Account management solution
ICBC provides the clients with account management solutions to assist them to set up an account structure suitable for their cash management goals, exercise flexible account control and support their capital management decisions with comprehensive, reliable and timely account information.
● ICBC enjoys more extensive coverage of business offices compared with other banks, and thus provides its clients, member units and their upstream and downstream enterprises with the maximum convenience to establish a banking system which meets their cash management demands.
● ICBC provides its clients with a powerful electronic account information management platform. Without stepping out of their place, the clients can obtain comprehensive information of account balance, account statement of the day and the past of all the member units within the same group, hence strong support for management decision making.
● ICBC offers the clients personalized information remedial recording service to supplement important information missed in cross-bank transactions in the relevant report, so as to help the clients identify the nature of the transaction and guarantee the security of the capital.
● ICBC offers the clients customized account information and sends to the clients' financial system instantly certain content of transaction results and feedback, so as to help the clients with their automatic book keeping and checking, and raise business efficiency.
● ICBC sends instant reminders to clients via short message or email to inform them of capital changes in the account, so as to assist the clients to monitor the capital flow.
● ICBC can also, upon the clients' request, initiate control of their payment and collection targets and supply technical guarantee for the two-line payment and collection operation. Besides, it can exercise control of the accounts' accumulated transaction volume and balance, to meet the clients' different demands in account management.

Centralized payment solution
Centralized payment solution gathers payment business which is originally dispersed among member units into the group financial center or common service center, to materialize unified national payment and maximize value for enterprises in cost, efficiency and risk control. ICBC offers high-quality solution for the clients to establish a centralized payment system.
● ICBC provides the clients with professional consultation and customize their centralized payment implementation plan, to maximize the value of centralized payment while meeting demands in financial and tax management.
● ICBC is rich in capital resources, which can well cope with the strict requirements in bank position management after major capital inflow and outflow in the centralized payment system, hence timely handling of  large-amount payment.
● ICBC owns a powerful payment and settlement system, which guarantees the clients to receive instant payment from the same or different locations without any delay caused by centralized payment, thus easing their mind towards the new payment mode.
● ICBC provides the clients with matching services, to enable them to make payments with different tools and modes using standardized instruction, thus simplifying payment procedures, monitoring risks in the payment process and ensuring security of the capital.

Capital pool solution
The major objectives in cash management are to establish capital pool within the group, maximize the potential of internal capital and reduce dependence on external capital.
● ICBC, with its developed service network, establishes for the clients capital pool covering the whole country and gathers all member units into the pool to unify capital employment.
● ICBC's powerful capital transfer system provides an efficient operation platform for the capital pool, which can instantly centralize internal capital in the group, adjust capital among member units and maximize the function of capital pool.
● ICBC offers the clients various customized capital pool services to enable them not only to deploy internal capital in the group, but also to automatically deal with capital deployment via the ICBC system.
● The clients can opt for the frequency of capital centralization, according to their management requirements, and collect the capital in the time period of every month, ten days, week or day, and they can perform multi collections within the same period.
● ICBC supports capital pool at multi levels. The clients can perform hierarchical capital collection at district, provincial, regional and national levels. ICBC also supports other collection modes such as full sum, remainder sum and holistic sum, etc, so as to realize integration of capital management modes between the bank and the clients.

Collection solution
Speedy reflow of sales income is the key point of high-quality cash management. ICBC fully understands what service is about and it has designed a variety of cash collection tools to help the clients quickly collect cash and maximize cash flow.
●ICBC owns a network of outlets all over the country and therefore it is easier to gather the clients and their downstream enterprises into the bank system, to shorten the time period of pending and push the fund into the account.
● The clients can initiate payment request to the payee, perform direct deduction from the payee's account and receive instant nationwide payment.
● ICBC, with its powerful system platform and business offices, establishes for the clients multi-dimensional cash collection network so as to accelerate reflow of various items of cash for enterprises.
● ICBC provides the clients with a secure and efficient general payment platform to enable them to collect property charge, school tuition, service charge and other fees.
● ICBC offers the clients collection service without an account. The clients can deposit cheque and cash in a nearby ICBC outlet without opening an account and transfer the money to a designated ICBC account within the prescribed time period. While realizing speedy cash collection, this reduces formalities in opening and managing a bank account and thus management cost. 

Temporary capital investment solution
Sustaining payment capability is concerned with the survival of an enterprise. ICBC assists the clients to cope with temporary insufficiency of fund and offers various options of temporary capital investment. It has simplified the formalities to ensure speedy capital investment and secure operation of the enterprise.
● Simple procedures. ICBC offers overdraft service for legal person accounts, and after verifying the overdrafted amount, it allows the clients to obtain fund directly from the verified overdrafted amount when there is not enough deposit in the settlement account.
● Speedy fund recovery. ICBC offers daily overdraft service enabling the clients to make payment directly within the overdrafted amount and settle the account at the end of the day to make up for the overdraft during the day.
● Simple operation. ICBC offers loan service for flowing fund circulation. The clients can sign a one-time loan contract, make multi withdrawals before the expiry date and returns sum by sum. The loan can be circulated with simple formalities to timely meet fund demands.

Risk management solution
The marketization of exchange rates and interest rates has posed new challenges to financial and risk management of enterprises. With its rich business experience and sufficient risk management products, ICBC provides the clients with risk management solution, to ensure the clients' effective control of the risks brought about by fluctuation in exchange rates and interest rates while pursuing profits.
● ICBC assists the clients to effectively manage risks in exchange rates. The clients can appoint the future delivery currency, amount and exchange rate through the far day foreign exchange transaction and foreign exchange settlement and sale business, so as to evade fund losses caused by daily exchange rate fluctuation. ICBC can also provide services in foreign exchange option, currency swap and structural foreign exchange risk management tool, to effectively evade the market risks brought about by exchange rate fluctuation.
● ICBC assists the clients to effectively manage risks in interest rates. Based upon the clients' personalized needs, it can compose suitable interest rate risk evasion plans with various financial derivatives such as future interest rate agreement and interest rate swap, so as to help the clients evade the risks brought about by the market interest rate fluctuation.

Short-term investment solution
To raise efficiency in making use of spare capital and maximize the profit are important objectives for cash management. ICBC customizes for the clients short-term investment plans to raise profit and meet their various short-term investment needs on the basis of security and liquidity of the capital.
● ICBC offers a variety of investment options for the clients to invest in book-entry T-bond, fund, security, insurance, deposit agreement, notice deposit, the ICBC “Smart Loan” and other products, to realize the best combination of profit and risk.
● ICBC can balance the liquidity demands while raising the profit and credit, by cashing in time the sales income by the investment tools, so as to deal with the need for cash.
● The operation is simple. Without stepping out of their place, the clients can grasp investment opportunities via the e-transaction channel provide by ICBC. They can also pre-set transaction conditions to transfer fund automatically between deposit and investment accounts, so as to save cost in investment management.
● ICBC provides the clients with professional consultation service. There is a special wealth management office in the headquarters to supply investment consultation and trustee service for enterprises, to materialize steady and efficient profit.

Supply chain finance solution
ICBC provides the upstream enterprises with investment service for those enterprises in the core position of the supply chain, so as to enhance cooperation between the upstream and downstream and upgrade the value of the whole supply chain.
● Based upon the core enterprises' strong capacity and credibility, ICBC verifies the line of credit for their suppliers, provides credit support and realizes common development of the core enterprises and their suppliers.
● According to the fund demands of the enterprises, ICBC provides them with quick trade investment service.
● Based upon the core enterprises' bills of order, ICBC offers proportional trade investment for the suppliers to be used for production and purchase. The suppliers can also sell the debt right of accounts receivable after selling products to the core enterprises, to achieve speedy investment purpose.  

Centralized foreign exchange management solution
Centralized foreign exchange management is a sure way for MNCs to set up a unified cash management system. With its strong capacity, ICBC offers the clients with quality centralized foreign exchange management solution, to achieve the goal in foreign exchange management.
● ICBC provides comprehensive service in internal foreign exchange settlement and sale, collection and payment of foreign exchange, and foreign exchange entrust loan, to help the clients to maximize the centralized foreign exchange management within the framework of the existing foreign exchange administration policies.
● With its profound understanding of the foreign exchange administration policies and the experience of success gained from service for large MNCs, ICBC is able to provide comprehensive business and staff training in order to qualify the enterprises for the centralized foreign exchange management.
● With its rich system development experience, ICBC is able to provide support in developing the centralized foreign exchange management system.  
● With its powerful foreign exchange transfer and settlement system, ICBC can perform instant internal and external transfer of foreign exchange, to ensure the efficient operation of the centralized foreign exchange management platform.
● With its outstanding advantage in the deposit of foreign exchange, ICBC can supply for the clients sufficient credit line and temporary investment, to meet the clients' cash demands in block foreign exchange transactions and cross-country remittance.

Electronic banking solution
ICBC provides the clients with powerful electronic banking solution, to help them materialize holistic cash management functions such as centralized position and account management, so as to raise cash management efficiency and reduce costs.
● ICBC provides the clients with various e-channels such as the internet, leased line, telephone and mobile phone, to meet different operation needs of the clients.
● With its strong capacity in technical development, ICBC can customize electronic transaction functions according to the individual requirement of the clients, to materialize the seamless matching of the banking system and the clients' financial and management resources, hence the total electronic operation of cash management.
● With its advanced system security mechanism in the international concept, ICBC performs dual control on payment amount and payment direction via the certificate mechanism, to guarantee security of the clients' fund and transaction information.
● ICBC's e-banking 7×24 hours and 365 days non-stop payment system can guarantee to meet payment needs of the clients at any time and in any place.