Account management
Account management refers to a series of account services for customers to inquire, download and maintain account information through online banking. Whether it is a group enterprise or a small and medium-sized enterprise, you can check the balance and details of various accounts of the head office (parent company) and subsidiaries at any time, and grasp and monitor the internal funds of the enterprise in real time; You can also use the "electronic receipt" function to self-check online or print the electronic supplementary receipt of current account. Account management provides a strong guarantee for you to realize intensive and modern management.
Payment service
Payment services include online remittance, fund settlement of securities registration companies, e-commerce and foreign exchange remittance. It is the product of the combination of traditional business model and modern e-commerce model, and it is a set of payment solutions carefully designed by ICBC to meet the payment needs of various corporate customers.
1. Online remittance
The head office (parent company) of a group enterprise can transfer funds from its account through electronic payment instructions, so as to realize fund settlement with other units in the same city or in different places (opening accounts in any bank in China) and easily complete the daily settlement business of the enterprise without leaving home.
Online remittance provides you with various payment methods. According to the internal management needs of the group, you can design the payment method of outward transfer or directional remittance in a unified way, and realize the requirements in financial management through the security authorization and control scheme designed by you. Make use of the convenient batch instruction processing method of online remittance and China's leading settlement network to make your business even more powerful.
Fund settlement of securities registration companies.
Customers of securities companies can transfer money to the settlement account designated by the securities registration company through the function of "fund settlement of securities registration company" and inquire relevant information. It includes four functions: instruction submission, instruction inquiry, clearing account information inquiry of securities registration company and instruction authorization.
3. E-commerce
B2B online payment is a safe, fast and convenient online payment intermediary service provided by ICBC for sellers and buyers in e-commerce activities. ICBC's B2B online payment platform connects sellers and buyers in e-commerce activities, providing advanced and fast capital flow channels for B2B special merchants and online shopping enterprises, breaking the restrictions of time and space, improving transaction efficiency and reducing transaction costs.
When any B2B special merchant of ICBC buys an enterprise order or makes a purchase, we provide you with two payment methods. One is to complete the payment of the generated order directly on the special website, and the other is to manually input the order information obtained through the e-commerce function after you log in to ICBC's enterprise online banking. After payment, B2B merchants and purchasing enterprises can obtain detailed transaction information through transaction instruction inquiry and other functions, so as to master and monitor the whole transaction process.
4. Foreign exchange remittance
Foreign exchange remittance is the business that corporate customers transfer and settle foreign currency accounts in the same city/different places through corporate online banking. In China, ICBC took the lead in realizing the function of online foreign exchange remittance, and divided the functions according to different customers. You can transfer and settle foreign exchange funds through specific functions as needed.
(1) Group Fund Allocation
Group customers can transfer foreign currency funds in their group in two directions through the group fund transfer function, so as to monitor the operation of foreign currency funds in each branch and achieve the purpose of unified dispatching and management of foreign currency funds in the whole group.
(2) Settlement of B-share funds.
Securities customers can realize the liquidation and transfer of B-share funds between the headquarters and branches of securities companies through the fund settlement function of B-share.
(3) Domestic foreign exchange remittance
Customers of banks or non-bank financial institutions (except insurance companies) can conveniently and quickly realize real-time settlement of foreign currency funds with other enterprises in the ICBC system through the domestic foreign exchange remittance function, broaden the business scope and promote business development.
Collection business
Collection business is a boutique business in which charging enterprise customers actively collect various fees payable by contracted individuals or other authorized enterprise users in batches through ICBC online banking. The application procedure is simple, the charging method is flexible, and it can collect money from different places, which provides a timely, fast and efficient charging channel for charging customers, solves the problem of "difficult charging" that has been bothering charging customers, shortens the capital turnover cycle and accelerates the rapid withdrawal of funds.
The collection business consists of two parts: batch deduction enterprises and batch deduction individuals. If a charging enterprise wants to deduct money from a payment enterprise (individual), it must first sign a tripartite agreement with the bank, the charging enterprise and the payment enterprise (individual) to establish the corresponding deduction relationship. The method of establishing the corresponding relationship is generally provided by the charging enterprise to the bank, and the bank manually establishes it through the internal management system. For individual customers, you can also log in to ICBC's personal online banking, and individual customers can sign the agreement themselves.
Group financial management
The head office (parent company) of a group enterprise can directly and actively collect or allocate funds from all registered accounts of its subsidiaries to any registered account of the group enterprise without notifying its subsidiaries in advance. The directional remittance function enables enterprises to realize the transfer function between specific accounts without opening the foreign transfer authority.
Group financial instruction submission includes "one-by-one submission instruction" and "batch submission instruction". "Batch submission instructions" aims to meet the needs of customers to submit electronic payment instructions in batches, which can not only realize batch active payment to external or subsidiary company accounts, but also batch active collection to subsidiary company accounts, greatly reducing the workload of enterprise financial personnel and realizing real-time remittance of funds within bank working days.
Letter of credit business
Letter of credit refers to the bank's conditional payment commitment, that is, our bank (issuing bank) promises to pay or accept the third party (beneficiary) or its designee on the basis of the specified documents according to the applicant's requirements and instructions; Or authorize another bank to pay or accept; Or authorize another bank to negotiate.
The online banking L/C business provides a fast channel for our corporate online banking customers to handle L/C business, and realizes the functions of submitting import L/C opening and amendment applications to the bank through the network, self-service printing of irrevocable documentary L/C opening and amendment applications online, and online inquiry of import and export L/C. Online letter of credit business will greatly save your time and expenses in dealing with banks, improve work efficiency, and bring convenience for the Group headquarters to inquire about the letter of credit business of branches and meet the needs of customers' financial management.
Loan business/transaction
Loan business provides loan inquiry function for registered customers of corporate online banking, including sub-functions such as main account, principal and interest settlement and debit account inquiry. Through this business, you can accurately, timely and comprehensively understand the total amount of loans without leaving home, and provide detailed loan information such as loan amount, loan balance, value date, maturity date and interest, so as to provide data for enterprise financial pre-decision. In particular, the parent company of a group enterprise can conveniently query the loan accounts of all registered parent companies and subsidiaries.
Finance and investment
Investment and financial management is designed and developed by ICBC to meet the needs of enterprises to maximize capital efficiency and conduct scientific financial management. At present, investment and financial management includes four businesses: fund, national debt, notice deposit and agreement deposit.
fund
Investors only need to open a fund trading account and a TA fund account with the common card of e-banking client certificate, and register the common card of e-banking client certificate at the same time when registering our corporate online banking, so that they can conduct fund subscription, subscription and other services and inquire about the basic information of the fund through our online banking system. Online banking fund business includes fund transaction and fund inquiry.
(1) Fund trading business
Fund trading business includes fund subscription business, fund subscription business, fund redemption business, setting/canceling automatic reinvestment, revoking the application and approval instruction of the day.
(2) Fund inquiry business
Fund inquiry business includes fund code inquiry, fund unit net value inquiry, fund company information inquiry, fund account balance inquiry, fund subscription allocation inquiry, fund business confirmation inquiry and download inquiry, current transaction details inquiry, historical transaction details inquiry and other functions.
national debt
Investors only need to open a bond custody account with the common card of e-banking client certificate, and register the common card of e-banking client certificate at the same time when registering our corporate online banking, so that they can subscribe for bonds, trade bonds and inquire about the basic information of bonds, the latest price of bonds, the historical price of bonds, the balance of the client bond custody account, the details of the current day's transactions and the details of historical transactions through our online banking system.
Agreement deposit
Company agreement deposit refers to the deposit in which the enterprise and the bank sign an agreement deposit contract, stipulate the term and the amount of basic deposit reserved in their settlement account, and the bank pays interest on the deposit within the basic deposit amount according to the settlement date or withdrawal date at the deposit interest rate. And the deposit that exceeds the basic deposit amount pays interest according to the agreed deposit rate announced by the People's Bank of China on the settlement date or withdrawal date, which is higher than that of deposit interest rate and lower than the six-month fixed deposit rate.
Agreement deposit can not only ensure your normal payment business, but also bring you higher interest income. Online banking provides functions such as agreement deposit account opening, account information inquiry, agreement deposit cancellation, information inquiry and detailed income inquiry to help you handle agreement deposit business efficiently and quickly.
deposit at notice
Notice deposit refers to the deposit in which the depositor does not agree on the deposit period and needs to notify the bank in advance to agree on the withdrawal date and amount. Notice deposits are divided into one-day notice deposits and seven-day notice deposits according to the length of time that depositors give notice in advance. Different interest calculation methods are adopted according to different notice periods.
Online notice deposit has opened up another channel for you to handle notice deposit business quickly. You can easily complete the functions of notifying deposit account opening, notifying deposit notification/cancellation, inquiring account information, notifying deposit withdrawal, inquiring opening/withdrawal instructions, etc., without running back and forth between the company and the bank. Notice deposit provides you with a lot of opportunities to increase the value of idle funds.
VIP room
The VIP lounge is a series of functional combinations provided by ICBC for VIP customers to meet their special financial needs. We will provide high-quality, efficient and worry-free banking services for VIP enterprises through functions such as automatic collection, reservation service, balance reminder and enterprise finance office, so as to reduce the financial workload of customers, reduce the operating cost of funds, improve the efficiency of fund use, optimize business operation processes and help customers form a good fund operation model.
The VIP room service targets include all corporate customers registered in online banking, with a certain business scale, good business benefits and close cooperation with our bank. Ordinary customers can't use this function if they don't apply for VIP room service.
1. Accounting reminder
The bank sends the account balance information of multiple registered accounts designated by the group to the enterprise by e-mail on each bank working day, which is convenient for the group (head office) to know the financial status of its subsidiaries in time and strengthen the financial management of its subsidiaries.
2. Appointment service.
Appointment service refers to the function that an enterprise sends an appointment to ICBC through online banking, and the bank provides corresponding services according to the appointment requirements. Reservation service includes five functions: cash reservation, payment reservation, ticket inspection reservation and special reservation.
(1) Advance collection
Customers submit the instruction of collection reservation in online banking, and after being processed by the bank, they will collect money at home within the time specified by the customer, so that customers can easily complete large cash deposits without leaving home.
(2) Payment appointment
After the customer submits the payment reservation instruction in online banking, the bank will complete the payment at the time reserved by the customer, and the customer can check the implementation of the payment reservation on the online banking side.
(3) Check the air ticket booking.
Customers submit the demand for online check (including cash, transfer, remittance, wire transfer, money order, remittance, etc.). ), and the bank scans the tickets that customers want to check into electronic version, and then sends them to the mailbox designated by customers, which greatly facilitates the enterprise to check tickets and improves work efficiency.
(4) Special appointment
Customers submit some special appointments (such as audit appointments) through online banking. After being processed by the bank, the reservation service is completed according to the customer's requirements. Through special appointment, we can provide personalized service according to customer's requirements.
3. Automatic collection
According to the time and amount specified by you in advance, the bank will automatically transfer the funds from the branch account of the enterprise to the headquarters account, and can carry out different types of automatic collection according to the level you choose, such as regional fund collection/non-level, provincial fund collection, regional fund collection, national fund collection, etc., without the operation of enterprise financial personnel, which solves the problem of timely collection of funds of group (head office) companies very efficiently.
4. Corporate Finance Office
Through this function, VIP customers of corporate online banking can conduct business processing such as paying wages and reimbursement online. Customers can pay employees in the same city/off-site (including interbank/other bank accounts) through online banking, so as to realize real-time payment of bank accounts in the same city/off-site during bank working days.
Its functions include submitting instructions (batch/single transaction), inquiring instructions and replying instructions. The original complicated and tedious work can be completed online in one step, which greatly reduces the workload of enterprise financial personnel and improves work efficiency.
branch
According to the advantages of ICBC's numerous outlets, fast remittance of funds and powerful service means, ICBC's corporate online banking agency business currently provides customers with two ways of agency settlement cooperation, namely signing bills on behalf of customers and agency remittance.
1. Sign the draft on behalf of others.
Issuing bills of exchange on behalf of ICBC refers to the process that other commercial banks (including urban credit cooperatives and rural credit cooperatives) entrusted by ICBC use ICBC's vouchers, special stamps for bills of exchange and special machines to issue bank bills for their account-opening units or individuals, and ICBC pays them. Including deposit transfer entry and authorization, deposit transfer inquiry, batch deposit transfer and authorization, so that successful deposit transfer instructions can be placed on clues and downloaded and printed through the Internet without leaving home. The bill signing function can provide two billing methods: "cash" and "transfer".
4. Agent exchange.
Agent exchange refers to the function of the agent bank to handle the exchange business for customers through ICBC online banking and ICBC network platform. Include submission instruction and authorization, inquiry instruction, batch instruction and authorization.
Icbc messenger
ICBC Messenger (balance change reminder) service is a paid information value-added service provided by China Industrial and Commercial Bank for corporate customers. After an enterprise subscribes to the courier service of ICBC, our bank will notify its enterprise settlement account balance changes in real time by SMS through online transactions, self-service devices (ATM, POS, self-service terminals), online banking and telephone banking.