1, financial company mode. As a subsidiary of multinational companies, financial companies have independent legal personality and are non-bank financial institutions that operate some banking businesses. Financial companies exercise the centralized management function of foreign exchange funds within multinational companies, accelerate the capital turnover through intra-enterprise group transfer settlement, find investment opportunities for idle funds of enterprise groups and provide a series of financial services for group member companies, thus promoting the comprehensive management and financial control of the group.

Specifically, multinational companies determine that the finance company is the centralized management organization of the group's foreign exchange funds, and plays its financial function, and uses it as the carrier to manage and use the group's funds. Finance companies collect the temporarily idle and scattered funds of subsidiaries, and then distribute them to the member enterprises in the group that need funds in the form of loans, so as to realize the mutual adjustment of the surplus and deficiency of funds in the group, use the remaining funds effectively, safely and profitably, and improve the efficiency of the use of funds in the group.

2. Entrusted loan mode. Entrusted loan simply means that one party lends money to another party and entrusts it to a third party (commercial bank) for management. Commercial banks do not bear the risk of loan losses, but are only responsible for issuing, supervising the use and assisting in the recovery of loans on their behalf according to the objects or investments designated by the clients, the prescribed purposes and scope, and the set conditions (amount, term, interest rate, etc.). The entrusted loan mode of centralized management of foreign exchange funds is an innovation and flexible application based on "one-to-one" entrusted loans.

Cooperative banks, as lenders, domestic competent companies of multinational companies and other member companies as principals and borrowers, through a series of legal agreements, automatically turn the entrusted loan business handled one after another into fund collection business according to the pre-agreed rules, thus realizing the allocation of internal funds. Specifically, the domestic competent company of a multinational company and its member companies open a foreign exchange current account and a corresponding foreign exchange entrusted loan account in the same domestic bank for accounting, and the entrusted loan account opened by the domestic competent company of a multinational company is the main account of the domestic fund pool of the multinational company.

Other domestic member companies transfer the discretionary foreign exchange funds in their foreign exchange accounts to the main account of the fund pool of the domestic competent company of the multinational company by entrusting loans to the competent company, and then the competent company adjusts the surplus and deficiency among the domestic member companies by returning, lending or recovering the entrusted loans.