1, business plan approval:
To apply for a business unit using a featured platform for customers, a written report must be made to the Trade Finance Department of the branch in the form of a business plan, and online supply chain financial services with featured platform channels can be provided to customers only after approval. The business plan shall include but not limited to the following contents:
(1) Basic information of core enterprises, including analysis of operating conditions in recent three years;
(2) Business dealings between the core enterprise and the bank, including credit granting, deposit and settlement business and business disputes in the bank;
(3) Business model and cooperation between core enterprises and upstream suppliers;
(4) The specific business plan, business process, feasibility of the plan designed by the business unit for the customer and the opinions of the business unit;
(5) Risk points and risk prevention measures of the business plan;
(6) measurement of operating income;
(7) Division of responsibilities within business units in the process of business development, such as platform information maintenance, customer identity authentication, teller management, pre-lending, in-lending and post-lending management;
(8) Other materials required by the Trade and Finance Department of the branch.
2. Customer visit:
In principle, the core enterprise customers of featured platforms shall meet the following access criteria at the same time:
(1) Global strategic customers, head office-level customers, branch-level customers or Fortune 500 companies and their holding subsidiaries, with a credit rating of BBB or above;
(2) The supply chain is complete and clear, the products are marketable, and it has strong vitality and competitiveness in the industry;
(3) Effective management of upstream enterprises and corresponding access, evaluation and exit mechanisms of upstream enterprises;
(4) In principle, he has handled settlement business in our bank for more than 1 year, and has no bad credit record;
(5) Open an account in our bank, register as a user of BOC Shangyi, and pass the real-name authentication audit of business units to obtain identity authentication tools;
(6) Willing to provide electronic data of basic transactions with upstream enterprises at the request of banks, or confirm the electronic data of basic transactions submitted by upstream enterprises, and cooperate with banks to monitor logistics, capital flow and information flow;
(7) Meet the anti-money laundering risk level access requirements of core enterprises under basic products.
In principle, customers of featured platform suppliers should meet the following access criteria at the same time: recommended by core enterprises to banks; In principle, the company has cooperated with core enterprises for more than 2 years, with normal performance and no bad credit record. If the upstream enterprises have been operating stably in this industry for more than 3 years, the cooperation period with the core enterprises may be appropriately relaxed to 1 year; Open an account in our bank, register as a Bank of China Shangyi user, and pass the real-name authentication audit of business units to obtain identity authentication tools; Meet the anti-money laundering risk level access requirements of suppliers and customers under basic products.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.