Operating procedures for the financing of goods
Chapter I general provisions
The first one is to standardize the operation of the freight business, clarify the responsibilities of the post, establish a standardized and unified supervision and operation system, and make this procedure according to the relevant rules and regulations of bank financing business credit.
The second article of these measures referred to as the business of the financing of the goods is that the enterprise with its own or third person lawfully owned movable or right of goods as a credit to cover/pledged to guarantee business. The bank's financing business according to the business process and operation of different ways can be divided into spot static, spot dynamic, goods right certificate pledge, first ticket/after the goods guarantee delivery, the first ticket/after the goods standard mode, the future goods right pledge to open the certificate, the Import collection item next right pledge credit and so on, the concrete explanation see annex 1.
The operating links referred to in this Regulation are mainly composed of nine parts: supervise project initiation, billing review and collection confirmation, delivery and warehousing management, cargo rights management, price management, nuclear library and patrol Depot, redemption and check-out, reconciliation and supervision of project tracking management, insurance and file management. The flow chart of each operation link of the consignment business is shown in Appendix 2.
Chapter II Establishment and duties of the operation post of the consignment
Article fourth in accordance with the requirements of the management of the goods and charges, the bank shall set up a supervision center for the delivery of goods and carry out the functions of management, monitoring and operation of the consignment business, and carry out all the operational links and operation responsibilities to the post (person).
Article fifth in accordance with the needs of business management and operational links, banks shall set up operational positions in accordance with the three functions of accounting funds, physical verification and integrated management, each of which includes the following posts:
I. Financial functions of accounts:
(a) Billing review post: In accordance with the final opinion, the review of the billing business, the billing review of the accuracy, authenticity, integrity of the review responsibility. Depending on the internal management structure of the Bank and the Division of functions, the billing review post can be set up at the bank lending centre or in the Bank's custody supervision Centre.
(ii) Arrival Redemption Post: Responsible for the review and operation of the redemption and replacement of the spot offset/pledge business (including the margin verification of the redemption links, the issuance of the notice of delivery and receipt of the collection, exchange of goods, such as the right to review, etc., responsible for the first ticket/the goods after the service, delivery, arrival, the goods received all aspects of the monitoring and the upstream vendor reconciliation management.
(iii) Price management post: Be responsible for the approval of the price of the collateral, the market, the price of the compensation, the regular release of the value of the mortgage/pawn prices analysis, the reasonable accuracy of the set-off/pledge price.
II. Physical verification functions
Patrol Library: Responsible for the audit and inspection of the supervision plan, the inspection and verification of the work of the audit, and the inspection, the results of the audit and the day-to-day operation of the supervisors.
III. Integrated management functions
Integrated Management post: Responsible for regularly receiving management supervision list (list of supervision items) and supervising party inventory report, responsible for the collation, management and other comprehensive work of the consignment business file.
The bank may carry on the position personnel disposition according to the business quantity situation and the internal control request, but the above two categories of functions cannot concurrently hillock.
Chapter III Supervision Project initiation
Article sixth when the consignment business is approved by the credit, the Customer Manager shall determine the start-up time of the supervision project according to the business model and the customer's use plan, and make the preparation for the supervision of the site.
First, the bank to notify the regulatory party in writing of the time of supervision and banking supervision requirements; the supervision of the "Northeast Asia magnesium material Trading Center settlement Warehouse management measures" and the bank supervision requirements to improve the regulatory procedures, and send the Bank of Custody Supervision Center to review the record.
Second, according to the business model, the regulatory model to choose the corresponding format contract text and the regulatory party, the client shall jointly sign the regulatory agreement and, in accordance with the requirements of the final opinion, add the corresponding terms or supplemental agreement to the credit service which is required to supervise the transportation of the goods, the relevant agreement should clarify the supervision responsibility of the supervising party to the transportation process.
If the venue is unable to sign a venue tenancy agreement for a public warehouse such as a port, a pier, a Hkfe designated delivery bin, in the operation of the business should be agreed that the bank as the inventory, or by the bank, borrowers, regulators and public warehousing parties to sign the Quartet agreement (through the Bank's legal department to check through), to clarify the public warehouse in the supervision process of the relevant warehousing obligations.
Third, the bank to implement the supervision in accordance with the "Northeast Asia magnesium material Trading Center Settlement Warehouse management measures," clear supervision personnel and the corresponding rotation and post arrangements, and carry out the corresponding project flow training, preparation and supervision of the project corresponding to the supervision of signs, labels, documents, vouchers, accounting and other day-to-day supervision of information.
IV. The supervision site of the consignment business shall conform to the bank's business management needs and the requirements for the deposit/collateral storage:
(a) The regulatory site is relatively closed to ensure that the Set-off/collateral is stacked independently, except where the port, the pier and the specific commodity or regulatory party otherwise require.
(b) The regulatory site is equipped with the necessary living facilities to ensure that on-site supervisors can monitor the arrival/collateral for 24 hours.
(c) The regulatory site has the necessary fire protection infrastructure, and in the supervision project, if the Set-off/pledge is a special type of commodity, the warehousing Party shall have special warehousing qualification, and the supervising site shall have the corresponding supervision conditions.
(iv) The regulatory site has the necessary amount of set-off/collateral, weight measurement tools.
(v) Other requirements related to specific regulatory projects.
Regulatory staff to conduct regulatory site investigation and collation, preparation of safety, fire, metering and daily supervision facilities to ensure that the supervision staff 24-hour supervision needs.
VI. Supervision of regulatory personnel in the custody of the site, supervision of the project to start:
(a) The cash-type goods betting business, by the bank's Custody supervision center in the lending before the nuclear library to notify the supervision of the site, to inventory the goods, determine the number of varieties of goods, and assist the Bank to collect relevant ownership, quality information.
(b) Prepaid cash-forwarding business, by the Bank of the supervision Center for the delivery of goods in the upstream of the Enterprise to notify the supervision of personnel before the place of supervision, to prepare the goods before storage.
Chapter fourth billing review and collection confirmation
Article seventh before the billing of the goods and charges business, the bank shall arrange the Customer Manager to manage the contract according to the bank format. Double face signing system requirements, combined with the operation mode of the goods and charges, the relevant guarantor (if any), upstream manufacturers (if any) and other third parties to sign the agreement text, to ensure the authenticity, legality and effectiveness of the relevant procedures.
Article eighth the charging business of chattel mortgage shall be completed in accordance with the requirements of the bank's current movable property mortgage operation guidelines; the consignment business of the pledge shall be completed after the goods have been put into storage.
Article Nineth according to the internal management structure and the Division of functions of the Bank, the loan review function shall be carried out by the lending centre or the Custody Supervision centre, and before the loan review, the nuclear price, the nuclear library and related ownership, quality, insurance review data collection work, the specific operation and the follow-up review requirements see the relevant chapters and accessories of this procedure.
Article Tenth confirmation of receipts
For prepaid business, the bank designated by the person responsible for tracking the implementation of commercial bills of exchange service and receipt recovery work Links:
I. The financing method is accepted by the commercial bill of exchange, the payee of a commercial bill must be the supplier of a cooperation agreement with the Bank and the trustee, or the recipient of the beneficiary's authorization; The financing method is the open letter of credit, the beneficiary of the credit must be an overseas supplier of an import contract signed with the borrower with the intended quality goods.
Second, the financing method for the loan, the loan together with the trustee's own funds are paid directly to the supplier, or issue a bank draft or cheque for the payee. In the form of bank drafts and cheques, it shall be noted that "no endorsement shall be transferred", and the final opinion may be executed in accordance with the final opinion.
Third, when handling the first business, the commercial bill of exchange must be served in principle by the bank two staff together to complete, and the service address, the recipient and other matters double verification. Follow-up operations, the bank shall, as far as possible, deliver the bill in the form of two-person service in the field of the bank, which is indeed difficult, and may be served by the professional logistics provider (including SpeedPost), which has been identified and signed by the bank, and the bank shall sign the agreement with the Certified Professional logistics provider to If the bank sends the ticket by courier and cannot sign the cooperation agreement, it shall handle the operation regulations concerning the delivery and delivery of the bill according to the operation and management of the headquarter.
IV. When the supplier receives a commercial bill of exchange or payment, it shall promptly issue a confirmation letter of receipt of the commercial bill of exchange/payment, which shall be delivered to the Bank within seven working days, and if the letter of confirmation is not stamped by the company's official seal and signed by the legal person, the signature of the Where the first business takes the form of a commercial bill of exchange, the confirmation letter is delivered directly to the bank's staff and is archived and maintained by the bank's freight custody center.
Chapter fifth arrival and storage management
Article 11th the Set-off/collateral under the goods and charges business shall be supervised by the bank or the regulator. In the spot mode, the goods are stored directly in the designated warehouse of the bank, and the Bank shall issue the supervision notice to the regulator, the bank shall issue the list of supervision items, and carry out the management of the nuclear library, the nuclear price and the billing examination according to the process requirements, and supervise the supervision plan.
Article 12th arrival and storage in the mode of the first-ticket/post-shipment
After the seller receives the bank's commercial bill of exchange or money, sends the goods to the bank designated warehouse within the agreed delivery period (the date of shipment from billing day or invoice date), the upstream seller's invoice indicates that the bank or the bank's trustee (buyer) is the consignee, notifying the Bank of the relevant shipments on the date of shipment, and handling the goods transfer formalities with the supervisors and the trustee designated by the bank or bank after arrival. The seller's Agency for transport shall be subject to the approval of the final examination of the credit, and clear the transport side, mode of transport, insurance in transit, warehousing and other related matters, the Bank to carry out the tracking personnel.
The bank shall issue a notice of supervision to the regulator on the receiving of goods according to the delivery of the seller and urge the regulator to strictly implement the following requirements:
One, each time in storage, the regulator should verify that the upstream seller's invoice upload the goods name, material, specifications, weight and other information is in line with the actual arrival information, if the actual arrival information and the delivery slip, the regulator should immediately feedback to the Bank of the custody of the supervision center.
Second, the regulatory party in accordance with the status of the storage to print, the borrower on the receipt of a single signature confirmed that the supervision direction of the bank issued the "List of supervision."
Third, the regulator daily according to the actual number of storage, timely update the "supervision list", the next day sent to the bank, the original monthly handover.
IV. In accordance with each billing information of the bank, the supervising Party shall account the value of the goods delivered by the seller to the borrower, and if the goods under the face of the arrival period are still not reached, the bank should be informed immediately.
V. Collection of relevant goods rights, SET-OFF/collateral information by the regulatory authorities. The information collected by the supervisors generally includes transport documents, invoices or payment vouchers, quality orders, weighing slips, warehousing slips, etc.
Article 13th the future transfer of goods right to the spot mode under L/C
If the enterprise needs to be classified as a documentary, such as credit transfer to the spot/pledged, according to the following process:
After the letter of credit to the single, the applicant agreed to pay or acceptance, the Bank Document Center issued the comments on the treatment of documents, the price control center of the goods to control the value of the approved mortgage.
Second, customs inspection:
(a) in the Declaration and inspection of the Customs Declaration company approved by the Bank, the documents shall be served by the supervision centre or by courier service to the customs broker or the warehouse supervisor, and the applicant will be notified of the fee for the transfer process.
(b) for the customs clearance of the customer declaration, by the Bank of the custody of the supervisors or warehouse supervisors to participate in the whole process of customs declaration, inspection procedures and the entire control of documents.
(c) After the customs clearance formalities are completed, the goods are transported by the designated transport party to the bank designated warehouse.
Article 14th in the warehouse, the Set-off shall be divided into enterprises and separate areas (except ports and terminals), and the material requirements of the bank should be hanged and pasted, and the bank should implement the material supervision to ensure the validity of the pledge.
Chapter Sixth management of goods rights
Article 15th ownership Review
First, the bank should establish the goods right information billing before reviewing, the billing dynamic verification mechanism, through the cargo right information and the document examination and unifies the enterprise production management characteristic, the trading custom, the cargo supervision dynamic tracking and so on the goods ownership to distinguish and the confirmation, avoids the right of goods to appear the legal flaw.
II. The Set-off/collateral under the goods and charges shall be the goods lawfully owned by the mortgagor/the Pledgee, and the mortgagor/the pledgee shall provide sufficient evidence of the ownership and quantity of the collateral/pledge. Quality and quality of information, including but not limited to the purchase and sale contract, VAT invoices, customs declaration, transport freight Tan, quality Certificate of competency, commodity inspection certificate and other banks should review the property of Set-off/pledge, the review process is as follows:
(a) before the billing, the Customer Manager to check the original material and copy of the right of the goods, confirmed that the two people signed the information on the confirmation. The Customer Manager is the first person responsible for the management of the goods, and it is the first responsibility to the authenticity and legality of the material ownership information.
(ii) At the time of the first billing, the certifying officer and the account manager are required to check the goods on site and check the conformity of the cargo information and the type of the Set-off/collateral.
(iii) Review of the billing of the Set-off/pledge property (see annex 7, "Guidelines on the review of the consignment/collateral property rights").
(d) In the day-to-day supervision operation after the billing, the first-ticket/post Standard model exists in the case that the collateral is kept in storage, and the bank shall be responsible for reviewing the ownership of the new incoming/pledged goods.
The bank may require the regulator to be responsible for the collection and form review of the cargo rights information for the new incoming/pledged goods. And by the Customer Manager in the day-to-day loan management of the new arrival/pledge of the ownership of the review and verification, patrol the warehouse personnel in the daily visit to the Bank of the ownership of the pledge to check and verify:
1. The regulatory agreement signed by the bank and the regulator or its supplemental agreement shall expressly require the supervising party to collect information on the ownership of the goods.
2, under normal circumstances, the supervision party to collect ownership information should include transport documents, invoices or payment vouchers, mining quality list, weighing list, storage list and so on. In the daily review of the regulator, if there is a flaw in the ownership of the collateral, the bank should be contacted immediately.
3, the Customer Manager in the loan management to the new warehousing/Collateral property review and verification.
4, patrol the Storehouse hillock personnel carries on the daily patrol storehouse, carries on the inspection to the supervisory party ownership information collection situation, and carries on the review to the new incoming/pledge material's ownership, if has the question, may carry the ownership material back to the line further examines checks.
If the regulator does not cooperate with the above work, the Bank shall designate the business Unit account Manager or the person responsible for the new incoming/pledged goods collection and review.
Article 16th Quality Inspection and management
According to the difficulty of set-off/collateral, the bank shall, in accordance with the actual situation, choose the following methods to ensure the quality of the Set-off/pledge:
(a) Improve the quality of business personnel identification capacity;
(ii) Selecting a supervising party with the ability to identify the quality of the goods;
(iii) The introduction of third-party qualified quality inspection units.
II. The quality inspection requirements for the Set-off/collateral under the consignment business are as follows:
(i) Non-imported goods
1. Self-produced goods of enterprises
If the goods are produced by the enterprise themselves, the quality of the goods shall be inspected by the third party quality inspection organization. If the enterprise and the bank have many years of business dealings, the bank has sufficient knowledge of its products, can apply for the granting of letters, the approval can be granted exemption.
2. Non-self-produced goods
(1) Upstream manufacturers to provide product quality certification, billing and subsequent storage to provide with the vehicle quality inspection report, and offset/collateral.
(2) The manufacturer does not provide quality inspection certificate, the quality of the goods shall be inspected by the third party quality inspection organization. If the enterprise and the bank have many years of business dealings, the bank has sufficient knowledge of the goods, may apply for the granting of the letter when the application, approved by the credit approval can be exempted.
(ii) Imports of goods
The inspection methods of imported goods usually include the quality inspection of the shipping place and the domestic commodity inspection.
1, included in the National Commodity Inspection Department Import Commodity Inspection type table of imported goods, quality inspection to the domestic commodity inspection report prevail.
2, not included in the National Commodity Inspection Department Import Commodity Inspection table of imports of goods, the request for an international independent third party quality inspection report or domestic Commodity inspection organization quality inspection report.
(iii) Third-party inspection requirements
1. Certain special arrivals/pledges require the third party quality inspection organizations to conduct random sampling, and the inspection institutions must be accredited by the Bank, and there is no relationship with the credit enterprise.
2, in general, the bank or bank entrusted to the supervision of personnel on-site supervision and inspection agencies on-site sampling process or testing process. If necessary, the supervision centre shall be responsible for supervising third party quality inspection.
Chapter Seventh Price Management
Article 17th Price Management
The price management of offset/pledge includes price approval, daily market and depreciation compensation.
First, the bank should comprehensively consider the cost price, market price, the cost of change and other factors according to different types of goods, trading patterns, such as the choice of the corresponding nuclear price method, the basic principles include:
(a) In accordance with the principle of low purchase price and market price, the price of the Set-off/pledge is carefully approved.
(b) The determination of the purchase price is based on the fare, which can be adjusted according to different circumstances.
(c) If the bank is to pay the tax when it disposes of the collateral the purchase price of the commodity shall be determined according to the tax-free price, and the purchase price of domestic goods may be determined by the price including the value-added tax, the purchase price of the imported goods can be determined according to the price of the import duty plus the import duties and other taxes after the import link.
(iv) The purchase price may include transportation costs for rail transport, coastal transport or multimodal transport.
(v) in the product can be in accordance with the raw material market price and purchase price of the method of identification.
Second, the Bank of the custody of the supervision center price management should be in charge of the price of goods to carry out continuous tracking, including the recording of the daily price of the collateral/pledge, analysis of price trends, periodic release of price information.
III. For the stability of different kinds of goods and prices, the final opinion of the credit approval department should be clearly agreed to the price of the price space (that is, market prices below the range of nuclear pricing), the decline in the space is generally $number, the time principle of depreciation compensation is three working days, the longest no more
Article 18th price approval of spot offset/pledge mode
First, the spot goods and charges the business billing, the delivery, the replacement, the price changes and the prepaid to the spot before the transfer price approval, the price management personnel should strictly in accordance with the final opinion and the operational process requirements to determine the price of the approved basis and the core price.
The price management personnel shall, through the purchase or sales invoices and price information websites provided by the trusted customers, know the price information of the Set-off/pledge, and approve the price according to the principle of the low purchase price and the market price. On the basis of the price determined, in order to ensure the credit risk, the price management post can adjust the price appropriately and form the final approved price of the collateral, according to the characteristics of the industry of Set-off/collateral, the trend of price fluctuation, the situation of the trusted customer and the risk of supervision.
Third, the price management staff approved the price, the formation of the "supervision of price determination/adjustment notice", reported to the department heads for approval. After approval, seal confirmation, send the supervision party by fax, and ask the supervisor for the confirmation of the price of the regulator/adjustment notice.
IV. After the price is released, if the operating unit has objections to the price approval or applies for adjustment, it shall be submitted by the Customer Manager of the business to submit the application for adjustment, detailing the reasons for the adjustment, and preparing to arrive at/pledge the recent invoice, purchase and sale contract information. Price management personnel according to market price information and the material provided by the Customer Manager to check the price adjustment application, and put forward the pricing plan, the supervision center responsible for the implementation of the goods.
Article 19th approval of prepaid business price
First, prepaid business needs to be approved for the price of the main include the future of the right to pledge, first-class goods after the standard Model and guarantee delivery mode.
Second, the prepaid business billing, the price management post needs to carry on the review to the Set-off/pledge price, according to the purchase and sale contract price and the actual market price of the fixed market, if the market price of the city and the purchase and sale contract is larger, the reason should be investigated to prevent the shortage of the goods
Third, prepaid business transfer to the spot after the arrival/pledge, the need to re-approve the price of goods after mortgage or quality.
Article 20th daily management of the city
The daily market is the price of the goods that have arrived/pledged to the bank under the goods and charges business, and is followed by the price management staff of the bank's cargo custody center.
Second, the price management personnel should be daily tracking and mastering a variety of arrival/collateral prices on the day of the market price, the decline in excess of the contract agreed to the extent of the mortgage, should immediately report to the department responsible for taking the appropriate measures, and timely inform the Customer Manager, require enterprises timely replenishment or replenishment margin
Third, in order to track and master a variety of mortgage/collateral market, the centre should choose the right information for access, including but not limited to: the East magnesium trading website, the Pro/Collateral professional website, the trade market price bulletin, the local market information, etc. The information channels chosen should conform to the characteristics of openness, timeliness and certain public trust, and can help the bank get the correct market information in time.
Four, the Bank of goods under the Business category price information to the OA bulletin, public network, mail and other forms of publication, timely update, for the Management Department account manager for reference.
Five, the price management post should be produced monthly commodity price trend chart (the degree of refinement by the bank) and send each business units to achieve control risk and to provide information support to the business.
The Customer Manager, according to the request of the management and the approval of the loan, periodically to the enterprise to understand its operation situation, and to investigate and understand the price fluctuation of the offset/pledge, in order to prevent the risk caused by the price fluctuation to the bank credit.
Article 21st compensation for depreciation
The system of price reduction is the stipulation that the mortgage/pledgee shall supplement the corresponding value of the Set-off/pledge or margin within the stipulated period when the set-off of the collateral is reached the agreed range.
II. According to the stability of different arrival/pledge items and prices, the price of the bank and the mortgage/Pledgee is generally 5%-10%, and the time principle of the depreciation compensation is 3 working days, the maximum is no more than 5 working days.
Third, the terms of the depreciation compensation must be in the bank and the mortgage/The pledgee signed the "Maximum offset/pledge guarantee contract", "in the case of a contract of guarantee or a" tripartite cooperation agreement ", a clear agreement is made to express the requirements of the compensation for depreciation and expressly stipulates that the bank shall have the right to declare the credit due in advance if the mortgage/pledgee cannot be compensated in accordance with the agreement.
IV. Price management post to the extent of the decline in the scope of the agreed range of the arrival/collateral variety, should be immediately issued to the operating unit to pay the notice of price reduction, the request for credit enterprises to supplement the goods or security deposit, prices management is responsible for tracking processing in place to ensure that the bank's funds
V. Calculation method of depreciation compensation
(a) The depreciation of spot business
The calculation formula of Set-off/pledge or margin should be added in the case of depreciation compensation:
Margin = Open Amount-(current quantity * Approved price * offset/pledge rate)
Quantity of goods to be filled = open balance/(offset/pledge rate * Current approved price)-Total quantity of goods
(ii) Pre-class Standard Model
1, the goods have been issued price compensation
According to the quantity of the goods issued by the seller and the authorized price of the Consignment Supervision Center (hereinafter referred to as the approved prices), the actual value of the goods has been calculated, the seller has issued the value of the goods minus the actual value of the goods that need to replenish the goods value. The calculation formula is:
The value of the goods to be delivered part of the consignment is the value of the goods delivered by the seller-the actual value of the goods
The quantity of goods that have been shipped is part of the shipment value/approved price
Part of the consignment required to fill in the amount of goods shipped part of the need to replenish the value of cargo * Offset/pledge rate
2. Partial Price compensation
In accordance with the accounts of the Customer Manager and the seller and the supervising party, the supervision center determines the quantity of the seller not shipped under the purchase and sale contract, the quantity of the goods not shipped multiplied by the difference between the purchase and sale contract price and the approved price of the supervision center of the goods, and the value of the
The value of the goods not shipped is the quantity of the goods not issued * (Purchase and Sale contract price-approved price)
Quantity of goods not to be shipped = the value of the goods not shipped or the approved price
Part of the outstanding margin = the value of the goods not shipped part of the consignment/pledge rate
If the price falls, the seller shall adjust the price of the purchase and sale contract, which leads to the change of the quantity of shipment in the purchase and sale contract, and the Customer Manager shall provide the relevant proof of the seller's adjustment price, and the seller shall make the reconciliation, confirm the seller's outstanding value, and determine whether the price is to be compensated
(iii) Future goods rights business under the International Letter of credit
The center of the goods custody is unified in accordance with the price of the import cost (that is, CIF price), if the import and sale contract price is not CIF price, the freight charge Supervision Center in the import contract price base plus freight and so on to determine the CIF price. The quantity of import and sale contract multiplied by the difference between the approved price and the CIF price of the consignment supervision Center, that is to conclude the value of the goods to be filled, the calculation formula is:
Value of goods to be filled = quantity of contract for import and Sale * (CIF price-approved price)
Replenishment margin = value of replenishment * (1-initial margin ratio)
(iv) Prepaid type of secured delivery mode
In order to prevent the risk of falling down, the bank shall issue the delivery notice to the upstream manufacturer (seller) according to the value (amount) of the goods in advance, and make the corresponding agreement in the tripartite cooperation agreements.
Chapter Eighth: Nuclear library and patrol Library management
Article 22nd Nuclear Library
I. The nuclear library shall be centrally deployed and arranged by the Central Bank Supervision Center, and the auditor shall record the relevant contents of the date, category and project name of the nuclear library before the nuclear library, and conduct the nuclear library after the signature of the organization.
II. Nuclear Library requirements
(i) Spot Mortgage service
1, first business
Line (including continued line) item next pen business Billing Management Account manager should be in charge of the center of the goods with the central warehouse, and jointly signed and responsible.
2, not the first business
For a Class A regulator business, the non-initial business billing if the value of the supervision party has not changed or is higher than the minimum control value can be determined by the head of the bank's supervision centre according to the results of the value of the goods and the supervision of the previous supervision records. The inquiry person needs to fill in the "Control Value Inquiry Order", signed by the custody of the supervision center responsible for the signing of views.
B, Class C regulators business, under the amount of non-first-line business billing and quota control mode to exchange goods need to be charged by the central warehouse of supervision.
(ii) Prepaid business
Prepaid business (excl. secured delivery) shall be determined by the head of the supervision center of the Bank in accordance with the supervision records and with the bank reconciliations.
III. Main contents of Nuclear library
1. The varieties of the Set-off/collateral: The type of the final opinion and the operation process shall prevail and may not accept the Set-off/pledge outside the definite category;
2. The ownership of the collateral: check and verify that the name of the depositor is a quality (mortgage) person, mainly verifying the purchase and sale contract, shipping document, invoice or payment voucher;
3, the amount of set-off/collateral: mainly in accordance with the enterprise inventory accounts, freight documents and other information, check the supervision of the inventory statements provided by the actual inventory verification results to determine;
4, the quality of the Set-off/collateral: See chapter Sixth, article 16th, quality inspection and management;
5, check whether the warehouse cargo access management standards, whether it conforms to the bank's standard, verify that the inventory balance is greater than equal to the minimum value of the Set-off/pledge;
6, check the storage conditions and the storage of the collateral/pledge, to make/pledge in the warehouse of the layout is standard, whether to meet the safety requirements, whether or not to carry out the identification of flammable, vulnerable items in the custody of the necessary security measures.
IV. The nuclear librarian records the nuclear library in the "Nuclear Library report" and signs the views of the nuclear library. The first business is a nuclear library and account manager in the "Nuclear Library report" to record the status of the nuclear library, signed a nuclear library opinion. The regulator signed the report on the nuclear library.
After the completion of the nuclear library, the nuclear librarian completed the "Nuclear Library report" on the same day or the next day to return to the bank's custody centre.
Article 23rd Patrol Library
First, the Cargo custody Supervision Center patrol personnel should be in accordance with the frequency of patrol and library requirements, supervision of warehouses, regulators and supervision of the set-off/collateral inspection.
Secondly, the frequency of the tour is based on the result of the rating of the regulator, specifically:
For a single letter, such as the Bank of the examination and approval departments at all levels of the final opinion has special requirements, should be stipulated.
The above-mentioned frequency is for the Bank of the custody of the Supervision center patrol library interval requirements, the Customer Manager should be based on the management requirements of the loan after the loan tracking management and verification work.
III. Main contents of supervision on-site inspection
1, the supervision side of the internal risk control and operation of the process is sound, focus on check the supervision of the inventory of goods/collateral entry and exit records and operation procedures are complete.
2, the main business operators of the supervision of the industry experience, the bank to check in with the situation and supervision staff rotation.
3, the warehousing supervision condition verification, mainly inspects the storehouse to meet/pledge the condition which the storage needs, such as fire, anti-theft and other security system implementation of the situation, flammable, explosive, vulnerable to the safekeeping of goods have the necessary security measures, the need for moisture, sunscreen, anti-corrosion of the arrival/collateral is a special protective measures.
4. Whether the supervising Party shall carry out supervision and operation according to the supervision plan formulated beforehand.
IV. Main content of on-site verification of the Set-off/collateral
1. Whether the supervising party divides the specific position or the relative independent site to keep the collateral, and whether it pastes or hangs the pledge logo required by the bank.
2, review the transport documents, warehousing receipts, invoices or payment vouchers and other information to verify the Set-off/Pledge property. and spot check the company provided the original documents, invoices and other documents, verify and provide the copy is consistent.
3, according to the transport documents, receipts and other information and warehouse orders or the list of supervision to check, inspection of the offset/collateral manufacturers, types, specifications, packaging, quality, quantity, weight, value and other aspects of the bank to meet the requirements, and the set-off/collateral to carry out on-site verification.
4, on-site extraction points/collateral, the proportion of spot checks should not be less than the total amount of 10%. In cases where the amount of the collateral is less than 100 or the total amount of supervision is small, such as automotive, oil and precious metal offset/pledge, etc. must be fully implemented. For the arrival/collateral of the outer packing, the bank shall set up the sampling proportion, and the random sample open the package check whether the internal offset/collateral is in line with the bank's requirements.
5. Pay attention to the quality of the Set-off/pledge. Focus on the inspection of the arrival/collateral of the storage time, quality identification, inspection orders, etc., on the quality of unqualified or storage time too long (such as more than the specified redemption period) of the Set-off/collateral should be removed from the bank's list of supervisors.
6, for the future goods right pledge (including the first ticket/the goods and the future goods right pledge to open the certificate) business, the key verification goods arrival time, quantity, the quality, the transport document consignee, the port of arrival (station) name and the bank and the quality person's agreement.
Article 24th Supervision and inspection of public warehouses
Public warehouse at the same time as the regulator, the public warehouse in the supervision and inspection of collateral, due to its own particularity, should focus on the following contents:
1, the Storehouse arrives/pledge the request to divide the enterprise, the subregion storage (except the port, the wharf), and has the obvious mark;
2, the enterprise goods right clear, the key inspection cargo transport handover document and the incoming document;
3, offset/pledge inventory accounts clearly clear, accurate record;
4, the information is accurate and timely submission and handover. Including: Inventory daily, Supervision list, price notice, value control list, delivery notice and receipts and other relevant information.
Article 25th after the completion of each tour, the tour staff truthfully fill in the "Library report", the Patrol Library report of the supervision center responsible for the audit signed, the latest business day and comprehensive management post to handle the handover.
Article 26th if the supervision problem is found in the patrol library, the patrol staff shall promptly put forward rectification opinions to the offset/pledge person or the supervising party and follow up the rectification situation, and the supervising party who is still unqualified can recommend to stop the qualification of its handling of the goods, and report to the department head in time.
Article 27th if the quantity of collateral in the patrol library, the quality, the supervision condition and so on has the big problem, the cargo remand Supervision Center should take the corresponding measure according to the stipulation of the bank to monitor the early warning management method, the emergency warning signal of the occurrence of the major (sudden) matters, according to the request of the Bank of Emergency management work guidelines to take measures.
Article 28th the Supervision Center shall regularly summarize the problems found in the process of inspection and inspection, communicate with the supervisors on a regular basis and summarize the experience and improve the level of supervision.
Chapter Nineth Redemption, replacement and library
Article 29th provisions for the Redemption of goods
The process of redemption should be followed by the "first play after the release of goods" principle. The provisions of this chapter shall apply to the redemption of goods under other business models, except in the case of a dynamic approved inventory model, where the value of a cargo is higher than the minimum value of delivery.
First, the borrower must advance before delivery, notify the Customer Manager, Customer Manager according to the number of goods, approved prices and the offset/pledge rate to confirm the delivery of funds required, and then notify the borrower to prepare the corresponding funds.
II. According to the supervision agreement signed by the borrower, the supervisor or the seller or the bank, the borrower shall provide the "Application for delivery" which has been signed in the chapter.
(a) In the form of supplementary deposit, the "Application for delivery" must indicate the account number of the supplementary deposit, the amount, the corresponding contract numbers, to extract the name, specifications, quantity and other information of the collateral. According to the characteristics of the business model, if necessary, should also fill in the offset/collateral corresponding warehouse number, ship name and so on.
(ii) In the form of the return of loans, the "Application for delivery" must indicate the amount of repayment, the corresponding loan contract number. The contents of the Set-off/collateral are in the form of supplementary deposit.
Third, the management of customer managers require customers to timely cash into the corresponding margin account or return the corresponding amount of loans.
IV. The relevant information of the delivery and redemption post
(a) The examination of the application for delivery: whether there is a borrower's seal and the right to sign, the content is accurate.
(ii) to audit the adequacy of the amount of the additional margin or repayment of the loan: the value of the audit is calculated on the basis of: margin or return loan amount ≥ delivery quantity * Offset/pledge price * Offset/pledge rate.
V. The Consignment Supervision Center issue the delivery voucher according to the different business model and the signed agreement
(a) The mode of operation is static mode, guarantee delivery mode or quota control mode, the arrival of the redemption of goods post check the relevant information, print "Notice of delivery", indicating the name of the goods, specifications, weight (number), voucher number and other information.
(ii) operating mode for dynamic approved inventory mode, the arrival of the redemption post according to the value of the goods, determine the minimum value of the control, print the minimum requirements notice of the supervision.
Notify the relevant supervisor or seller of the delivery information
(a) The arrival of the redemption post in accordance with the supervision agreement of the Bank reserves of the seal, the above-mentioned documents by the Bank reserve seal signed by the signature of the staff to confirm, by fax to notify the regulator, and at the same time telephone to the regulator to confirm the name of the delivery and quantity of information The effective signature of the bank is the seal of the Bank's custody center and the a staff members.
(b) After receiving the fax, the regulator checks the seal, signature, fax number, and checks with the designated personnel of the Bank to verify the goods.
(iii) After the first ticket delivery mode of guarantee, the "delivery notice" by fax to the seller.
VII. Transfer and reconciliation of documents
Delivery Redemption post will be sent to the bank of the original receipt of the voucher within one weeks of delivery to the regulator or seller, and completes the handover formalities. The arrival of the redemption post daily with the regulator to check delivery performance.
Article 30th Exchange Provisions
In the goods and charges business, the final opinion of the credit is approved as static mode operation, no Exchange operation shall be performed. If the final opinion is approved for dynamic mode operation, the goods can be exchanged according to the following requirement.
Second, dynamic model, divided into dynamic quota control mode and dynamic approved inventory mode:
(a) under the dynamic Quota control mode, all supervised goods must be approved by the regulator before they can be out of the library.
The goods used for the exchange shall be subject to the relevant posts for the nuclear price, the right of Ownership information review, the nuclear library and other formalities bank custody Supervision Center and the management line should participate in the new goods in the warehousing and mortgage/quality procedures.
1, when the borrower needs to exchange, the handling Bank account manager should be the new arrival/pledge of the purchase and sale contract, VAT invoices and other goods right information submitted to the Bank of the custody of the supervision center, from the price management post according to market price and the principle of the low price of the price, the arrival of redemption post on the right to review the goods and the price according to the prices of the confirmation of the prices, to determine the amount of
2, the replacement of goods to implement the "First storage after the library" principle, the new goods must be in storage and through the bank's nuclear library to exchange out of the library. The nuclear library of the new warehousing goods shall be implemented in accordance with the requirements of the preceding article.
3, new goods warehousing and mortgage/out of quality procedures, after the bank to the Bank of the Supervision Center for goods delivery approval procedures. The bank's Custody supervision Center is responsible for the examination of the delivery formalities and the issue of the delivery notice after the examination is correct.
(ii) Under the dynamic approved inventory model, the goods under the supervision of the regulator exceed the minimum quantity or minimum value required by the bank in the regulatory notice issued to the regulator or the latest notice of minimum requirements for supervision, in excess of part of the supervision, the borrower may carry out the delivery formalities to the supervising party, without obtaining the bank's consent separately. If the borrower withdraws the regulatory notice of supervision or the latest "minimum requirement notice of supervision" to provide for the minimum quantity or value within the scope of the supervision, it must be dealt with by the bank issued by the "delivery notice", otherwise the supervising Party shall not transact. The issue of the delivery notice shall be executed in accordance with section 29th.
Chapter Tenth tracking management of accounts and supervision projects
Article 31st Requirements for prepaid business reconciliations
First, for the prepaid business, including the secured delivery mode and standard mode, the bank designated for the arrival of the redemption post or related positions responsible for the upstream seller's reconciliation.
II. In accordance with the requirements of the examination and approval of the accounting staff (generally or monthly, if the final opinion does not do so, according to the month), the upstream seller's shipments are tracked, with the upstream seller to carry out the reconciliation, issued "the seller's delivery statement", and the issue of its delivery review, to examine whether the seller in accordance with the contract time, place and quantity to complete the delivery task.
Third, after the reconciliation, the ledger personnel should be the "seller's delivery statement" on the basis of the project in accordance with the unified filing and archiving.
Four, for the transfer to the spot/pledge of the Standard model, the account staff will be "the seller's delivery statement" and the supervision issued by the "goods and charges business inventory statement" to check, should ensure that the volume of shipments and receipts fully consistent.
Article 32nd Inventory Reconciliation management of spot operations
First, on the cash-type cargo betting business, including prepaid business after the arrival of the spot/pledge business, the bank should require the supervision of the end of the month to carry out the inventory reconciliation, the account issued after the "goods and charges business inventory statement" and signed and sealed, the following month 5th before the delivery of Supervision center integrated management Post.
II. The cargo Custody Supervision Centre reviews the "inventory statement of the consignment business", and check with the bank's cargo counter and the list of supervisors, focusing on the adequacy of the Set-off/collateral inventory, guaranteeing the amount of the set-off/collateral and the value of the credit exposure:
(a) for static mode and dynamic Norm control mode, the total value of the offset/pledge inventory is consistent with the bank's requirements;
(ii) for the dynamic approved inventory model, whether the total inventory value is located above the minimum control value;
(iii) Whether the inventory situation is consistent with the quantity of inventory to be arrived at in advance of the business.
Third, for the discovery of the existence of inventory value less than the value of the goods, or prepaid business is not in time to arrive, should immediately report to the Bank of the supervision Center for the custody of the supervisor, timely response measures.
Article 33rd management of List of supervision items
When the credit enterprise inventory changes, the Bank shall implement the latest supervision list on the same day. And in the next day to the enterprise to perform the seal and the authorized person to sign the confirmation procedure (the mortgage method does not confirm by the enterprise, the pledge way if the tripartite agreement has already agreed the quality matter to the supervisory party issued "the supervision list", also may not confirm by the enterprise). The list of supervisors was faxed to the consolidated management of the bank's cargo custody Centre the next day, and the original was handed over to the consolidated management post at the latest until 5th.
Article 34th supervision and management of the project status
First, the bank should require the supervisors to follow the scene to understand the business situation and establish the project early-warning mechanism. The following areas are included in the trace:
(i) Monitoring of changes in the stock/collateral inventory
(ii) The property of the Set-off/pledge and the certificate of quality inspection
(iii) Implementation of on-site monitoring marks
(iv) Implementation of inbound/outbound process management
(v) Arrival/collateral price fluctuation tracking
(vi) Analysis on the representation of enterprise management
According to the actual situation, the supervisor fills in the "Supervision Project enterprise Status Tracking Table", and periodically sends the bank's consignment supervision Center to patrol the storehouse.
Second, the Goods Custody Supervision center after receiving the tracking table, the report on the supervision side of the problem, in combination with the site to understand the situation, in a timely manner with the relevant departments of the bank or the regulatory side to communicate implementation:
(a) In case of any signs of change in the business operation, the bank Credit Management department, relevant business units and account managers are promptly notified.
(b) If the regulator has serious problems in the regulatory operation, it will send a rectification letter to the supervising party to follow up the rectification.