What are the functions of corporate online banking?

Corporate online banking is suitable for the majority of small and medium-sized enterprise customers who need to know their account and financial information in real time without involving fund transfers in and out. After customers activate corporate telephone banking or apply for corporate ordinary card certificates at ICBC outlets, they can register for the popular version of corporate online banking at the counter or online. Customers can log in to the popular version of corporate online banking with their ordinary card certificate number and password to obtain basic online banking services. \x0d\\x0d\Account Management\x0d\Account management refers to a series of account services such as account information inquiry, downloading and maintenance for customers through online banking. Whether you are a group enterprise or a small and medium-sized enterprise, you can check the balances and details of various accounts of the head office (parent) company and branches (subsidiaries) at any time, and understand and monitor the company's internal fund situation in real time; you can also use the "electronic receipt" ” function enables online self-service inquiry or printing of electronic supplementary receipts from clients. Account management provides a strong guarantee for you to achieve intensive and modern management. \x0d\\x0d\Payment business\x0d\The payment business includes four major and leading businesses: online remittance, securities registration company fund clearing, e-commerce and foreign exchange remittance. It is the product of the combination of traditional business model and modern e-commerce model. ICBC has carefully designed a complete set of payment solutions to meet the payment needs of various corporate customers. \x0d\⒈ Online remittance\x0d\ The head office (parent) company of the group enterprise can transfer funds from its account through electronic payment instructions to achieve intra-city or remote transfers with other units (you can open an account in any domestic bank) Fund settlement enables the company to easily complete daily settlement business without leaving home. \x0d\Online remittance provides you with a variety of payment modes. You can uniformly design payment modes for external transfers or directed remittances according to the management needs within the group. Through the security authorization and control plan you design, various aspects of financial management can be realized. kind of requirement. Using the convenient batch instruction processing method of online remittance and China's leading settlement network will make your business even more powerful. \x0d\⒉ Securities Registration Company Fund Clearing\x0d\ Securities company customers can use the "Securities Registration Company Fund Clearing" function to transfer funds to the clearing account designated by the securities registration company and inquire about relevant information. It includes four functions: submitting instructions, querying instructions, querying securities registration company clearing account information, and authorizing instructions. \x0d\⒊ E-commerce\x0d\B2B online payment is a safe, fast and convenient online payment intermediary service provided by ICBC specifically for sellers and buyers in e-commerce activities. The ICBC B2B online payment platform integrates sellers and buyers in e-commerce activities. The connection provides B2B special merchants and online purchasing companies with advanced and fast capital flow channels, breaking time and space constraints, improving transaction efficiency and reducing transaction costs. \x0d\When purchasing enterprises place orders or purchases at any of ICBC's B2B special merchants, ICBC provides you with two payment methods. One is to complete the payment for the generated order directly on the special website, and the other is to log in to ICBC Enterprise. After online banking, manually input the obtained order information through the e-commerce function for payment. After the payment is completed, B2B special merchants and purchasing companies can obtain detailed transaction information through functions such as transaction instruction query, so as to master and monitor the entire transaction process. \x0d\⒋ Foreign exchange remittance \x0d\ Foreign exchange remittance is a business provided to corporate customers for intra-city/remote fund transfer and settlement of foreign currency accounts through corporate online banking. ICBC is the first domestic bank to implement online foreign exchange remittance function, and has divided the functions in a targeted manner according to different customers. You can realize the transfer and settlement of foreign exchange funds through specific functions according to your needs. \x0d\⑴ Group Fund Allocation\x0d\ Group customers can use the group fund allocation function to make two-way allocation of foreign currency funds within the group between upper and lower levels, so as to monitor the operation of foreign currency funds of each branch and uniformly dispatch the foreign currency funds of the entire group. management purposes. \x0d\⑵ B-share fund clearing\x0d\ Securities customers can use the B-share fund clearing function to realize the clearing and transfer of B-share funds between the headquarters and branches of securities companies. \x0d\⑶ Domestic foreign exchange remittance \x0d\ Customers of banks or non-bank financial institutions (except insurance companies) can conveniently and quickly achieve real-time settlement of foreign currency funds with other corporate units within the ICBC system through the domestic foreign exchange remittance function, thereby broadening the scope of own business processing scope and promote the development of its own business.

\x0d\\x0d\Collection business\x0d\Collection business is a high-quality business for charging corporate customers to actively collect various fees payable by contracted individuals or other authorized corporate users in batches through ICBC online banking. It has simple application procedures, flexible charging methods, and can collect money in different places. It provides charging customers with a timely, fast and efficient charging "channel", solves the "difficulty in charging" problem that has been plaguing charging customers, and shortens the capital turnover cycle. , speeding up the rapid withdrawal of funds. \x0d\The collection business consists of two parts: batch deductions for enterprises and batch deductions for individuals. If a charging enterprise wants to deduct money from a paying enterprise (individual), it must first sign an agreement with the bank, the charging enterprise, and the paying enterprise (individual). The three parties reach an agreement and establish a deduction corresponding relationship. The method of establishing the corresponding relationship is generally provided by the charging enterprise to the bank, and is manually established by the bank through the internal management system. For individual customers, they can also sign an agreement by themselves by logging into ICBC Personal Online Banking. \x0d\\x0d\Group Financial Management\x0d\The head office (parent) of a group enterprise can directly receive or transfer funds to any registered account of the group enterprise directly from the accounts of all registered branches (subsidiaries) without prior notice. Notify its branches (subsidiaries). The targeted remittance function allows enterprises to transfer funds between specific accounts without opening external transfer permissions. \x0d\ Group financial management instruction submission includes two methods: "instruction submission one by one" and "batch instruction submission". "Batch instruction submission" is designed to meet the needs of customers to submit electronic payment instructions in batches. It can not only realize batch active external or branch (subsidiary) company account payments, but also batch active collection of payments from branch (subsidiary) company accounts. , which can greatly reduce the workload of corporate financial personnel and realize real-time transfer of funds within bank working days. \x0d\\x0d\Letter of Credit Business\x0d\Letter of Credit refers to a bank’s conditional payment commitment, that is, our bank (the issuing bank) promises, in accordance with the requirements and instructions of the applicant to issue the L/C, that under the condition that the terms of the L/C are complied with, With the specified documents, make payment or acceptance to a third party (beneficiary) or its designee; or authorize another bank to make the payment or acceptance; or authorize another bank to negotiate. \x0d\The online banking letter of credit business provides our bank's corporate online banking customers with a channel to quickly handle the letter of credit business. It enables submission of import letter certificate issuance and modification applications to the bank through the Internet, and online self-service printing of "Irrevocable Documentation" "Application for Letter of Credit Issuance" and "Application for Letter of Credit Modification", as well as online inquiry for import and export letters of credit. Online letter of credit business will greatly save your time and expenses in going to and from the bank, improve work efficiency, and also bring convenience to the group headquarters to inquire about the letter of credit business status of branches, meeting the financial management needs of customers. \x0d\\x0d\Loan business\x0d\The loan business provides loan inquiry functions to registered customers of corporate online banking, including sub-functions such as main account, interest and principal clearance, and IOU account inquiry. Through this business, you can accurately, timely and comprehensively understand the overall loan situation without leaving home, and provide more detailed loan information such as loan amount, loan balance, interest date, expiration date, interest, etc., which provides corporate finance Provide data for pre-decision making. In particular, it is convenient for the group enterprise’s head office (parent) company to inquire about the loan accounts of all registered head office (parent) companies and branches (subsidiaries). \x0d\\x0d\Investment and Financial Management\x0d\Investment and Financial Management is designed and developed by ICBC to meet the needs of enterprises in pursuit of maximizing capital benefits and scientific financial management. Investment and financial management currently include four businesses: funds, treasury bonds, call deposits and agreement deposits. \x0d\\x0d\Fund\x0d\ Investors only need to use the electronic banking customer certificate ordinary card to open a fund trading account and TA fund account, and register the pair of electronic banking customer certificate ordinary cards at the same time when registering for our corporate online banking , you can carry out fund subscription, subscription and other services as well as basic fund information inquiry and other functions through our bank's online banking system. Online banking fund business includes fund transactions and fund inquiries. \x0d\⑴ Fund trading business\x0d\ Fund trading business includes fund subscription business, fund subscription business, fund redemption business, setting/cancelling automatic reinvestment, canceling same-day application and approval instructions and other functions.

\x0d\⑵ Fund inquiry business\x0d\ Fund inquiry business includes inquiry of fund code, inquiry of net value of fund units, inquiry of fund company information, inquiry of fund account balance, inquiry of fund account balance, inquiry of fund subscription number, and fund business confirmation Functions such as querying and downloading, querying transaction details of the day, and querying historical transaction details. \x0d\\x0d\Treasury Bond\x0d\ Investors only need to use the electronic banking customer certificate ordinary card to open a bond custody account, and when registering for our corporate online banking, register the electronic banking customer certificate ordinary card at the same time, and then use our electronic banking customer certificate ordinary card. The bank's online banking system is used for bond subscription, bond buying and selling, and for querying basic bond information, latest bond prices, historical bond prices, customer bond custody account balances, transaction details of the day, historical transaction details and other information. \x0d\\x0d\Agreement deposit\x0d\Unit agreement deposit refers to an "agreement deposit contract" signed by an enterprise and a bank, agreeing on a time limit and a basic deposit limit to be retained in its settlement account. The bank will charge deposits within the basic deposit limit according to Interest will be calculated on the demand deposit rate on the interest settlement date or withdrawal date. For deposits exceeding the basic deposit limit, interest will be paid based on the agreed deposit rate announced by the People's Bank of China on the interest settlement date or withdrawal date, which is higher than the demand deposit interest rate and lower than the six-month time deposit interest rate. kind of deposit. \x0d\In addition to ensuring your normal payment business, agreement deposits can also bring you higher interest income. Online banking provides functions such as agreement deposit opening, account information inquiry, agreement deposit cancellation, information inquiry, and detailed income inquiry to help you handle agreement deposit business efficiently and quickly. \x0d\\x0d\Notice deposit\x0d\Notice deposit refers to a deposit in which the depositor does not agree on the deposit period when depositing the money. When withdrawing the money, he must notify the bank in advance and agree on the deposit withdrawal date and amount before he can withdraw it. Notice deposits are divided into two types: one-day notice deposits and seven-day notice deposits based on the length of advance notice given by the depositor. Different interest calculation methods are used depending on the notice period. \x0d\Online call deposit opens up another channel for you to quickly handle call deposit business. You can easily complete call deposit opening, call/cancel call deposit, account information inquiry, and notification without going back and forth between the company and the bank. Deposit withdrawal and issuance/withdrawal instruction inquiry and other functions. Notice deposits provide you with the opportunity to increase the value of your large idle funds. \x0d\\x0d\VIP Room\x0d\VIP Room is specially provided for VIP customers of ICBC to meet the special financial needs of VIP customers through a series of functional combinations, including automatic collection, appointment services, balance reminders, corporate finance rooms and other functions. , providing VIP enterprises with high-quality, efficient and worry-free banking services, thereby reducing customers' financial workload, reducing capital operation costs, improving capital utilization efficiency, optimizing business operation processes, and assisting customers in forming a good capital operation model. \x0d\VIP room service objects include all corporate customers registered in online banking who have a certain business scale, good operating benefits, and close cooperative relations among our bank's corporate customers. General customers cannot use this function if they have not applied for VIP room service. \x0d\⒈ Account Reminder\x0d\ Our bank will send the account balance over-limit information of several registered accounts designated by the group to the enterprise through email on every banking working day, so as to facilitate the group (head office) to understand the financial affairs of the subordinate companies in a timely manner status and strengthen the financial management of subordinate companies. \x0d\⒉ Reservation Service \x0d\ Reservation service refers to a function in which enterprises send the reservation contents to ICBC through online banking, and the bank provides corresponding services according to the reservation requirements. The reservation service includes five functions: cash reservation, collection reservation, payment reservation, ticket inspection reservation, and special reservation. \x0d\⑴ Collection Appointment\x0d\ Customers submit payment appointment instructions in online banking. After the bank processes them, they will come to collect money within the customer's designated time, allowing customers to easily complete large cash deposits without leaving home. \x0d\⑵ Payment Appointment\x0d\ After the customer submits the payment appointment instruction in online banking, the bank will complete the payment at the time scheduled by the customer. The customer can check the execution status of the payment appointment on the online banking terminal. \x0d\⑶ Ticket Inquiry Appointment\x0d\ Customers submit their ticket inquiry requirements online (note types include: cash, transfer, letter transfer, wire transfer, money order, exchange, etc.), and the bank scans the ticket the customer wants to inquire into an electronic version. Then it is sent to the email mailbox designated by the customer, which greatly facilitates the company's inquiry of tickets and improves work efficiency. \x0d\⑷ Special appointments \x0d\ Customers submit some special appointments (such as audit appointments) through online banking.

After being processed by the bank, the reservation service will be completed according to the customer's requirements. Through special reservations, our bank can provide customers with personalized services according to their requirements. \x0d\⒊ Automatic collection\x0d\The bank will automatically transfer funds from the corporate branch account to the headquarters account according to the time and amount specified by you in advance, and can also collect funds within the region according to the level you choose. Different types of automatic collections, such as level, provincial fund collection, regional fund collection, and nationwide fund collection, do not require corporate financial personnel to operate, and very efficiently solve the problem of group (head office) company funds being collected on time. . \x0d\⒋ Corporate Finance Office \x0d\VIP customers of corporate online banking can use this function to process wages, reimbursement and other services online. Customers can use online banking to pay wages to employees in the same city/remote place (including accounts from the same bank/other bank), and realize real-time payment to the bank's accounts in the same city/remote place during bank working days. \x0d\ Its functions include submitting instructions (batch/single), querying instructions, and replying instructions. The original complex and tedious work can be completed online in one step, greatly reducing the workload of corporate financial personnel and improving work efficiency. \x0d\\x0d\Agency Bank\x0d\Based on ICBC's advantages of numerous outlets, rapid fund transfers, and powerful service methods, ICBC's corporate online banking agency business currently provides customers with two agency settlement cooperation methods, namely draft signing. Exchange with an agent. \x0d\⒈ Signing a bill of exchange\x0d\ Signing a bill of exchange means that other commercial banks (including urban credit cooperatives and rural credit cooperatives) entrusted by ICBC use ICBC's vouchers, special stamps for bills of exchange, and special machines to open accounts for them. The process in which an organization or individual issues a bank draft and has it cashed by ICBC. Including transfer entry and authorization, transfer inquiry, batch transfer and authorization, it is possible to deposit and download and print the successfully transferred money order instructions online without leaving home. The draft signing function can provide two draft methods: "cash" and "transfer". \x0d\⒉ Agency exchange\x0d\Agency exchange refers to the function of an agent bank handling exchange business for our customers through ICBC online banking and taking advantage of ICBC's network platform. Including submission instructions and authorization, query instructions, batch instructions and authorization. \x0d\\x0d\ICBC Messenger\x0d\ICBC Messenger (balance change reminder) service is a paid information value-added service provided by our bank to corporate customers. After an enterprise customizes ICBC Messenger service, our bank will notify the balance changes in its corporate accounts in real time via SMS, whether through online transactions, self-service equipment (ATM, POS, self-service terminals) or through online banking and telephone banking.