Corporate Banking

Cash Management Products

(I) Fund Supervision Account Management

1. Product Definition

It means that the Bank helps institutional clients to build reasonable account system through cash management system, in order to control and supervise internal capital situation instantly and achieve capital supervision to particular supervised bodies.

2. Product Features

◆Meet institutional clients’ demand to inquire account balance and transaction details via multiple channels, enabling them to control the changes of capital and achieving effective supervision.

◆Featured capital supervision includes the supervision of special fund for residence maintenance, fund from presale of commodity housing, transaction fund of stock housing, salaries of migrant workers, security deposit for the quality of housing and fund subject to capital verification by the industry and commerce administrative departments.

3. Target Customers

Institutional clients with the need to supervise capital in account.

(II) Capital Pool (Settlement Center/Group Service)

1. Product Definition

Based on the Bank’s advanced core business system, it enables internal members to share capital, information and relevant resources, improves efficiency, reduces cost and risk for capital usage by setting authorization of various unit accounts and aggregating internal capital instantly.

2. Product Features

◆Create capital pool according to the demand of institutional clients, realize capital and information sharing and overall arrangement between the accounts of clients and its subordinate organizations.

◆Enable functions such as capital pool enquiry, quota management of capital pool and overdraft account management of capital pool.

3. Target Customers

Quasi group clients that have multi-layer subordinated organizations and need to manage such organizations vertically.

(III) Overdraft of Legal Person Account

1. Product Definition

It means that the Bank, upon application by client, when its balance in settlement account is not sufficient to pay, acquires financing under evaluated overdraft line, thus securing the payment. The overdraft shall be made during the day and repaid by the end of the day, meeting clients’ need for short term financing and settlement facilities.

2. Product Features

◆Convenient short term financing tool offered by the Bank.

◆Meet institutional clients’ short term, frequent, small amount and temporary capital needs in daily operation; effectively simplify the procedure of short term financing, reduce idle capital and transaction cost and improve capital usage efficiency.

3. Target Customers

Institutional clients that have good reputation, normal business operation, formal financial management, own large balance or settlement amount in basic or general saving account of the Bank but limited financing, need temporary financing or general cash management service.   

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