Target Structure Of Centralized Fund Management

1, in the flow of funds, the implementation of the "cash flow and two lines" capital pfer mechanism requires members to open their income accounts and expenditure accounts on the basis of the existing bank accounts cleared by the banks designated by the group companies. In principle, revenue accounts and expenditure accounts are one, and there are special needs, for example, there are foreign exchange funds in the income account. According to the demand for settlement of foreign exchange business, two income accounts can be opened. The structure of the expenditure accounts is more complicated, including special accounts for payment of insurance premiums, special accounts for payment of wages, and so on.

Income accounts can only be used for capital income, and can not be paid for external funds. Expenditure accounts can only be used.

External payment can not be used for capital income.

2, in the management approach, the implementation of the "daily centralized, monthly monthly plan allocated, independent external payment" fund management mode, according to the different commercial banks of different product functions, group company

The three party account authorization agreement is signed between the member unit and the commercial bank, and the daily account of the daily account is collected to the settlement center.

In order to form a pool of funds, the member units will report the next month's capital plan according to the monthly report and check and approve the settlement center. After that, the amount of the appropriation will be approved. The members will be asked to pay the money at the designated time. The settlement center will be allocated to the member unit's expenditure account through the bank enterprise direct connection system, and the external payment of the unit will be handled by the member unit.

3, in the implementation of the means, the implementation of the "bank and enterprise direct +ERP fund management system" integration mode, through the screening comparison, determine the cooperative commercial banks, respectively signed the bank enterprise cooperation agreement, bank and enterprise direct access agreement, cash management agreement and bank account authorization, through the software manufacturer's capital management products and the existing ERP system financial accounting module integration, form the integration of capital management and financial accounting management, the main functions of the fund management system include: fund collection and allocation, capital plan, internal credit and internal loan, bill management, basically meet the needs of centralized management of daily funds.

Through more than half a year's efforts, the settlement center has changed from scratch to centralized management of funds from chaos to order, and has achieved a qualitative pformation. The future work is still a long way to go.

1, improve the number of banks directly connected to banks and enterprises. On the basis of consulting the opinions of member units, we need to make necessary adjustments to the existing banks and enterprises directly linked banks, so that the current direct business between banks and enterprises can meet the actual business needs of member units.

2, the internal loan business will promote and drive the concentration of deposit business, make use of the advantages of group company's capital resources, satisfy the loan financing needs of member units to the maximum, and gradually realize the concentration of financing business.

3, set up quantitative indicators for business processes and services and publicized them to member units to further improve the efficiency and service satisfaction of settlement centers.