1. Group Corporation Nationwide "On-line Clearing Center" and "Financial Management Center"
The parent company and its subsidiaries are treated as an integrated client with a single client identity number and a single account for on-line corporate banking service, which helps to realize universal fund settlement management within the group, and provides highly efficient support for group fund management. Flexible remote control and management over subsidiaries' accounts: it fully realizes a nationwide group fund management modes at varying level of centralization, such as "centralized account opening and operations for both parent company and subsidiaries in a group corporation," "centralized revenue and expenditure at the parent company," "parent company's authorization to subsidiaries for autonomous settlement within quota or exceeding quota," and "subsidiaries' case-by-case on-line submission for the parent company's approval." Powerful settlement center function for group corporations: it realizes nationwide real time account information inquiry, fund balance centralization, real time internal fund maneuver, and group corporation external settlement, etc. Creative group financial center management: with brand new credit business functions such as "self-help loans" and "self-help mandate loans," the parent company is able to use the group's fund with an overall planning, or realize fund maneuver and cash supply reallocation with compensation; or realize subsidies' sharing of the universal credit quota of the group corporation, or the parent company's "zero-balance," or nominal fund management over its subsidiaries; or realize the group corporation's regular recouping and "quota" dispensing of fund; all abovementioned strongly supports group corporation fund management.
2. On-line Self-help Borrowing
Credit quota is subjected to advance approval, recyclable in use, and shared by both the parent company and its subsidiaries in a group. Self-help withdrawal of locals within credit quota, and self-help repayment with real time fund arrival and convenient operations: loans are withdrawn and repaid whenever necessary, with very flexible periods. Automatic withholding of loan principle and due interest, no need to worry about overdue penalties.
3. On-line Loan by Mandate
All new corporate on-line fund management service: clients sign consignment and loans contracts in advance, are allowed to issue several batches of loans by mandate within a credit quota. Clients and borrowers can make direct on-line communications, and borrowers autonomously confirm terms of credit with clients. Release and repayment of loans by mandate are both processed through self-help channels and with real time arrival of fund. Automatic withholding of loan principle and due interest, no need to worry about overdue penalties.
4. On-line Nationwide Collectionand Payment Agent
Realizing nationwide intra-city and inter-city payout and withholding agent service: the proceeds can arrive at accounts in real time, with in-time and comprehensive transaction feedback. An "On-line Collecting Station" is launched services such as withholding administrative and institutional fees and charges, and other contracted collection service. An "On-line Cashier" is also established to offer cashing services such nationwide payout of salary, bonus, allowance as well as other borrowed funds; original vouchers can be transmitted in the form of "attachment" to realize inter-city financial examination and approval and reimbursement, etc. Close cooperation between the bank and insurance companies ensures optimized convenience of policy holders; the "Bank-Insurance Express" service mode is able to collect premiums and pay compensations on behalf of insurance companies.
5. Customized Financial Authorization Management
Clients are allowed to define their own internal financial authorization mode, which is adaptive to diversified and personalized demands for financial management. Flexible pre-set mode policy to systematically normalize corporate financial management mode; "Standard" pre-set mode with simple and easy-to-use "foolish-proof" operations to meet the general corporate financial management requirement; "Personalized" pre-set mode with "operational chain" management to make operational process clean and clear. It features strict authority limitation set up, flexible distribution of personnel and workload to match different combinations of financial management styles, and strongly support for the sophisticated management of "group corporation settlement centers".
6. On-line Safe Account Management
Early warning messenger: the clients are allowed to configure various types of conditions for activating early warning messages, which include account accession warning, abnormal changes in large amounts, etc. The messages can be sent through PC terminals, e-mails, mobile phone short message service and other channels, to keep administrative officers informed of latest changes on account. Limitation on beneficiaries: pre-set an address book of your business partners, and limit the range of possible beneficiaries for cash transactions such as settlement and transfer of account, lock down the direction of cash flow, and ensure safety of funds. Quota control: the clients are allowed to freely set restrictive conditions for the amount of settlement and transfer of account. The quota can be set by a specific transaction, or by accumulated amounts in a single day, a single week, a month or even a year. Digital certificate: for sensitive transactions involving transfer of funds, the computer will process digital certificate identification and encryption to ensure system-wide security.
7. Full-process Monitor and Transaction Tracing Service
The all-new "full-process monitor" function provides detailed information of the entire process including transaction handling, examination and approval. The system is able to automatically prompt and notify operators to start the next link along the process, which ensures a highly efficient and smooth operation. The system informs its corporate clients the accurate time of transaction process, and keeps the clients informed of the current link that a transaction is on, as well as the status of a transaction. This is an evidence of high quality bank service, helping the corporate clients capture business opportunities in time and make wise decisions.
8. Intellectual Operation Guide
The system offers various kinds of help and guide, which acquired the style of Windows OS with more humanized operations. Dynamic help information on interface: providing interpretations to the headline, menu, name, button, blank to be filled as well as drop-down box that the mouse cursor is pointing to. On-line help provides detailed description of functions and answers to FAQs. Operation process prompt provides easy-to-learn guide, which makes powerful functions obedient as a sheep. Personalized interface provides dozens of background colors and buttons in all styles to choose from; you may also define your favorite hot keys. The interface is much more friendly than ever before.
9. Customized Bank Information Active Notification
Active messenger service puts an end to the outdated bank practice of passive information provision. This makes a new channel for bank-to-enterprise and enterprise-to-enterprise communications. Variety of channels, including Bank-Enterprise Express, PC terminals, email, mobile phone SMS, etc. Rich contents for inquiry, including financial information, bank notice, account information, transaction information, service process information, etc. keep you in control of the service status at any time. Customized information service allows the clients to decide by themselves whether to subscribe to the information service, and configure the conditions to activate transmission of messages such as "transaction in process alert," "abnormal balance of account," and "fund arrival at account," etc.
10. Massive Business Information Transmission
The newly added feature of "transaction attachment" can provide a massive amount of "summary," and allow you to attach any type of descriptive documents to the transaction. This makes it more convenient for the financial staff to recheck, audit, and keep business records; it likewise makes it earlier for the beneficiary to double checks. As many as five files can be attached to a transaction. The supported attachment formats include pure text, scanned chart, and tables. The attachment can be in fixed format or free format to meet different service demands.
11. Online Bills
We provide corporate customers with a complete electronic solution for reflow of sales bills and payment of purchase bills. We especially offer financial technical support so that corporate groups will be able to strengthen and improve internal cash management through an integrated management and utilization of system commercial bills. Customers can apply to CMB for such operation qualification, then turn to the bank's keeping (trusteeship) of the banker's acceptance bills (actual bills hereinafter) or CMB electronic bills (e-bills hereinafter). Information of the trusted bills can be obtained through corporate Internet banking system. In the system, the customer can handle discounts, redemption, and collection, collateral loans, and collateral bills of actual bills or e-bills, as well as endorsement of e-bills, withdrawal and trust of actual bills. The customer can also issue banker's acceptance bills or CMB e-bills through the system。
12. Online L/C
Our target customers include manufacturers and trading companies of large purchase as well as enterprises in correlation; manufacturers of strict distribution admittance, and enterprises in correlation, companies with the membership of B2B e-commerce platform. The customer can issue/modify a L/C, and give out the L/C notification on the net, and perform credit grant and negotiation off the net to complete the whole cycle of domestic L/C operation. Basic functions include L/C operation, multi-layer approval, issuance, incoming L/C inquiry, modification, cancellation, receiver restriction, initiative notification, editing beneficiary information, offline bill production, batch operation, system direct connection, etc.