1. Banks accept discount business.
First, the holder applies to the bank for discounting the bank acceptance bill, and the account manager of the bank marketing position decides whether to accept the holder's business application according to the business type proposed by the holder and his own discounting business policy;
Then the account manager of the bank makes a business quotation to the customer according to the business type, term, face value of the holder and the relevant business interest rate stipulated by the bank. After the holder accepts the business quotation, the bank formally accepts the business and informs the holder of all the materials needed to handle the business.
Three, the bank clearing post to check the authenticity of the bill, after verification, notify the discount enterprise, with the information needed for discount and endorsement and acceptance of the bill to handle business.
Second, the declaration of funds
The bank account manager estimates the business fund demand and declares the reserved funds to the fund operation department in advance.
The bill review post reviews the face value of discounted bills. After the audit, inform the account manager of the defects and refund of the bill in time, and the account manager is responsible for communicating with the customer to discuss whether to issue instructions on the defective bill. The bill review post shall sign the approval form.
Three. Review of bill transaction documents
The risk audit post examines bill transaction documents and materials, and inquires about enterprise loan cards. After the inquiry is completed, the account manager shall be informed of the defects of the documentary information of the bill and the refund situation in time, and the account manager shall be responsible for communicating with the customer to discuss the treatment methods of the defects of the documentary information. The risk audit post shall sign the approval form.
Four, data entry, discount voucher making
The account manager enters the discount business data in the bill business system and prints the discount voucher.
Verb (abbreviation for verb) Check the interest and calculate the actual transfer amount.
After excluding the bills that can't be discounted due to the factors of face value and document information, the bill review post will review the interest of the remaining bills according to the transaction documents and the application approval form signed by the authorizer, and calculate the actual transfer amount of the business if the bill discount voucher is qualified. The bill review post shall sign the approval form.
Sixth, sign and approve.
The account manager will submit the completed application approval form to the authorized approver or the highest approver for approval.
Seven. Seal of contract
The account manager fills in the stamp form, and submits the completed discount agreement and the signed application approval form to the risk review post for stamp.
Eight. Payment process
The account manager shall submit the fund transfer post together with the discount agreement according to the completed and finally signed application approval form, and the fund transfer post shall fill in the fund transfer notice according to the account name, bank and account number in the transaction contract and the actual transfer amount on the application approval form.
Nine, the bill audit post to recover the bill receipt stamped with the transfer seal from the customer, and the clearing post fills in the accounting voucher according to the notice of fund transfer and transfers the funds to the customer.
After the business is completed, the account manager will hand over the fourth copy of the discount voucher stamped with the transfer seal and a completed transaction contract to the customer.
X. Credit account registration
After the business is completed, the risk audit post is responsible for the registration of the credit account and the write-off after receiving the due funds.