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Inter-bank capital account collection management method

A technology of fund collection and management methods, applied in the field of account collection management, can solve the problems that the group company cannot manage the accounts of subsidiaries in an effective and timely manner, so as to reduce operating costs and financial costs, reduce capital risks, and improve work efficiency. efficiency effect

Inactive Publication Date: 2010-12-08
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] The purpose of the present invention is to provide a collection and management method of cross-bank fund accounts, which solves the problem that the group company cannot manage the accounts of subsidiaries in an effective and timely manner

Method used

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Examples

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Effect test

Embodiment Construction

[0019] The present invention is realized in this way. The bank connects the external computer of the bank with the computer of the group company through the Internet or a dedicated line, and opens the data exchange standard interface of a specific account to the networked customers to ensure the safety of the communication between the group company and the bank. At the same time, the group company provides the bank and account of each subsidiary, and the bank uses DDN or ATM link to connect with each bank. Each bank of the subsidiary should provide or negotiate data exchange interface standards to realize the customer information exchange between the banks. , The group company can send transaction instructions to the bank and receive the execution of the transaction instructions. The transaction instructions include (1) the group company can view the basic information of the subsidiary; (2) single transfer: the group company transfers the account funds of the subsidiary Transfer...

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Abstract

The invention relates to an inter-bank capital account collection management method which is characterized in that the method comprises the following steps: leading a bank to carry out networking butt joint on an external computer of the bank and computers of a group company through the Internet or the dedicated line way, and opening a data exchange standard interface of a special account for networking clients, when the same level allows a plurality of office accountants, each transaction must be re-checked by all the levels of the office accountants and then is submitted to the bank for carrying out account treatment, when the transaction amount exceeds the maximum process limit, the transaction needs to be submitted to a chief accountant for approval, and the chief accountant is the final approval level. The method has the advantages of reducing the operating cost and the financial cost, improving the using efficiency of capital, centralizing the account capital management of all subsidiaries, reducing the capital risk, ensuring the reasonable distribution of the capital and improving the working efficiency.

Description

Technical field [0001] The invention relates to an account collection management method, in particular to an inter-bank capital account collection management method. Background technique [0002] With the rapid economic development, more and more group companies have established subsidiaries in multiple banks across the country. In order to manage the accounting status of each subsidiary in a timely and effective manner, group companies need banks to provide real-time accounting data for the head office Query and management. At present, the group company still adopts the method of actively going to the bank to check the accounts, which requires a lot of financial personnel, which is not only inefficient, but also wastes valuable time. It is unable to deal with the discovered accounting problems in time and delays the best time for accounting problems. . Summary of the invention [0003] The purpose of the present invention is to provide a cross-bank capital account collection ma...

Claims

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Application Information

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IPC IPC(8): G06Q10/00G06Q40/00G06Q10/06G06Q40/02
Inventor 王桂君蒋康敏许兴周梅红
Owner CHINA CONSTRUCTION BANK
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