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Fund concentration

As the centralized fund management platform of the group company, the financial company assists the group company to complete the goal of centralized fund management in an all-round way, adheres to the principle of meeting the needs of customers, constantly improves the financial service management framework, promotes the centralized fund management in a solid way, and plays the role of the financial company as a platform. At present, the fund concentration work is based on the account authorization networking within the scope of the Cooperative Bank of the group company, and the account networking mode mainly includes proportion collection and query authorization.

The proportional collection mode refers to the collection mode in which the fund system of the financial company automatically collects (i.e. transfer deposit) the funds from the authorized online bank account of the relevant unit to its account in the financial company at the specified collection time point according to the specified collection proportion. This mode is aimed at the basic accounts and general accounts of all cooperative banks of the domestic consolidated statement units of all levels of the group company. The inquiry authorization mode refers to that the enterprise authorizes the financial company to query the fund balance of the authorized online bank account of the relevant units. This mode is aimed at all kinds of special accounts in all cooperative banks of the consolidated statement units registered in China at all levels of the group company.

In order to implement the spirit of relevant documents on capital concentration of the group company, comprehensively complete the work objectives of fund centralized management of the group company, implement the work of clearing bank accounts and handling bank account authorization networking, facilitate the work of various units, improve the work efficiency and quality, and clarify the work process and requirements, the working principles, work requirements, handling procedures, and management procedures of fund concentration of the group company are summarized The collection methods are as follows:

Working principle of fund concentration

(1) The principle of three rights unchanged

To ensure that units at all levels deposit in financial companies Ownership, usufruct and usufruct remain unchanged

(2) Three principles

Units at all levels of the group company are not classified into different levels, regardless of size. In addition to specific policy requirements for individual bank accounts, other bank accounts shall Full networking, full authorization and full collection

 

Account networking process

(1) General financial settlement company

In order to realize the fund centralization and authorization networking, the consolidated statement units registered in China at all levels of the group company shall open a general settlement account in the financial company (please refer to the relevant download section of the website for details of account opening information)

(2) Online account authorization

All domestic bank deposit accounts opened within the scope of cooperative banks of the group company, including basic accounts, general accounts and special accounts, shall go through the authorized networking procedures of bank accounts with the finance company (please refer to the relevant download section of the website for the list of authorized online information and the handling process of each cooperative bank.) Due to technical reasons, the bank accounts opened in the China Development Bank and the Export Import Bank of China do not need to be authorized for networking.

1. Basic account, general account, etc

This kind of bank account should handle the function of "authorization inquiry + authorized transfer", that is, proportional collection authorization.

2. Foreign currency account

For the general foreign currency account under current account, the function of "authorized inquiry + authorized transfer" should be handled, that is, the authorization of proportional collection; The foreign currency account to be verified under the current account and the foreign currency bank account under the capital account shall be subject to the "authorized inquiry" function. The fund concentration of foreign currency bank accounts under capital account shall be notified separately when conditions are met.

3. Special account

For the special account approved by the competent examination and approval unit, such bank account shall handle the "inquiry" function. When handling the special account authorization networking, in addition to providing the relevant forms required by the bank, it is also necessary to provide the certificate of the special account.

(3) Add financial company system

After receiving the authorized online information of bank accounts of each unit, the financial company shall review and process the relevant forms

The information provided by the unit is incorrect

Inform relevant enterprises to provide supplementary information by telephone or through wechat group of centralized fund work.

The information provided by the unit is correct

The relevant information will be mailed to the cooperative bank within 2 working days, and the bank processing time will be about 2 to 3 weeks. The company's financial account can be added to the company's online banking system for fund collection.

 

Fund collection method

(1) Form of fund collection

The capital concentration mode of the group company is mainly the proportion collection mode. The proportional collection mode refers to the collection mode in which the fund system of a financial company automatically collects (i.e. transfer deposit) the funds from the authorized online bank account of the relevant unit to its account in the financial company according to the specified collection proportion at the specified collection time point.

(2) Fund collection time

The collection time of RMB capital system of financial company starts at 17:30 of each working day; The collection time of foreign currency fund system starts at 17:30 every Tuesday and Friday.

(3) Fund collection ratio

At present, according to the requirements of the working document on fund concentration of the group company, the fund collection ratio of RMB account and foreign currency account is 85%.

(4) Calculation formula of fund collection

Authorized proportion collection amount of current day collection account =Total amount to be collected on that day * proportion of account funds

Proportion of account funds =Deposit balance of the account / total balance of all authorized collection accounts of the enterprise)

Total amount to be collected on that day =(total deposits of financial companies + total deposits of bank accounts authorized by proportional Collection) * 85% - total current deposits of financial companies

Total deposits of financial companies =Deposit balance of general settlement account of financial company + deposit balance of bank account collected by group account mode + notional and fixed deposit balance of financial company

Special attention should be paid to the calculation of the system on that day Total amount collected on that day When it is 0 or negative, that is, after the member company's deposits reach 85% of the sum of all the authorized bank deposits and the total deposits of the financial company, all the bank accounts of the enterprise that have handled the proportional collection will not be collected on that day. In addition, in the measurement system Amount collected on the day of authorized account If it is less than 500000 yuan, the account will not be collected on the same day.

For example, the financial company deposits and authorized online accounts of a member company are as follows (unit: 10000 yuan)

Financial company account part

Online account part

Financial company account

amount of money

bank account

Bank account balance

Authorization status

General settlement account

one hundred

A

one thousand

Proportion collection

Call deposit

two hundred

B

fifty

Proportion collection

Time deposit

four hundred

C

two thousand

query

According to the fund collection calculation formula:

Total deposits of financial companies 7 million yuan (100 + 200 + 400 = 700);

Total amount to be collected on that day 7.875 million yuan ((700 + 1000 + 50) * 85% - 700 = 787.50); Account C is the authorized inquiry account, so the balance of account C is not included in the calculation scope);

Proportion of account funds 95 (1000 / (1000 + 50) = 0.95) for a account and 0.05 (50 / (1000 + 100) = 0.05) for account B.

Authorized proportion collection Current account a 7.4813 million yuan (787.50 * 0.95 = 748.13); Authorized proportion collection Current day collection amount of account B It was 393700 yuan (787.50 * 0.05 = 39.37). As the system calculates that the amount of account B collected on that day is less than 500000 yuan, account B will not be collected on that day. Therefore, on that day, only account a of the member company was collected, and the amount of RMB 7.4813 million was collected to the general account of its financial company.

 

Application for suspension of collection of special matters

In case of repayment of loans, payment of social security, taxes, etc., an application for suspension of fund collection can be submitted to the financial company (please refer to the relevant download section of the webpage for the application form of suspension of fund collection) After verification, the authorized online account can be temporarily collected according to the amount and time of application. Such suspension of collection time shall not exceed 5 working days. If an enterprise needs to apply for long-term suspension of collection, it shall first submit an application to the subordinate unit, and the financial company can handle it after the approval of the directly subordinate unit.

 

Scope of cooperative banks of group companies

The cooperative banks of the group include China Development Bank, Export Import Bank of China, industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of communications, China CITIC Bank, China Merchants Bank, Everbright Bank, Minsheng Bank, Shanghai Pudong Development Bank, industrial bank, bank of Beijing, Huaxia Bank, Ping An Bank and Guiyang bank.

 

Due to technical reasons, the bank accounts opened in the China Development Bank and the Export Import Bank of China do not need to be authorized for networking.