement fees. Among them, the organizer and the enterprise management unit agree on their own charging standards and charging methods, and the electronic remittance fee and settlement fee are automatically charged by the core business system according to relevant standards.