I. End-to-End Automated Collaboration (Solving Fragmented Processes)
1. Seamless System Integration: Direct connection with the CPES system, internal core, and credit systems to form a closed loop of “Initiation – Approval – Interaction – Accounting.”
2. Differentiated Workflow Control: For acceptance business, the process follows “internal booking before CPES submission”; for other business types, “CPES submission before booking.” Rules are automatically parameterized.
3. Automated Cross-System Interaction: Bill information is synchronized in real time to CPES, with automatic receipt feedback and booking; credit approval results are fed back via interfaces without manual input.
4. Configurable Approval Flow: Approval nodes (e.g., bill platform review, credit approval) can be parameterized; supports flexible rule-setting, such as whether credit approval can be forcibly overridden.
II. Multi-Layer Risk Control (Solving Weak Risk Management)
1. Trade Background Verification: Acceptance and discounting must be linked to contracts and invoices; supports batch management with automated integrity and consistency checks.
2. Bill Status Control: Bill numbers are hyperlinked for real-time bill face verification; once bills enter a list, they are automatically locked to prevent duplicate selection; during discounting or pledging, bill validity is automatically verified.
3. Strict Credit Approval Binding: Business processes are tightly linked with credit approval; without passing approval, subsequent steps cannot proceed.
III. Intelligent Operations and Batch Processing (Solving Cumbersome Operations)
1. Smart Bill List Management: Supports both “agreement-first, then bill selection” and “bill selection-first, then agreement generation.” Bills can be filtered via conditional queries, added/deleted in batches, with real-time state synchronization and lock/unlock.
2. Automated Interest Calculation and Review: For discounting, the system automatically calculates interest and net proceeds; supports both “browse-only” and “dual-entry” verification modes, parameterized to match risk control needs.
3. Batch Debit and Status Tracking: For bank bills due, debiting can be triggered automatically (at start/end of day) or manually; supports batch debit selection, with real-time feedback and proactive status checking.
IV. Comprehensive Business Coverage (Solving Incomplete Coverage)
1. Full Coverage of Core Businesses: Supports acceptance, discounting (including repo redemption), guarantee, pledge, collection, and recourse; applicable to paper bills, ECDS e-bills, and next-generation bill formats.
2. Support for Innovative Business: Includes second-level discounting (agreement, termination, access rule configuration, dynamic pricing), second-level issuance, bill pools, supply chain bills, and bill-based payments.
3. CPES Interaction and Operations: Enables querying of bill details (including transaction history and message flows), handling of message and decryption exceptions, ensuring stable connectivity with CPES.
