First, information registration.
Enterprise customers can log in to the bill pool system of CCB, input or import the information of holding bills, upload or query the image information of physical bills, which breaks the limitation of only querying electronic bill information in the past, realizes the effective integration of paper bill information and electronic bill information, and ensures the comprehensiveness and integrity of bill information.
Second, entrusted management.
Corporate customers can entrust CCB to provide services such as bill custody and subsequent withdrawal, entrusted collection, endorsement transfer and discount. The entrusted management of paper bills provides three modes: local storage, decentralized temporary storage and centralized storage, which greatly reduces the risk and cost of paper bills storage, realizes the outsourcing and specialization of commercial bills management, and makes paper bills electronic and intelligent.
Third, pledge financing.
Customers can pledge the bills entrusted to CCB to generate a certain amount of financing, and handle domestic guarantees, newly opened bank acceptance bills, letters of credit, working capital loans and other financing businesses within the limit, so as to revitalize the funds occupied by the existing bills, realize the pledge refinancing of bulk commercial bills, and solve the problems such as the mismatch of quotas and maturities.
Features of bill pool:
1. Provide intensive and whole-process management of various bills.
Customers can bring paper bills and electronic bills into the centralized management of the bill pool at the same time, improve the circulation efficiency of paper bills and electronic bills, give full play to the advantages of electronic bills such as safety, convenience and efficiency, and reduce labor and financial costs.
The bill pool function covers bill collection and payment, custody, pledge, discount, collection and other businesses. Help customers realize bill life cycle management and effectively improve financial and business efficiency.
2. bills are dynamically pledged, and the amount is enjoyed by the group.
Group customer headquarters and member companies * * * can enjoy the guarantee line formed by pledged bills in the pool, thus realizing the optimal allocation of bill resources within the group.
3. Provide a variety of pledge financing business types.
With the support of the dynamic pledge amount of bill pool, new bank acceptance bills can be opened and pledged loans can be applied to meet the flexible and diverse financing needs of customers and improve the utilization rate of bills.
4. Provide online financing quotation to reduce the financing cost of customers.
Customers can apply for financing business through corporate online banking, and the pledged loan will be repaid with the loan. After repayment, the guaranteed amount of the bill pool will be recovered in real time and recycled, reducing the interest expenses of customers.