enterprise online banking is suitable for the vast number of SME customers who need to know the account and financial information in real time and do not involve the transfer of funds. After customers open corporate telephone banking or apply for corporate ordinary card certificates at ICBC outlets, they can register the popular version of corporate online banking at the counter or online self-service. Customers can log on to the popular version of enterprise online banking with the card number and password of ordinary card certificate and get basic online banking services. \xd\ xd \ account management \ xd \ account management refers to a series of account services such as inquiry, download and maintenance of account information by 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 subsidiaries at any time, and master and monitor the internal funds of the enterprise in real time; You can also use the "Electronic Receipt" function to self-check online or print the electronic supplementary receipt of current account. Account management provides a strong guarantee for you to realize intensive and modern management. \xd\ xd \ payment business \ xd \ payment business includes online remittance, securities registration company capital settlement, e-commerce and foreign exchange remittance. It is the product of the combination of traditional business model and modern e-commerce model, and is a complete set of payment solutions carefully designed by ICBC to meet the payment needs of various corporate customers. \xd\ 1. Online remittance \ xd \ The head office (parent company) of a group enterprise can transfer funds from its account through electronic payment instructions, so as to realize the settlement of funds in the same city or in different places with other units (you can open an account in any domestic bank), so as to easily complete the daily settlement business of the enterprise without leaving home. \xd\ Online remittance provides you with a variety of payment modes. You can design the payment mode of outward transfer or directional remittance according to the internal management needs of the group, and realize various requirements of financial management through the security authorization and control scheme designed by you. Using the convenient batch instruction processing method of online remittance and China's leading settlement network will make your business even more powerful. \xd\ 1. Customers of securities companies in capital settlement \ xd \ can transfer money to the clearing account designated by the securities registration company through the function of "capital settlement of securities registration company" and inquire about relevant information. It includes four functions: submitting instructions, inquiring instructions, inquiring clearing account information of securities registration companies, and authorizing instructions. \ xd \ 3. E-commerce \xd\B2B online payment is a safe, fast and convenient online payment intermediary service provided by ICBC for sellers and buyers in e-commerce activities. ICBC's B2B online payment platform connects sellers and buyers in e-commerce activities, providing advanced and fast capital flow channels for B2B merchants and online procurement enterprises, breaking the time and space restrictions, improving transaction efficiency and reducing transaction costs. \xd\ When purchasing enterprises order or shop at any B2B special merchant of ICBC, we will provide 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 manually input the obtained order information through e-commerce function after you log in to ICBC's corporate online banking. After the payment, B2B merchants and purchasing enterprises can obtain detailed transaction information through functions such as transaction instruction inquiry, so as to master and monitor the whole transaction process. \xd\ 1. Foreign exchange remittance \ xd \ Foreign exchange remittance is a business for enterprise customers to transfer and settle foreign currency accounts in the same city/different places through enterprise online banking. In China, ICBC took the lead in realizing the online foreign exchange remittance function, and divided the functions according to different customers. You can transfer and settle foreign exchange funds through specific functions as needed. \xd\ (1) Group fund transfer \ xd \ Group customers can transfer the foreign currency funds in their group in both directions through the group fund transfer function, so as to achieve the purpose of monitoring the operation of foreign currency funds in each branch and unified dispatching and management of foreign currency funds in the whole group. \xd\ 2 B-share capital settlement \ xd \ Securities customers can realize the clearing and transfer of B-share funds between the headquarters and branches of securities companies through the function of B-share capital settlement. \xd\ (3) Domestic foreign exchange remittance \ xd \ Customers of banks or non-bank financial institutions (except insurance companies) can conveniently and quickly realize the real-time settlement of foreign currency funds with other enterprises in the ICBC system through the domestic foreign exchange remittance function, thus broadening their business processing scope and promoting their business development. \xd\ xd \ collection business \ xd \ collection business is a boutique business in which charging enterprise customers actively collect various fees payable by contracted individuals or other authorized enterprise users in batch through ICBC online banking. It has simple application procedures and flexible charging methods, and can collect money from different places, providing a timely, fast and efficient charging channel for charging customers, solving the problem of "difficult charging" that has been bothering charging customers, shortening the capital turnover cycle and accelerating the rapid withdrawal of funds. \xd\ The collection business consists of two parts: batch deduction enterprises and batch deduction individuals. If a charging enterprise wants to deduct money from a payment enterprise (individual), it must first sign a tripartite agreement with the bank, the charging enterprise and the payment enterprise (individual) and establish the corresponding relationship of deduction. The method of establishing the corresponding relationship is generally provided by the charging enterprise to the bank and manually established by the bank through the internal management system. For individual customers, you can also log in to ICBC's personal online banking, and the individual customers can sign the agreement by themselves. \xd\\xd\ Group Finance \xd\ The head office (parent company) of a group enterprise can directly take the initiative to collect or allocate funds to any registered account of the group enterprise from all the registered accounts of its subsidiaries, without notifying its subsidiaries in advance. The directional remittance function enables enterprises to realize the transfer function between specific accounts without opening the foreign transfer authority. \xd\ Group financial instruction submission includes "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, which can not only realize batch active payment to external or branch (subsidiary) company accounts, but also batch active collection from branch (subsidiary) company accounts, thus greatly reducing the workload of enterprise financial personnel and realizing real-time remittance of funds within bank working days. \xd\ xd \ letter of credit business \ xd \ letter of credit refers to the bank's conditional payment commitment, that is, our bank (the issuing bank) promises to make payment or acceptance to a third party (beneficiary) or its designee according to the requirements and instructions of the applicant and in accordance with the terms of the letter of credit; Or authorize another bank to make the payment or accept it; Or authorize another bank to negotiate. \xd\ Online banking L/C business provides a fast channel for our corporate online banking customers to handle L/C business, and realizes the functions of submitting import letters to the bank to testify the application for opening and amendment of L/C, self-printing the Application for Opening Irrevocable Documentary L/C and the Application for Amendment of L/C, and inquiring about import and export L/C online. Online L/C business will greatly save your time and expenses in dealing with banks, improve work efficiency, and at the same time bring convenience for the Group headquarters to inquire about the L/C business of branches and meet the needs of customers' financial management. \xd\\xd\ loan business \xd\ loan business provides loan inquiry functions to registered customers of enterprise online banking, including sub-functions such as main account, repayment of principal with interest and debit account inquiry. Through this business, you can know the total loan situation accurately, timely and comprehensively without leaving home, and provide detailed loan information such as loan amount, loan balance, value date, maturity date and interest, which provides data for enterprise financial pre-decision. In particular, it is convenient for the parent company of a group enterprise to inquire about the loan accounts of all registered parent companies and subsidiaries. \xd\ xd \ investment and financial management \ xd \ investment and financial management is designed and developed by ICBC to meet the needs of enterprises to maximize capital efficiency and carry out scientific financial management. At present, investment and financial management includes four businesses: fund, national debt, call deposit and agreement deposit. \xd\ xd \ Fund \ xd \ Investors only need to use the common card of e-banking client certificate to open a fund trading account and a TA fund account, and register the common card of e-banking client certificate at the same time when registering our corporate online banking, so that they can conduct fund subscription, subscription and other services as well as fund basic information inquiry through our online banking system. Online banking fund business includes fund trading and fund inquiry. \xd\ (1) Fund trading business \ xd \ Fund trading business includes functions such as fund subscription business, fund subscription business, fund redemption business, setting/canceling automatic reinvestment, revoking the application of the same day and replying instructions. \xd\ 2 Fund inquiry business \ xd \ Fund inquiry business includes the functions of inquiring fund code, fund unit net value, fund company information, fund account balance, fund subscription number, fund business confirmation inquiry and download, current transaction details and historical transaction details. \xd\ xd \ national debt \ xd \ investors only need to open a bond custody account with the common card of e-banking client certificate, and register the common card of e-banking client certificate at the same time when registering the online banking of our bank, so that they can conduct bond subscription, bond trading and inquire about the basic information of bonds, the latest price of bonds, the historical price of bonds, the balance of the client bond custody account, the transaction details of the day and the historical transaction details through our online banking system. \xd\ xd \ agreed deposit \ xd \ company agreed deposit refers to the agreement deposit contract signed between the enterprise and the bank, which stipulates the time limit and the basic deposit amount to be reserved in its settlement account. The bank will pay interest on the deposits within the basic deposit amount according to the settlement date or withdrawal date in deposit interest rate, and the deposits exceeding the basic deposit amount will pay interest according to the agreed deposit rate announced by the People's Bank of China on the settlement date or withdrawal date, which is higher than the current deposit rate and lower than the six-month fixed deposit rate. \xd\ Agreement deposit can not only guarantee your normal payment business, but 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. \xd\ xd \ notice deposit \ xd \ notice deposit refers to a deposit in which the depositor does not agree on the deposit period when depositing money, but needs to notify the bank in advance to agree on the date and amount of withdrawal. Notice deposits are divided into one-day notice and seven-day notice deposits according to the length of the depositor's notice in advance. Different interest calculation methods are adopted according to different notice periods. \xd\ Online notice deposit has opened up another channel for you to handle notice deposit business quickly. You can easily complete the functions of notice deposit opening, notice/cancellation notice deposit, account information inquiry, notice deposit withdrawal and opening/withdrawal instruction inquiry without going back and forth between the company and the bank. Notice deposit provides opportunities for you to increase the value of a large number of idle funds. \xd\ xd \ VIP room \ xd \ VIP room is a series of functional combinations specially provided for VIP customers of ICBC to meet their special financial needs. It provides high-quality, efficient and worry-free banking services to VIP enterprises through functions such as automatic collection, reservation service, balance reminder and corporate finance room, thus reducing the financial workload of customers, reducing the operating cost of funds, improving the efficiency in the use of funds and optimizing business operation processes. \xd\ The clients of VIP room include all corporate clients registered in online banking who have a certain scale of operation, good operating efficiency and close cooperation. Ordinary customers can't use this function if they don't apply for VIP room service. \xd\ 1. Account Reminder \ xd \ The Bank sends the information of account balance exceeding the limit of several registered accounts designated by the Group to the enterprise by Email on each bank working day, so as to facilitate the Group (head office) to know the financial status of its subsidiaries in time and strengthen the financial management of its subsidiaries. \xd\ 6. Appointment service \ xd \ Appointment service refers to a function that an enterprise sends the contents of an appointment to ICBC through online banking, and the bank provides corresponding services according to the requirements of appointment. The reservation service includes five functions: cash reservation, collection reservation, payment reservation, ticket inspection reservation and special reservation. \xd\ (1) collection appointment \ xd \ The customer submits the instruction of collection appointment in online banking, and after being processed by the bank, the customer will collect the money at home within the time specified by the customer, so that the customer can easily complete the large amount of cash deposit without leaving home. \xd\ 2 Payment appointment \ xd \ After the customer submits the payment appointment instruction in online banking, the bank will complete the payment at the time reserved by the customer, and the customer can check the implementation of the payment appointment on the online banking side. \xd\ (3) Booking for ticket inspection \ xd \ Customers submit the demand for ticket inspection online (including cash, transfer, remittance, wire transfer, money order, remittance, etc.), and the bank scans the ticket that the customer wants to inquire into an electronic version and then sends it to the Email address designated by the customer, thus greatly facilitating the enterprise to inquire about the ticket and improving the work efficiency. \xd\ (4) Special appointments \ xd \ Customers submit some special appointments (such as audit appointments) through online banking. After being processed by the bank, the reservation service is completed according to the customer's requirements. Through special appointment, we can provide personalized service to customers according to their requirements. \xd\ 13. Automatic collection \ xd \ The bank automatically transfers funds from the branch account of the enterprise to the headquarters account according to the time and amount specified by you in advance, and can carry out different types of automatic collection according to the level you choose, such as regional fund collection/non-level fund collection, provincial fund collection, regional fund collection and national fund collection, without the operation of enterprise financial personnel, which solves the problem of the group very efficiently. \xd\ 2. Corporate Finance Office \ xd \ VIP customers of corporate online banking can handle payroll, agency reimbursement and other business online through this function. Customers can pay employees in the same city/off-site (including peer/other bank accounts) through online banking, and realize the real-time payment of the bank's same city/off-site accounts within banking working days. \xd\ Its functions include submitting instructions (batch/single transaction), inquiring instructions and replying instructions. The original complicated and tedious work can be completed in one step online, which greatly reduces the workload of enterprise financial personnel and improves work efficiency. \xd\ xd \ correspondent bank \ xd \ According to the advantages of ICBC, such as numerous outlets, rapid remittance of funds and powerful service means, ICBC's corporate online banking correspondent bank business currently provides customers with two ways of settlement cooperation, namely, signing bills of exchange on behalf of customers and agency exchange. \xd\ 1. Signing bills on behalf of \ xd \ refers to the process 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 equipment to issue bank bills for their account-opening units or individuals and ICBC will honor them. Including deposit transfer entry and authorization, deposit transfer inquiry, batch deposit transfer and authorization, so that the successful bill transfer can be pointed out online without leaving home.