“We paid the salary on the 10th. Before the closure, we ignored many possible variables and didn’t take the U shield out of the office. As a result, the employees’ salaries can’t be paid now.” The person in charge of the enterprise said on the “anti epidemic and enterprise assistance” platform recently opened by first finance.
As a main means for banks to identify customers, U shield plays an important role in enterprise capital payment. The first financial reporter learned that during the closure and control of the epidemic in Shanghai, many enterprises had the situation of “separation of human shield”. The financial personnel of the company failed to bring U shield with them, which led to the failure of enterprises to smoothly pay wages, repay loans and pay, increasing the pressure on enterprise cash flow.
For this difficult problem, the first financial reporter interviewed a number of banks and learned that most banks have established emergency plans, such as verifying the willingness of enterprises to send on behalf through remote video connection, transmitting encrypted electronic data and other materials through designated mailbox, opening emergency distribution channels, etc., so as to handle relevant businesses for enterprises and avoid the “disconnection” of enterprise cash flow. However, the specific application and operation methods of different banks are different. It is suggested that enterprises further contact the business handling bank to inquire about relevant information.
bank establishment emergency plan
“U shield itself is a way for banks to identify customers. In the absence of U shield, there is a great risk for banks to process transfers.” A senior banker told reporters.
Without u-shield, how can banks verify the transfer intention of enterprises? First finance and economics learned that in view of the “separation of human shields” during the epidemic, many large state-owned banks and joint-stock banks are improving the security of transfer payment while meeting the capital needs of enterprises through various channels and methods.
China Construction Bank Corporation(601939) Shanghai Branch told reporters that during the period of epidemic control, the bank has established an emergency plan to verify the authenticity of the customer’s identity and willingness to send wages through online banking due to the absence of online silver shield, and use the designated email to transmit encrypted electronic data and other materials to temporarily open the emergency counter distribution channel for customers, Meet their urgent demand for paying wages on behalf of others.
Bank Of Communications Co.Ltd(601328) Shanghai branch also told reporters that for the urgent demand of enterprises for paying wages and facing the situation of “separation of human shield”, a special plan has been formulated to implement the docking of special personnel. Enterprise customers can download keys and transfer documents online through the portal website to solve the practical problems of paying wages; In addition, for units related to people’s livelihood such as guarantee supply enterprises, on the premise of ensuring capital security, the bank will also meet the basic payment requirements through udun self-service extension, “Bank of communications on cloud”, offline emergency payment and other means.
In the joint-stock bank, Industrial Bank Co.Ltd(601166) Shanghai Branch told reporters that recently, the bank sorted out the special treatment processes of some accounting settlement businesses and issued normative opinions based on the principle of “urgent affairs and special affairs”, so as to ensure the continuity of business.
LWL (Shanghai) is a food company. Because the financial director of the company did not take netshield home, the enterprise can not pay wages normally. If the salary cannot be paid on time, the life security of the company’s employees and the loan repayment of the garage will be affected Industrial Bank Co.Ltd(601166) Shanghai Branch learned about the company’s demand, and the enterprise cooperated to issue corresponding materials through remote video connection to verify the distribution intention.
After confirming the required materials, the bank accelerated the approval speed and quickly redeemed the corresponding amount from the financial products held by the customer for the transfer of employees’ wages. Finally, the payroll business was completed in only one and a half days. On April 10, the salary entered the “money bag” of 48 enterprise employees on time.
In terms of specific operation process, in the case of “separation of human shield”, Industrial Bank Co.Ltd(601166) Shanghai Branch mainly organizes the account manager, compliance and accounting supervisor, enterprise finance, legal representative, etc. to complete the adjustment through online conference video, so as to understand the actual situation and retain the trace of communication. At the same time, the legal representative shall sign relevant official letters. If there is a physical seal around, it shall be stamped with the official seal or financial seal of the enterprise, and the financial department of the enterprise shall issue a payroll on behalf of the enterprise; After being verified and approved by the relevant departments of the bank, the issuing operation shall be completed for the enterprise.
“The bank will handle it according to the actual situation of enterprise customers.” China Everbright Bank Company Limited Co.Ltd(601818) Shanghai branch also told reporters that the key is to verify the purpose of the transfer and the information of the payee with the enterprise, and transfer the funds under the condition of controllable risk. The transfer of funds for purposes such as salary payment, tax payment and social security payment can be handled manually after video verification with the financial director or legal representative of the enterprise.
If the customer’s willingness to handle the business can not be verified through the video counter of the bank, the reporter can provide relevant materials for the customer through the remote counter, and the reporter can also provide relevant materials for the customer’s willingness to handle the business through the remote counter.
In addition, for the needs of some enterprises to open accounts, the reporter also learned that some banks have launched “zero contact” public account opening services. According to the relevant person of China Merchants Bank Co.Ltd(600036) Shanghai Branch, the “zero contact” account opening process solves the difficulty that enterprise customers are unable to visit the counter and it is difficult to verify their documents during the epidemic. Through the “cloud” signing mode, video witnesses the original documents and agreement signing process of customer account opening materials, so as to ensure the authenticity of customer account opening materials, And with the signing video and the account opening information mailed by the customer to the counter after signing the contract, we can activate the corporate account for the customer. Under this mode, the enterprise can go to the counter to complete the relevant account opening procedures after the closure is lifted.
technology enabled assistance for remote Invoicing
“The epidemic situation was sealed and controlled, and the express delivery was unable to be sent, resulting in that the bills could not be sent in time. In the past two months from March to now, there was no invoice sent, and there was no payment collection without invoice, which also resulted in the reduction of cash flow”, “the business process was stagnant, there was no logistics, the contract signing process could not be completed, and invoices could not be issued” “The factory was completely closed, and many external daily business activities, such as official seal, bidding, collection, invoicing, L / C issuance and so on, could not be handled in the company, which seriously affected the follow-up business” In addition to the problem of fund payment, on the “anti epidemic and enterprise assistance” platform of first finance, many enterprises reported that there was great pressure on the return of funds due to the inability to issue invoices.
“Indeed, during the epidemic, many enterprises could not issue invoices because the tax control panel was in the company, or they could not receive the invoices of the current month, or the amount of invoices of each month could not be used effectively.” Huang Yuan, general manager of Shanghai Xinyue Logistics Enterprise Management Co., Ltd. and several new stars Internet (Shanghai) Co., Ltd., told reporters that this will cause problems in the return of enterprise funds. For example, the accounting period of logistics enterprises is generally one quarter. Because invoices cannot be issued, the return of funds will be blocked.
As a company specialized in providing digital services for enterprises, Huang Yuan’s company received many such needs during the epidemic. In order to solve this problem, Huang Yuan said that the company can provide enterprise end remote billing service with the help of self-developed technology. After the invoice is issued, the company can first send the electronic version to the settlement party for settlement.
In terms of specific operation, “the enterprise should centrally host the tax u-shield on the cabinet of the company’s operation center. Through our self-developed remote authentication technology, we can initiate Invoicing instructions on a specific service website or mobile app. The operation center will receive instructions and transfer the enterprise’s u-shield. Through AI Siasun Robot&Automation Co.Ltd(300024) personification operation, we can print and send paper invoices or send electronic invoices.” Huang Yuan said.
It is reported that at present, there are more than 3500 small and medium-sized enterprises hosted in the company’s operation center, of which more than 2600 enterprises are in the logistics industry. From March 28 to April 22, the company’s operation center issued 684 invoices, 4846 invoices and a total of 260 million yuan.
For enterprises, the first mock exam, Huang Yuan said, can save the operation cost of enterprises, especially the sudden situation of epidemic. The company can handle invoice issuance, business tax declaration and so on. It can be extended to tax reporting and financial bookkeeping very conveniently, and can effectively help enterprises resume work and resume production. “At present, we are also docking with the banking system to try the business cooperation opportunity of bank U shield.”
