Yun Xin's acceptance is relatively reliable, and the risk is similar to that of commercial acceptance bills. At present, there is a new payment method "Yun Xin" in Internet finance, which is essentially equivalent to electronic commercial acceptance.
Just give a virtual credit line through the software, and transfer it through the system endorsement when paying. The longest payment date is 1 year. In the process of endorsement and transfer,
If the enterprise receiving the bill needs financing, it needs to pay the discount fee and handling fee to the finance company, and the finance company applies to the issuer for payment, which is essentially the same as acceptance of electronic commerce.
How to borrow the invoice loan from Tianjin Jincheng Bank?
The invoice loan of Tianjin Jincheng Bank directly uses your invoice as your real estate assets for loans, and will quickly approve individual loan applications.
Third, is the invoice loan reliable?
That is, financial institutions use the invoice data of enterprises as credit information to make loans, and the invoice data of enterprises is a more credible credit information means than the bank flow of enterprises. The invoicing machine number is the number of the invoicing machine. Invoice refers to the business vouchers issued and collected by all units and individuals in buying and selling goods, providing or receiving services and engaging in other business activities. It is the original basis of accounting. Invoice loan: Based on the powerful aerospace information platform of Nuo Nuo Financial Services, the bank and customers are connected online, and the loan is verified with the help of big data according to the objective and true VAT invoice data between the borrower and a number of qualified buyer enterprises. Product features: 1, no guarantee, no mortgage, enterprises only need to use VAT invoice data to obtain financing; 2. The interest is calculated on a daily basis, and you can borrow it for one day without interest, and you can borrow it for one day without it; 3. The information procedure is simple, the examination and approval procedure is simple, and only the basic information of the enterprise is provided; The credit factory and the online finance department of the head office have high efficiency. 4. The credit line is as high as100000. Pratt & Whitney Invoice Loan: The enterprise has been established for more than 2 years, with a continuous record of 18 months, and the maximum application can be 3 million. Industry invoice loan: the enterprise has been established for more than 3 years, and has cooperated with the designated buyer for 2 years (at least 1 company for 3 years), and the maximum application can be 65440. 1. Domestic invoice financing refers to short-term loans provided by banks to domestic sellers (borrowers) with invoices generated in domestic commodity transactions as vouchers and accounts receivable corresponding to invoices as the primary repayment source, without transferring the creditor's rights of accounts receivable. Handling domestic invoice financing must be based on true and legal transactions and the relationship between creditor's rights and debts. Two. Characteristics (1) The financing amount should be reasonably determined by comprehensively considering the credit status, quality, structure, term, payment schedule and preconditions, expected bad debt rate, performance of obligations agreed in the purchase and sale contract, breach of contract and liquidated damages of both parties. The actual invoice amount refers to the balance of the invoice amount after deducting the payment paid by the seller. (2) The financing period is determined according to the repayment period of accounts receivable, reasonable time in transit and other factors, and the maturity date of financing shall not be later than 65,438+0 months after the repayment date of accounts receivable agreed by the buyer and the seller. (3) The financing interest rate shall be reasonably determined on the basis of the benchmark interest rate for loans of the same term and grade stipulated by the People's Bank of China according to the operational risks.
4. Are there any banks in China that can use invoices for loans?
Yes, the enterprise can issue more than 6 million invoices for half a year, and the specific details can be discussed privately.