Bank-enterprise direct linkage, also known as bank-enterprise interconnection, refers to the interaction of data and information between enterprises and banks through the establishment of their own capital management system internally, so as to facilitate enterprises to query account information and transaction details in real time, as well as handle settlement, loans, bill management and other businesses.
As the bank-enterprise direct linkage brings more convenience to corporate treasury management, and can also provide banks with more customer resources and business opportunities, many large groups and financial institutions have connected to the bank-enterprise direct linkage.
However, there are two sides to everything, and behind the convenience of direct connection between banks and enterprises, there are also some problems that are easy for enterprises to ignore. With the change of the times and the improvement of management level, for group enterprises with a large number of bank accounts, these problems are likely to become a stumbling block for enterprises to achieve refined financial management.
1. What are the pain points of bank-enterprise direct linkage?
1. Long deployment cycle.
According to the latest interbank number information database released by the central bank, there should be no more than 300 banking institutions that can provide direct connection interface services in the country, and the direct connection between banks and enterprises needs to be applied for, developed and debugged with the docking banks one by one, and the banks need to actively participate and cooperate during this period. Whether it is the cost of communication, time, or deployment, it is difficult for enterprises to bear, so many enterprises.
Only banks with more concentrated business will be opened for bank-enterprise direct linkage.
2. Access mode.
At present, there are two main access methods for major banks: public network access and private line access. The cost of public network access is low, but the network is easily affected by external factorsAlthough the speed of the private line access network is stable, the cost is relatively high, and the line needs to be rented on a monthly and annual basis, which undoubtedly increases the operating cost of the enterprise.
3. There is a conflict in the business.
If some enterprises need to list a large number of transactions, or frequently query online banking during a special period, they may be limited by network bandwidth and cannot complete the operation.
And Jin Zhiwei smart online banking can solve the above problems very well.
2. What is Jin Zhiwei smart online banking and what is its role?
First of all, Jin Zhiwei intelligent online banking is to simulate the operation of human employees on the computer through digital employees, automatically ** bank account balances, flow details, bank receipts, statements, bills and other information from each bank online banking system, and apply OCR technology to identify bank receipts, form structured and standardized data, import data into the treasury system, and quickly realize the direct connection between banks and enterprises in all bank accounts.
Secondly, Jin Zhiwei smart online banking only needs the enterprise to open an online banking account to dock. Compared with bank-enterprise direct linkage, in the list of banks developed by Jin Zhiwei, the deployment cost of smart online banking projects is only one-third or even less, and the project period is only 2 3 days, while bank-enterprise direct linkage often takes 1 2 months.
In addition, Jin Zhiwei smart online banking adopts local deployment, which can better meet the needs of enterprises for data security and management, and all data is under the independent management of enterprises, and the security of private data is well guaranteed.
IIIWith the direct connection between banks and enterprises, do you still need Jin Zhiwei smart online banking?
The answer is yes!
Jin Zhiwei smart online banking and bank-enterprise direct connection are complementary relationships, and it only takes 2 to 3 days to achieve docking with a new bank. For enterprises, Jinzhiwei smart online banking can make up for the banking machines that have not opened the direct connection between banks and enterprises, improve the scope of bank-enterprise connection, improve the efficiency of bank-enterprise connection, promote the comprehensive and seamless connection between banks and enterprises, and greatly improve the connection ability of banks and enterprises.
At present, Jinzhiwei smart online banking has supported the vast majority of mainstream banks in China, realizing out-of-the-box deployment and out-of-the-box use. The undeveloped bank list can also be deployed within 1-2 weeks, without the need to coordinate with the bank, which greatly reduces the communication cost, time cost and deployment cost of the project.