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Home > Corporate Business > Transaction Banking > Cash Management > Investment and Financing Management
发布时间:2015-02-12
(I) All-in-one account for fixed deposit of organizations provides the clients with the function to manage several fixed deposits of the organization through one fixed account.
1. Product introduction
It is a liability product for the organizations and has the function of managing several fixed deposits through one account (master account).
2. Product function
(1) One master account and several sub-deposits.
(2) To meet the needs of clients to deposit and withdraw fixed deposits through self-service channels.
(3) In the case of not opening a settlement account, the money transferred from other banks can be received and transferred to a fixed deposit directly.
(II) Legal person
Overdraft is a credit product provided by the Bank for the high-quality credit clients and has a limit that can be used in a recycling manner.
1. Definition: The overdraft business for a legal person’s account refers to the short-term financing and settlement facilitation business provided by the Bank in the form of overdraft within the agreed account and limit after the company obtains the credit overdraft line of the Bank.
2. Function characteristics: Account overdraft of a legal person refers to a convenient revolving financing instrument provided by the Bank for corporate clients. Within the prescribed overdraft limit and the time limit, when the balance of the current deposit account opened by the client in the Bank is insufficient for payment and settlement, the client is allowed to make the payment by overdraft, and the amount returned from the current account will be repaid automatically.
3. Handling procedures:
(1) Credit conferring examination and approval. Examine and approve account overdraft businesses of a legal person according to the current credit conferring business procedures.
(2) Agreement signing. Sign a cooperation agreement of the overdraft business of a legal person.
(3) Function enabling. Initiate the business process in the credit management system and open the relevant overdraft limit for the clients.
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