Group treasury management system--a welcomed breakthrough solution

To improve core competitiveness, principal companies must commit to all around improvements and reforms, including integration of flow chart, organization and information, shared resources, service and knowledge, coordination of group business and strategies, fast response to changes in the market conditions and the developing of industry chain advantages etc.

The world-known consultant Mckinsey & Company. Inc pointed out that: One of the largest progresses of multinational corporations comparing to Chinese enterprises is the realization of centralized management, especially the centralized financial management.

“Centralized management, shared service”
Funds are the blood of enterprises. Due to the large scales, principal companies face lots of problems, such as the huge amount of funds involved in treasury management, numerous deposit banks, frequent collections and payments of funds, internal fund clearing, complex transfer procedures, fussy workload evaluation etc. To solve these problems, both effective treasury management system and proper treasury management tools are required.

Treasury management system (TMS) of China Merchants Bank is a system software for sharing financial resources , risk control and management, decision making as well as an integrated platform of management of cash flow, clearing, assets and liabilities, investment & financing and risk management, working as a sound support to the development and promotion of enterprise sharing operation center and the realization of integrated handling of multiple businesses and enterprises in a group company.

1. Manage both the account funds in China Merchants Bank of enterprises and total account funds in other banks of enterprises
2. In-depth service for group company to manage matters relevant to funds such as internal accounts, fund credit, planning and budgeting, commercial papers and supply chain etc.
3. Offer overall fund decision making analysis
4. For standardized and customized products, the services of professional teams of banks are required, including demand investigation and research, differentiated development and implementation, professional system maintenance etc.

Market Background

1. Large and medium-sized clients are the target clients of all commercial banks;
2. Strengthening client segmentation and presenting proper schemes according to the demands of different types of clients are the service orientation of the bank;
3. Centralized fund management has become an inevitable tendency in principal companies and a group of financial companies and clearing centers appear;
4. Principal companies require high electronic information application. Presently, their demand has upgraded from clearing to centralized fund management, risk control and decision making analysis etc.
5. The current fund management is not only a business operation system but information management system and decision making analysis system;
6. Currently, numerous software suppliers sell group fund management system, however, large groups’ requirements on the credit standing and subsequent capabilities of software suppliers are higher and higher and the technical strength and fund management experience of China Merchants Bank are recognized.

Limitations of existing fund management products of domestic banks:
The electronic banking functions supplied by all commercial banks are similar, which can not fully meet the requirements of group enterprises on management and decision making. The primary functions are inquiry, clearing and cash collection and consolidation etc. with the following defects:

1. Similar product functions, and most of the commercial banks only offer business handling function; unsystematic product system; without business management functions such as cash flow budget, fund creditline, foreign exchange etc.; without supports on management and decision making; without complete group fund management system. ????
2. Client-based mostly and without organic integration with its own system, which influences the full application; the group must apply network banking systems of several banks; without supervision or with low supervision efficiency towards local subsidiaries.

The market status quo and demand indicate that establishing integrated group treasury management platform is a tendency. The innovation of bank financial products will bring new level of treasury management service along with the adaptation and leading of market demands.

TMS implementation objection

1. Integration of TMS and business
2. Unified credit financing
3. Establish fund plan (budget) and control mechanism
4. Fund centralization of clearing center and subsidiaries; real-time monitoring function
5. Offer decision making analysis supports to all departments and managements of the group based on data concentration

System design framework
（deleted）

Structure levels and system

Structurally, the system can be divided into four levels:

1. Main system applied by clearing center (or financial company), which mainly handle various collections and payments, bills, credit, international clearing, inquiry and statement output etc.
2. Subsidiaries connect with clearing center (or financial company) through client terminal and offer 3A services to subsidiaries, thus, subsidiaries are able to handle various businesses relevant to clearing center through internet.
3. Treasury management platform and systems of all commercial banks realize connection through direct connection and mainly handle on-line real-time payment, bank information inquiry, balance inquiry, local and external cash collection and consolidation etc.
4. The connection between treasury management platform and other business systems such as EPR, MRPII, MIS and financial software realizes the transmission and exchange of data and information among different systems.

Basic structure of the system (take clearing center as an example)
(deleted)

System positioning in group treasury management function structure
(deleted)

Functional module of the system

1. Clearing business: including various collections and payments
2. Credit/loan operations: inter-company loan and external financing
3. Electronic bills: including paper trust, issuance, endorsement, discount and pledge
4. International clearing: foreign currency remittance, L/C and other foreign currency transactions
5. Program funds: including collection and payment planning, fund transfer and clearing etc.
6. Financing: including bank financing and investment financing etc.
7. Decision making analysis: Offer various analysis statements and data inquiry
8. Other systems: including risk control, evidences management and cash stock management etc.

Basic ideas of system function design

1. Uniform client (subsidiary) service channel, cash clearing platform and external information interface.
2. Clients (subsidiaries)-centered management.
3. High integrated system, data concentration; supporting the multi-level management model of several clearing centers.
4. Business-driven accounts, system users do not need to pay much attention to accounting entry of specific business.
5. Introduce the conception of workflow; focusing on “flowchart management” to realize the recreation of business flow chart.
6. Realize complete post authorization management, such as multi-level, multi-power and multi-grade management; support full teller management.
7. Open and flexible system design, multiple configurations and parameter setting, able to improve system expandability and design flexibility.
8. Optimize system logging; offer traceability, reduce risk and strengthen control.

System operation model

1. Hosting mode

The system is based on the in-house platform of China Merchants Bank. The enterprises connect to each other via internet and safety certification system of China Merchants Bank is applied. The system data is hosted by China Merchants Bank, which can save lots of hardware and network costs and smooth the way for maintenance.

1. Non-hosting modes

The system platform is set inside the client. The enterprises shall furnish network and hardware devices by themselves. This mode is inconvenient for maintenance with large investments; however, the enterprises can enjoy higher independence.

Project technical specifications
Development technologies

1. Background: JAVA development; J2EE framework applied
2. Foreground: C++ Build 5.0 development; enterprise bank design framework applied; supporting manual upgrade by users.

Operation environment

1. Database: D82, supporting many frequently-used databases such as Oracle.
2. Operation system: AIX/ RS6000, supporting common WINDOWS servers.
3. Network: Internet, supporting leased line.

Background:

1. Three-tier C-S structure
2. Apply J2EE framework, which has the advantages of portability, good extensibility, stable operation and high development efficiency etc.
3. High efficiency and stable database connection pooling and transaction processing mechanism;
4. Support frequently-used database such as D82, Oracle.

Foreground:

1. Modularized design
2. Auto download and upgrade available
3. High operation speed, fast transaction handling speed
4. High security and stability
5. Support flexible transaction handling modes and user requirements

System security

1. Digital Certificate: Apply the Digital Certificate and digital signature system of China Merchants Bank
2. Log on: Apply effective user authentication mechanism, password fault-tolerance protection, safe password saving and transmission mechanism
3. Communication: Offer VPN, private line connection; two-layer encryption, public SSL and private encryption protocols
4. System operation environment: Multi-layer firewall protection, various levels of safety zones, system logging and real-time monitoring; passed the examination and appraisal of state security authorities
5. Transaction: Power examination & verification control; Digital Certificate card operation is required for payment transaction.
6. Client terminal: Programmed dynamic linkable library digital signature; unnecessary for the client to save important data & information; special Trojan Horse preventing technology and message notification mechanism are not saved at client terminal
7. Disaster recovery and data backup: Load balancing, warm back-up and disaster recovery back-up center

Main structure system

System application mode

1. Fund monitoring mode

The account and collection & payment information of all subsidiaries are centralized through on-line information platform of direct connection between bank and enterprise, benefiting the principal company to update the fund status of subsidiaries in time. Meanwhile, detailed fund information flow for internal financial system and ERP system and data basis for fund decision making are offered through processing various fund information based on fund budget system.
The mode will not change the current fund operation modes of all subsidiaries. The subsidiaries can independently handle collection and payment businesses. Generally, it is applicable to principal companies of different industries, wide geographic distribution and relatively loose management.

1. Clearing center mode

Applicable to principal companies with clearing center/ financial company, it applies systems similar to commercial banks to conduct management. All subsidiaries open internal accounts in clearing center/ financial company and all business relevant to funds such as clearing, loan, and billing are under the centralized management of clearing center/ financial company. From conception, all subsidiaries only establish business relationship with one bank, that is, clearing center/ financial company.

Through establishing fund management platform to support the group clearing center, it can unify and manage group funds, including unifying the collection & payment clearing, bank accounts, external financing etc. of subsidiaries. This mode requires the establishment of complete fund pricing system and internal clearing system inside the group.

1. Treasury center mode

Through establishing treasury management platform, it closely combines daily operation, strategic development and financing activities of enterprises. Focusing on full life-cycle enterprise financial supply chain management, it conducts strategic planning, fund procurement, investment & financing decision-making ?and financial? operation etc. based on statistics, forecasting and analysis of cash flow and commits to the overall management of internal funds and external financing market operation.

The implementation of the mode shall be based on the clearing center mode. In order to meet the requirements of clients on comprehensive and refined management of funds, it conducts several individualized developments, thus it is mainly applicable to large principal companies which are complex in management.

Descriptions of functional modules supporting the above application modes
Clearing center or treasury center mode
Complete bookkeeping system

1) Establish a whole set of non-bank financial enterprise accounting system; offer management on accounts, currency, interest rate and exchange rate;
2) Support handling several clearing centers and accounts on one platform;
3) Flexible in handling accounts of all business modules; automatically generate accounting items of all business systems;
4) Offer functions of writing off, account wiping-out and automatic carrying forward for multiple internal clearing measures;
5) Account checking, daily and monthly clearing, automatic batch processing at close of a day;
6) Detailed and complete interest calculation function, same with that of bank.

Customer management
1) Unified customer numbering management towards every subsidiary and correspondent bank;
2) Detailed customer data registration;
3) Multi-level customer management modes such as multi-level management relations of group, division, secondary division and subsidiary;
4) Manage supply chain information of customers.

Account management
1) Open internal clearing accounts and relative business accounts for subsidiaries and internal accounts of clearing center;
2) Handle account opening, account closing, freezing and overdraft of subsidiaries and internal accounting;
3) Handle various call deposits, agreed deposits and regular deposits of subsidiaries;
4) Manage group accounts of clearing center in all banks and sub-accounts opened for all subsidiaries.

Clearing management
1) Unify and handle daily clearing business such as various payments, collections, salary release, fund transfer etc. of subsidiaries and the group;
2) Offer clearing channel of electronic chain based on e-bank and direct connection between bank and enterprise and realize fastest electronic clearing;
3) Customize and print clearing bills of all banks and offer bank bill management flow;
4) Offer cash and blank evidence management function;
5) Automatic account checking of clearing center and bank based on document analysis and bank direct networking platform.

Credit financing management
1) Offer credit line and security management of subsidiaries and clearing centers;
2) Offer multiple internal loan and guarantee business to subsidiaries;
3) Manage various financing and guarantee business of clearing center in bank;
4) Complete business flow, including business handling, examination and verification, full or partial repayment, extension and relevant interest handling.

Fund budgeting management
1) Manage periodic declaration and examination & approval flow of fund budget table of all enterprises
2) Offer functional management on freezing, adding and canceling etc.
3) Set pre-warning indexes of various budgets;
4) Settle budget items related to payments and be sure to realize advance reminding, in-process control and post analysis;
5) Analysis and inquiry of all implemented and unimplemented budget line and details. ?

Bill management
1) Unify and manage all received bank and commercial acceptance drafts and information of subsidiaries;
2) Offer bill service handling such as discounting, pledge etc. offer all paper businesses provided by banks.
3) Unify and handle all issued bank and commercial acceptance drafts of subsidiaries; follow up information of issued bills;
4) Conduct security and line management based on credit management module;
5) Offer electronic chain bill management based on electronic bill system and electronic banking system of China Merchants Bank.

Bank-enterprise direct networking platform
1) Support multiple bank interfaces and direct networking with head office systems of China Merchants Bank, Industrial & Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China;
2) Automatic payment of all clearing & payment businesses;
3) Information collection at fixed time such as collection arrival notice, current account balance, day/past transaction details;
4) Self-defined cash centralization and transferring to accounts of subsidiaries.

E-bank of subsidiaries
1) Apply electronic banking system of China Merchants Bank such as business mode customization and multi-level examination and approval;
2) On-line client terminal of various businesses such as accounts, clearing business, loan, and billing business etc.
3) Detailed information inquiry including bank account transaction information of subsidiaries;
4) Powerful notification platform including payment collection, business due, message notification etc.
5) Account statement downloading, printing evidences of clearing center;
6) Offer direct networking with ERP or financial systems of different enterprises.

International clearing
1) Outward and Inward remittance of foreign currency;
2) Import and export L/C business;
3) Financing under international trade such as TT loan, TT negotiation and shipping guarantee etc.
4) Credit line management of international trade financing.

Investment and financing
1) Investment/financing analysis including status of self-owned funds and return on investment;
2) Business management of investment/financing such as bonds;
3) Manage the flow of investment/financing of subsidiaries and clearing center such as financing account management, purchase requisition, examination & approval and trust etc.

Financial statements
1) Independent statement server, various user-defined statements;
2) Various financial statements such as ledger accounts, itemized accounts, balance sheets and income statements etc.
3) Make statements of statistics, analysis and forecasting by virtue of database technology and offer decision making support.

Fund monitoring mode
Client and account management
1) Conduct client numbering for each subsidiary and correspondent bank; record detailed data and conduct unified management;
2) Embody the multi-level relationship of group such as the level relationship of companies, secondary companies, head offices, branch offices and sub-branches of banks;
3) Manage bank accounts opened by group and subsidiaries. The accounts can be divided into various natures such as group master account, collection and payment accounts of subsidiaries etc.
4) Define the property of bank accounts, for instance, whether with automatic collection and consolidation or not, whether with remaining balance or not etc.

Payment
1) Payment requisition and self-defined examination & approval flow management of subsidiaries etc.
2) Fund management division confirms and examines & approves payments and directly handle payment through direct networking platform;
3) Control by virtue of fund budgeting function;
4) Confirm collected bank transaction details and payment lists timely and daily

Fund budgeting management
1) Manage the flow of periodic declaration and examination & approval of budgeting lines of all enterprises;
2) Offer functional management on freezing, adding and canceling of budgeting line;
3) Transfer to subsidiaries as per budget line via direct networking platform;
4) Link budget line with obtained bank transaction details;
5) Forecasting monthly bank cost line, daily analysis of bank funds budgeting line implementation, various funds budgeting inquiry.

Bank-enterprise networking platform
1) Collect all bank account balances and transaction details regularly and save all historical bank transaction information in time;
2) Auto payment and timely feedback of payment results;
3) User-defined cash collection & consolidation from subsidiaries and transferring to subsidiaries through e-bank;
4) Support multiple bank interfaces and directly network with head office systems of China Merchants Bank, Industrial & Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China.

Inquiry of statistics & analysis statements
1) Independent statement server allowing various user-defined statements such as statements of inflow and outflow of funds, statistics & analysis
2) Timely inquiry of daily fund flow and in-time balance summary;
3) Various user-customized complicated analysis statements and comprehensive inquiry etc.

Other system interfacing and account checking functions
1) Offer data access to financial system or ERP system of principal company and import true fund information into relevant system;
2) Offer the function of auto checking of bank accounts and enterprise daybooks and balance adjustment statements;
3) Offer standard XML and EXCEL formats, convenient for export/import of other systems.

Enterprise client terminal
1) Group or subsidiaries can timely inquire account balance and transaction information
2) Submit commands of external payments or internal transfer, user-defined examination & approval procedures and amounts;
3) Prepare budget line statements and timely inquire budget implementation situation;
4) Offer fund analysis statements required by enterprises.

Conclusion
Modern enterprise groups face an ever-changing environment and treasury management plays a very important role in enterprise management, which has been widely recognized. The decision makers of enterprises shall put stress on treasury management and select proper treasury management models and tools suitable for the existence and long-term development of enterprises. Presently, many world leading enterprise groups have been applying professional treasury management system, meanwhile, Chinese mainstream enterprises including foreign-funded enterprises come to realize that the change and development of management demands address TMS. The TMS system oriented to the economy with Chinese characteristics is growing, which requires us to break through the tradition based on international treasury management concepts. For the development of treasury management, China Merchants Bank shall play its own role with its own efforts.

集团财资管理平台系统，突破传统，方兴未艾

集团企业要提高核心竞争力，其管理必然要致力于多方面的改善与变革，包括流程、组织与信息的整合，资源、服务与知识的共享，集团业务与战略的协同，面对环境的快速应变能力，建构产业链优势等。
国际著名咨询机构麦肯锡指出：跨国公司与中国企业相比最大的进步之一就是实现了集中化管理，特别是财务的集中管理。

“集中管理、共享服务”
资金是企业的血液。对于集团企业，财资管理所涉及的资金金额庞大，开户银行众多，资金收付频繁，集团内资金结算、划拨手续复杂，资金计息考核工作量繁琐，决策层难以及时了解资金信息等。解决问题一方面需要集团有效的财资管理制度，另一方面也需要合适的财资管理工具。
招商银行集团财资管理平台系统（TMS，Treasury Management System）是配合企业共享运作中心的建设和推广，在实现集团内多业务、多企业整合处理的同时，为企业的财务资源共享、风险控制、管理决策提供的系统软件，是企业现金流管理、结算管理、资产负债管理、投资理财和风险管理的统一平台。

1. 不仅管理企业在招商银行账户的资金，而且管理企业在所有其他银行账户的全部资金；
2. 深入集团内部管理其内部账户、资金信贷、计划预算、商业票据等所有与资金相关的内容，包括企业供应链；
3. 提供整体的资金决策分析；
4. 标准化与定制化相结合的产品，需要银行专业团队服务，包括需求调研、差异化开发和实施、专门的系统维护等。

市场背景
大中型集团客户是各商业银行优先服务对象；
加强客户细分，针对不同类型客户需求推出切合的方案是银行服务的方向；
资金集中管理在集团企业中已经成为必然趋势，出现了一批财务公司、结算中心；
集团企业对信息化要求很高，需求已经从单纯结算上升到资金集中管理、风险控制、决策分析等层面上；
现在的资金管理已不单纯是业务操作系统，而是信息管理系统、决策分析系统；
市场上为数众多的软件供应商销售集团资金管理系统，但大型集团对软件供应商的信誉和后续能力要求越来越高 ,并且认可招商银行的技术实力和资金管理经验。

现有国内银行资金管理产品的局限性：
各商业银行提供的网上银行功能较为类似，不能完全满足集团企业管理和决策的要求。
产品功能大部分集中在查询、结算和资金归集等方面，存在以下缺陷：

1. 产品功能类似，多是单纯提供业务处理功能；产品体系零散，无现金流预算、资金授信、外汇等业务管理功能，无法提供管理和决策支持，无法构成完整的集团资金管理体系。
2. 多是以客户端形式提供，无法与集团本身系统有机集成，影响集团的充分应用；集团必须同时使用多家银行的网上银行系统，无法有机地整合在一起，集团对下属成员企业资金无监管或监管效率低下。

*** 市场的现状和需求证明，综合、统一的集团财资管理平台是大势所趋！银行金融产品创新在不断适应和引导市场需求的进程中，将开辟财资管理服务的新天地！

集团财资管理平台系统实施目标

1. 财资管理体系与业务一体化
2. 统一信贷融资
3. 建立资金计划(预算)与控制机制
4. 结算中心及成员企业资金集中，并提供实时监控功能
5. 以数据集中为基础，为集团各部门、各管理层提供决策分析支持

系统设计框架图

结构层次和体系
系统从结构上可分为四个层次：

1. 结算中心（或财务公司）使用的主系统,处理各类收付款、票据、信贷、国际结算等业务，以及查询和输出报表。
2. 成员企业与结算中心（或财务公司）通过客户端连接,提供给成员企业3A服务，使其通过网上即可办理与结算中心相关的各类业务。
3. 财资管理平台与各商业银行系统通过直联来对接,主要处理网上实时支付、银行信息查询、余额查询、本地和异地资金归集等业务。
4. 财资管理平台与企业的ERP、MRPⅡ、MIS、财务软件等其它业务系统的对接,实现不同系统之间数据和信息的传输与交换。

系统基本结构（以结算中心为例）

系统在集团财资管理职能架构中的定位

系统功能模块

1. 结算业务：包括各类收、付款业务
2. 信贷业务：集团内部成员之间资金的拆借，财务公司还可以向集团外企业融资
3. 电子票据：包括票据托管、签发、背书、贴现、质押等功能
4. 国际结算：各类外币汇款、信用证以及其它外币业务
5. 计划资金：包括成员企业的收付款计划、资金调拨、清算等功能
6. 融资理财：包括银行融资和投资理财两部分
7. 决策分析：提供各类分析报表和数据查询功能
8. ? 其它系统：包括风险控制、凭证管理、库存现金管理等部分

系统功能设计基本思路

1. 统一的客户（成员企业）服务渠道、资金结算平台和外部信息接口。
2. 以客户（成员企业）为中心进行管理。
3. 系统高度集成，数据集中，支持多个结算中心多层次管理模式。
4. 业务驱动帐务，系统用户不需要关心具体业务的会计分录。
5. 引入工作流概念，以“流程管理”为核心，实现业务流程再造。
6. 实现完备的岗位权限管理，如多级、多权限、多级别管理，支持全柜员管理。
7. 系统设计开放灵活，多种配置和参数设置，提高系统可扩展性和设计柔性。
8. 完备系统日志，提供可追溯性，减少风险，加强控制。

系统运行方式

1. 托管方式

??? 系统建立在招商银行内部专用平台上，企业利用互联网联接，采用招商银行的安全认证体系。系统数据托管在招商银行，可以为企业节省大量的硬件和网络成本，便于维护。

1. 非托管方式

??? 系统平台设置在企业内部，企业需要自己构建网络和硬件设备，投入大，不便维护，但企业自主性更强。

项目相关技术说明
开发技术

1. 后台：JAVA开发，采用J2EE框架。
2. 前台：C++ Build 5.0开发，采用企业银行设计框架，支持用户手动升级。

运行环境

1. 数据库：DB2，可支持其他如Oracle等多种常用数据库。
2. 运行平台：AIX/RS6000，可以支持一般WINDOWS服务器。
3. 网络：互联网，支持专线。

后台：

1. 三层C-S架构
2. 采用J2EE框架，具有可移植性、伸展性好、运行稳定、开发效率高等优点；
3. 高效稳定的数据库连接池和事务处理机制；
4. 可支持DB2、Oracle等多种常用数据库。

前台：

1. 采用了模块化设计；
2. 具有自动下载和升级功能；
3. 运行速度快，业务处理速度快；
4. 较强的安全性和稳定性；
5. ? 支持灵活的业务处理方式和用户需求。

系统的安全保障

1. 数字证书：采用招商银行的数字证书及数字签名体系
2. 登录：采用了有效的身份认证机制、密码容错保护、高安全的密码保存和传送机制
3. 通讯：提供VPN，专线连接；两层加密，公用SSL和私有加密协议
4. 系统运行环境：多层防火墙保护，不同级别的安全区，系统日志和实时监控，通过国家安全部门评审
5. 交易：权限审核控制，支付业务必须有数字证书卡操作
6. 客户端；程序动态库数字签名，客户端不保存重要数据和信息，特别的防木马技术，消息通知机制
7. 灾难恢复与数据备份：负载均衡、热备份、灾难备份中心

系统主体结构体系

系统应用模式

1. 资金监控模式

通过银企直联网上信息平台将把集团所有成员企业在各家银行的账户及收支信息集中起来，利于总部及时了解成员企业的资金状况，并通过加工处理各类资金信息，配合资金预算体系，为其内部的财务系统和ERP系统提供详细的资金信息流,同时为集团的资金决策提供数据依据。
该模式不改变各成员企业现行资金运行方式，各成员企业独立进行收支处理，通常适用于行业跨度大，地域分布广，管理相对松散的集团企业。

1. 结算中心模式

适用于建立了结算中心/财务公司的集团公司，采用类似于商业银行的系统进行管理，成员企业在结算中心/财务公司开立内部账户，所有的结算、信贷、票据等与资金相关的业务都由结算中心/财务公司进行集中管理，成员企业从概念上讲只与一家银行建立业务关系，就是结算中心/财务公司。
通过建立与集团结算中心相配套的资金管理平台，集中统一管理集团资金，包括统一成员企业的收付结算、银行账户、对外融资等。该模式要求集团内部建立完善的资金价格体系和内部结算体系。

1. 财资中心模式

通过建立财资管理平台将企业日常经营、战略发展与金融活动紧密结合，以全生命周期的企业财务供应链管理为核心，在现金流统计、预测、分析的基础上，进行战略规划、资金调度、投融资决策、金融运作等，专注于企业内部资金与外部金融市场运作的统筹管理。
该模式的实施需要在结算中心模式的基础上，为满足客户对资金更加全面和精细化管理的要求，进行较多的个性化开发，因此主要适用于管理复杂程度更高的大型企业集团。

支持以上应用模式的功能模块详解
结算中心或财资中心模式
完整帐务体系
1）建立整套非银行金融企业会计体系，提供科目、货币、利率、汇率的管理；
2）支持多个结算中心多套帐在一个平台的处理；
3）可以灵活定义各业务模块的会计处理，对所有业务系统自动生成会计科目；
4）提供所有业务的冲帐、抹帐，提供多种内部核算的自动结转功能；
5）机构扎帐、日清月结、日终自动批处理；
6）与银行相同的详细周全的计息计提功能。

客户管理
1）为每个成员企业和业务往来银行进行客户编号，统一 管理，编号唯一；
2）详尽的客户资料登记；
3）体现多层级的客户管理模式，如集团、事业部、二级事业部、子公司的多级管理关系；
4）管理客户的上下游供应链信息。

账户管理
1）为每个成员企业开设内部结算账户以及相关的业务账务，开设结算中心的内部核算账户；
2）处理成员企业以及内部核算的开户、销户、冻结、透支操作；
3）处理成员企业各种的通知存款、协定存款、定期业务；
4）管理结算中心在各银行开设的集团账户以及为各成员企业开设的子账户。

结算管理
1）集中统一处理成员企业和集团的各种支付、收款、代发工资、资金调拨等日常结算业务；
2）结合网上银行和银企直联平台提供电子链的结算渠道，实现无落地最快速的电子化结算；
3）定制打印所有银行的结算票据，提供银行票据管理流程；
4）提供现金和空白凭证管理功能；
5）结合文件解析和银行直联平台进行结算中心和银行的自动对帐。

信贷融资管理
1）提供成员企业在结算中心、结算中心在银行的额度以及押品管理；
2）对成员企业提供多种内部信贷和担保业务品种；
3）管理结算中心在银行的各种融资和担保业务；
4）完备的业务流程，包括业务办理、审核、部分或全部还款、展期及相关的利息处理。

资金预算管理
1）各成员企业资金预算项目表定期申报、审批的流程管理；
2）提供预算的冻结、追加、撤消等功能管理；
3）对各项预算的预警指标设定；
4）结算模块每笔支付联动预算项目，做到事前提醒、事中控制、事后分析；
5）各种已执行、未执行预算额度及明细的分析查询。

票据管理
1）集中管理成员企业所有收到的银行和商业承兑汇票及信息；
2）对内提供所有票据业务处理，如贴现、质押等业务，对外处理所有银行提供的票据业务；
3）统一处理成员企业的所有开出商业和银行承兑汇票业务，全程跟踪开出票据信息；
4）结合信贷管理模块，联动相应的押品管理和额度管理；
5）结合招行的电子票据系统及网上银行系统，提供票据电子链管理。

银企直联平台
1）支持任意多个银行接口，可支持与招行、工行、建行、农行、中行总行的系统直联；
2）所有结算支付业务的自动支付；
3）信息定时收集，如收款到账通知、当前账户余额、当日/历史交易明细；
4）对成员企业账户进行自定义的资金归集和下拨。

成员企业网上银行
1）采用招行网上银行体系，如业务模式定制，多级审批；
2）各种业务的网上客户端，包括账户、结算业务、信贷、票据业务等；
3）详细的信息查询，包括成员企业在银行的账户交易信息；
4）强大的通知平台，包括收款到帐、业务到期、信息通知等；
5）对帐单下载、结算中心凭证打印；
6）对不同企业的ERP或者财务系统提供直联功能。

国际结算
1）外币的汇入汇出业务；
2）进出口信用证业务；
3）国际贸易项下的融资，如TT借款、TT押汇、提货担保等；
4）国际贸易融资的额度管理。

投资理财
1）投资理财分析，包括自身资金状况，投资收益；
2）投资理财业务管理，如债券；
3）成员企业和结算中心投资理财流程管理，包括理财专户管理、申购、审批、托收等环节。

财务报表
1）独立的报表服务器，用户自定义各种报表；
2）企业必须的总账、明细账、资产负债表、损益表等各种财务日月年报；
3）利用数据仓库技术，制定专门的统计、分析、预测报表，提供决策支持。

资金监控模式
客户及账户管理
1）为每个成员企业和业务往来银行进行客户编号，登记其详细资料，进行统一管理；
2）体现集团多级层关系，如一级公司、二级公司和银行的总、分、支行层次关系；
3）对集团和成员企业在各银行开设的银行账户进行管理，可将账户区分定义为各种性质，如集团总户、成员企业收款户、成员企业支出户等；
4）定义银行账户的属性，如是否自动归集、是否保留余额等。

支付
1）成员企业支付申请及自定义审批的流程管理；
2）资金管理部门进行支付确认和审批，通过直联平台直接支付；
3）可以结合资金预算功能进行控制；
4）每天利用及时收集的银行交易明细与付款清单进行勾兑

资金预算管理
1）各企业预算额度的定期申报、审核的流程管理；
2）提供预算额度的冻结、追加、撤消等功能管理；
3）联动直联平台进行额度款项的下拨操作；
4）取得的银行交易明细联动预算项目额度；
5）每月各银行支出额度预测、每日各银行资金预算额度执行分析、各类资金预算查询。

银企直联平台
1）定时收集各银行所有账户的余额和交易明细数据，及时保存所有银行历史交易信息；
2）支付指令的自动支付，实时反馈支付的结果；
3）用户自定义的通过网上银行的资金归集和下拨；
4）支持任意多个银行接口，可支持与招行、工行、建行、农行、中行总行的系统直联。

查询统计分析报表
1）独立的报表服务器，可以由用户自定义各种资金流入、流出、统计分析等报表；
2）每日资金流量、及时余额汇总的及时查询；
3）用户定身量做的各种复杂的分析报表，综合查询等。

其他系统对接和对账功能
1）提供与集团财务系统或ERP系统的数据对接，将真实资金信息导入相关系统；
2）提供银行账和企业日记账的自动对账功能，提供余额调节表；
3）提供标准的XML和EXCEL文档格式，方便对其他系统的导入和导出。

企业客户端
1）集团或成员企业及时查询各银行账户的余额和交易信息；
2）提交对外支付或者内部调拨指令，用户自定义审批环节和金额；
3）编制预算额度报表，随时查询预算执行情况；
4）提供企业需要的资金分析报表。

结论
?现代企业集团所面临的环境千变万化，财资管理在企业管理中的重要作用和战略地位已经得到认可。企业需要决策者充分关注财资管理，选择适合企业生存和长远发展要求的财资管理模式和工具。正如当前全球大型企业集团已经广泛使用财资管理专业系统一样，包括外资企业在内的中国主流企业亦已开始意识到需要TMS 来支持管理需求的变化和发展。面向中国特色经济和金融环境的TMS系统方兴未艾，更需要我们基于国际财资管理理念突破传统，在这个演化发展进程中，招商银行责无旁贷。