Ant financial services participates in digital currency
what benefits most from this is the domestic currency circle. In 2017, digital currency and related fund-raising activities were banned in China, which is quite negative in the eyes of ordinary people. In fact, the central bank's initiative to explore into cryptocurrency is the recognition of the core concept of digital currency. With this incentive, domestic enterprises will actively enter the instry and inject fresh blood into the instry, which is the most important
about this, you can see the reports of blockchain media, such as golden finance, coin easy to know column, chain news and so on.
financial services instry is the driving force of global economic development and one of the instries with the highest degree of centralization. The information asymmetry of both sides in the financial market leads to the failure to establish an effective credit mechanism. There are a large number of centralized credit intermediaries and information intermediaries in the instrial chain, which slow down the operation efficiency of the system and increase the cost of capital exchange
the open and unchangeable nature of blockchain technology provides the possibility for decentralized trust mechanism, and has the potential to change the financial infrastructure. Various financial assets, such as equity, bonds, bills, warehouse receipts, fund shares, etc., can be integrated into the blockchain ledger to become digital assets on the chain, which can be stored, transferred and traded on the blockchain. It has a broad application prospect in the financial field. For example, it has typical applications in cross-border payment, insurance claims, securities trading, bills, etc.
Ant financial services refers to ant financial services group
ant financial services group (hereinafter referred to as "ant gold clothing") started in 2004, Alipay. In March 2013, Alipay's parent company announced that it would build small and micro financial services group (hereinafter referred to as "small and micro gold clothing") as its main body, and small and micro finance (chips) became the predecessor of ant gold clothing. In October 2014, ant financial services was officially established
and the Internet plus. Based on mobile Internet, big data and cloud computing, it is an important practice for China to practice Inclusive Finance
extended data
ant Alipay has its own sub business plates including Alipay, balance treasure, recruit treasure, ant treasure, network business bank, ant flower, sesame credit, ant financial cloud, ant and so on. P>
1, Alipay
Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China, and is committed to providing a simple, safe and fast payment solution. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world
2. Yu'ebao
yu'ebao is a balance value-added service and current fund management service proct of ant financial services, which was launched in June 2013. Tianhong fund is the fund manager of yu'ebao
yu'ebao is connected with the yu'ebao monetary fund of Tianhong fund, which is characterized by simple operation, low threshold, zero handling charge and can be used at any time. In addition to financial functions, yu'ebao can also be directly used for shopping, transfer, payment, repayment and other consumer payments. It is a cash management tool in the era of mobile Internet. At present, yu'ebao is still the largest Monetary Fund in China
China's four major asset management companies and ant financial services are shareholders. Ant financial services is a shareholder of Tianhong fund
according to the announcement of Tianhong fund on February 25, 2015, the instrial and commercial registration of the company's capital increase has been completed, and the registered capital has increased from 180 million yuan to 5143 million yuan
the new equity structure is as follows: Zhejiang ant micro financial services holds 51% of the equity of Tianhong fund, while Tianjin Trust, Inner Mongolia Junzheng and Wuhu high tech hold 16.8%, 15.6% and 5.6% of the equity respectively. In addition, the total employee ownership ratio is 11%
extended information:
on February 1, 2018, Alibaba announced that it agreed to acquire 33% of ant financial services
2018, the ant gold service and Yi Lianzhong signed a strategic cooperation agreement. The two sides will launch Alipay mobile payment business nationwide and jointly promote the optimization and upgrading of payment experience in the people's health care instry. This means that after the consumption of food and shopping, only a mobile phone is needed, the payment of medical insurance will also fully support mobile payment in the future. p>
generally speaking, commercial acceptance bill is a kind of bill issued by an enterprise and cashed by the enterprise when it is e, which is essentially a standardized settlement tool and debt certificate based on commercial credit. The method of payment and settlement issued by the people's Bank of China in September 1997 clearly defines the concept of commercial bill: the bill issued by the drawer, which entrusts the payer to unconditionally pay a certain amount to the payee or the holder on a specified date The measures also make it clear that the commercial acceptance bill shall be accepted by the drawee other than the bank, the bank acceptance bill shall be accepted by the bank, and the drawee of the commercial bill shall be the acceptor. Based on the above provisions, a commercial acceptance bill can be defined as a bill issued by the drawer, accepted by a payer other than the bank, and unconditionally paid a certain amount to the payee or the holder on a specified date
how to use and cash commercial acceptance bills received by enterprises
(release time: July 31, 2018) view: 2309
at present, many enterprises still do not enjoy the benefits brought by commercial acceptance bills, and still use the original payment method to settle accounts payable and accounts receivable. In fact, this is not a good thing for conservative enterprises; On the one hand, commercial acceptance bill can rece the cost of collecting accounts receivable and the risk of cashing. On the other hand, the permanent cooperative relationship between enterprises is stabilized through commercial acceptance bill, which is equivalent to adding a low-cost lending channel to each other and releasing more market expansion opportunities for enterprises, How to use commercial acceptance bill and how to cash commercial acceptance bill will be popularized
how to use and cash a commercial acceptance bill when an enterprise receives it
a commercial acceptance bill is a bill that entrusts the payer to unconditionally pay a certain amount to the payee or the holder on a specified date after it is issued by the enterprise. Then this bill has no cause and can be continuously endorsed to other cooperative enterprises. Finally, it will be accepted unconditionally at maturity according to the agreement of both parties. Of course, ring the holding period, if the enterprise is in urgent need of capital turnover, it can apply for commercial bill discount or loan through a third party or bank. Generally, this process is not too long, and can be handled in 3-15 days
for the issue of commercial bill cashing, there is a prompt payment period, that is, 10 days from the e date of commercial acceptance bill. The holder shall, within the time limit of presentment for payment, entrust the Bank of deposit to collect the money or directly presentment for payment to the drawee. But there is a point to be noted: when the holder exceeds the time limit for presentment, presentment for payment will not be accepted by the holder's Bank. When the drawee of a commercial bill receives the bill presented for acceptance by the drawer or holder, he shall issue a receipt to the drawer or holder, indicating the date of presentment for acceptance and signing. The drawee shall accept or refuse to accept the bill within 3 days after receiving it
of course, after the payment is prompted by the enterprise, there will also be the default of the payer. At this time, the enterprise has to solve the problem through legal means of prosecution. Compared with the traditional accounts receivable, the commercial acceptance bill is more authoritative to solve the problem of enterprise accounts receivable. If the drawer does not accept or cannot accept, the commercial acceptance bill will be more effective, The forehand enterprise of commercial bill endorsement will also be the person responsible for the commercial bill cashing, and also have the right of acceptance. Therefore, the risk of commercial bill cashing is relatively low for enterprises in most cases, and through the use of commercial acceptance bill, fixed-term acceptance also consolidates higher commercial credit between enterprises.
The acceptance process of a commercial acceptance bill is as follows:
a commercial bill can be presented to the drawee for acceptance at the time of issue
(1) when the drawee of a commercial bill receives the bill presented for acceptance by the drawer or the holder, he shall issue the receipt of the bill to the drawer or the holder, indicating the date of presentment for acceptance and signing. The drawee shall accept or refuse to accept the bill within 3 days after receiving it
(2) if the drawee refuses to accept, the drawee must provide the proof of the refusal (3) when accepting a commercial bill, the drawee should record the word "acceptance" and the date of acceptance on the front of the bill and sign it (4) the drawee shall not attach conditions when accepting commercial bills; If conditions are attached to the acceptance, it shall be deemed as non acceptance Application conditions of commercial acceptance bill, Can provide the corresponding commodity transaction contract, VAT invoice3, There are no words such as "no transfer" and "pledge" on the bill of exchange
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The economic benefits and credit status of discount applicants are good Other conditions required by the bank Application data of commercial acceptance bill2. Commercial acceptance bill with continuous endorsement, complete form and not e
3. Original true and legal commodity or service transaction contract signed by both parties, or other written proof that can prove the authenticity of commodity or service transaction relationship
4. Original VAT invoice with drawer (or direct forehand)
The financial statements of the previous year and the near future should also be provided if the guarantee is provided by way of guarantee6. Paste other information that we think should be submitted