Bill Pool Platform

Fields of Application

Finance, finance companies, healthcare, transportation, and other industries

Solution Overview

The Bill Pool Platform is a new "enterprise-enterprise integrated financing business management platform" independently developed by Beiming Mingrun. Through the business transformation of the e-ticket system, the platform realizes online bank acceptance/liquidity loan, multi-account automatic settlement, optimizes the efficiency of e-bill pool transactions, one-click online contract financing, enriches system business functions, improves system service content, meets customer business needs, helps banks expand customers, retain customers, improve customer satisfaction, provides customers with low-risk, low-cost, more stable public financial services, and enhances the competitiveness of both banks and enterprises.

Solution Highlights

1. 1. Advanced technical architecture

The platform adopts mainstream technology in the industry. Based on an open platform, it meets the future information technology architecture requirements of the financial industry, giving itself good applicability, flexibility, and scalability. The back-end adopts a micro-services architecture to meet the needs of massive business data processing in terms of performance, and meets the needs of distributed deployment, dual data centers, and load balancing.
2. Modularized loose coupling design
The platform adopts a modularized design with low coupling, supports hot-swap management, and can be plugged in and used by customers as required. At the same time, the platform can reorganize components to realize new functions according to the different requirements of business and asset varieties.
3. A security management system
The platform has a complete security management system, including technical management system, business management system, and internal control management system, to ensure high security through user identity authentication, access control, and other means, effectively ensure the security of customer information and materials, and meet the needs of auditing and security authentication.

Solution Architecture

The Bill Pool Platform adopts a component-based design. Based on react technology, the SPA model is developed to achieve the separation of the front and back ends of the architecture. The bottom layer is based on the micro-services architecture, which can support distributed deployment.

Business Value

The Bill Pool Platform helps financial institutions such as banks and finance companies to bring the convenience of bill management to corporate customers. It also provides more favorable and fast financing services to facilitate the centralized management of bill assets, which greatly reduces the human, operational, and financial costs of corporate bill management. The Bill Pool Platform makes full use of commercial banks' own reserves in internal control management and human resources in bills, leverages the advantages of interbank channels of cross-border operation among financial institutions, strengthens product innovation, and meets the multi-level and multi-objective needs of customers. In addition, the use of bill pool financing solves the problem of commercial banks' lack of guarantee resources and the pressure of homogeneity and guarantee risk control of commercial banks in the face of fierce interbank competition.

Application Scenarios

Scenario 1: Amount mismatches in purchases and sales
Enterprises can avoid the high discounted interest generated by the discounting of bills acceptance by banks. At the same time, after re-billing, the par value can be re-determined by the enterprise. Compared with the direct endorsement transfer, the payment has greater flexibility and operability.
Scenario 2: The accepting bank mismatches in purchases and sales
Enterprises can avoid the high discounted interest generated from the discounting of bank acceptance bills by splitting the bills. After reissuing the bills, the bank that issued them will act as the accepting bank.

Successful Cases