Mīhini Whakamahi Anō Moni (CRM)
Ko te Mīhini Hangarua Moni (CRM) he taputapu pūtea ratonga-whaiaro matatau e whakamahia ana e ngā peeke hei whakauru i ngā ratonga moni matua—tae atu ki ngā tāpui moni, ngā tango moni, me te hangarua—me ētahi atu mahi kore-moni. Hei putanga whakapai ake o ngā ATM tuku iho (Mīhini Moni Aunoa), ka tino whakarei ake ngā CRM i te whai huatanga o ngā mahi moni ratonga-whaiaro, ā, he whānuitia te whakanoho ki ngā peka peeke, ki ngā pokapū peeke ratonga-whaiaro, ki ngā toa hokohoko, me ngā pokapū kawe waka hei whakatutuki i ngā hiahia o ngā kiritaki 24/7.
1. Ngā Mahi Matua: Kei tua atu i ngā Ratonga Moni Taketake
E tū motuhake ana ngā CRM mō ō rātou āheinga "tukatuka moni rua-ara" (te tāpui me te tango moni) me ngā ratonga kanorau, ka taea te whakarōpū ki ngā mahi e pā ana ki te moni , ngā mahi kore-moni , me ngā āhuatanga tāpiri uara (hei tauira, ko te ratonga CRM Hongzhou Smart mō te mākete Peeke Haina):
| Kāwai Mahi | Ngā Ratonga Motuhake | Ngā Ture/Tuhipoka Noa |
|---|
| Ngā Mahi e Pā Ana ki te Moni (Matua) | 1. Te Tango Moni | - Te rohenga tango moni mō ia kāri: I te nuinga o te wāCNY 20,000 (ka whakaaetia e ētahi peeke ngā whakarerekētanga ki te CNY 50,000 mā te pēke pūkoro). - Te rohenga tango moni takitahi: CNY 2,000–5,000 (hei tauira, ICBC: CNY 2,500 mō ia tauwhitinga; CCB: CNY 5,000 mō ia tauwhitinga), he iti noa ki te 100-yuan ngā tāraitanga. |
| 2. Putunga Moni | - E tautoko ana i te penapena kore kāri (mā te whakauru i te nama pūkete a te kaiwhiwhi) me te penapena kāri rānei. - Ngā moni e whakaaetia ana: CNY 10, 20, 50, 100 (ko ngā tauira tawhito he CNY 100 anake). - Te rohenga tāpui kotahi: 100–200 moni pepa (≈ CNY 10,000–20,000); te rohenga tāpui o ia rā: Ko te tikanga he CNY 50,000 (ka rerekē i runga i te peeke). - Ka manatoko aunoa te mīhini i te pono me te pono o ngā moni pepa; ka whakakahoretia ngā moni pepa rūpahu, ngā moni pepa pakaru rānei. |
| 3. Te Hangarua Moni (mō ngā tauira e āhei ana ki te hangarua) | - Ka rongoatia te moni kua tāpuitia (whai muri i te manatoko) ki roto i te rūma pupuri moni o te mīhini, ā, ka whakamahia anō mō ngā tangohanga moni a meake nei. Mā tēnei ka whakaitihia te auau o te whakakī moni ā-ringa e ngā kaimahi peeke, ā, ka pai ake te whakamahinga moni. |
| Ngā Mahi Kore-Moni | 1. Uiui Pūkete | Tirohia te toenga pūkete me te hītori tauwhitinga (ngā marama 6–12 kua hipa); ka taea te tā i ngā rīhiti tauwhitinga. |
| 2. Whakawhiti Pūtea | - Tautoko ana i ngā whakawhiti i waenga i ngā peeke me roto i ngā peeke. - Te rohenga whakawhiti takitahi: Ko te tikanga he CNY 50,000 (ko te taunoa mō ngā hongere ratonga-whaiaro; ka taea te whakanui ake mā te kaute peeke, te peeke pūkoro rānei). - Tērā pea ka pāngia e ngā utu whakawhiti i waenga i ngā peeke (0.02%–0.5% o te moni whakawhiti, ahakoa ka whakakorehia e ētahi peeke ngā utu mō te peeke pūkoro). |
| 3. Whakahaere Pūkete | Whakarerekētia ngā kupuhipa patai/tauwhitinga, herea ngā tau waea pūkoro, whakahohe/mono i ngā whakaaetanga ratonga-whaiaro. |
| 4. Utu Pire | Utua ngā pire ratonga (wai, hiko, hau), ngā pire waea, ngā utu whare rānei (me whakaae wawe mā te kaute peeke, mā te taupānga rānei). |
| Ngā Āhuatanga Uara-Tāpiri (Ngā Tauira Matatau) | 1. Ratonga Kore Kāri/Mōhio Kanohi | - Tango moni kore kāri : Waihangahia he waehere tango moni mā te pēke pūkoro, kātahi ka tāuruhia te waehere me te kupuhipa ki te CRM hei tango moni. - Te mōhio kanohi : Ka tukuna e ētahi peeke (hei tauira, ICBC, CMB) ngā moni tāpui/tangohanga kanohi mā te matawai kanohi—kāore e hiahiatia he kāri; ka manatokohia te tuakiri mā te kite i te ora hei ārai i te tinihanga. |
| 2. Tāpuitanga Tīke | Ka whakauruhia te hangarau matawai-tēke mō te tāpui i ngā tīke whakawhiti. Whai muri i te matawai, ka manatoko ā-ringa te pēke i te tīke, ā, ka tukuna ngā moni i roto i ngā rā mahi 1–3. |
| 3. Ngā Ratonga Moni Ke | He iti noa ngā CRM (i ngā taunga rererangi o te ao, i ngā peka rānei e pā ana ki tāwāhi) e tautoko ana i ngā tāpui/tango moni tāwāhi (USD, EUR, JPY) (me whai pūkete moni tāwāhi; he rerekē ngā rohe mai i te RMB). |
2. Ngā Wāhanga Matua: Ngā Pūmārō i Hangaia mō te Rerenga Moni Takirua
He uaua ake ngā taputapu o ngā CRM i ngā ATM tuku iho, ā, he wāhanga matua kua whakaritea mō ngā hiahia tāpui me te tango moni:
(1) Wāhanga Tukatuka Moni (Matua)
- Mokowā Tāpui me te Kaiwhakamana Moni Putea : Whai muri i te whakaurunga o te moni, ka whakamahia e te kaiwhakamana ngā pūoko whatu me ngā pūoko aukume hei tirotiro i te moni, te pono, me te pono. Ka whakakahoretia ngā moni pepa rūpahu, kua pakaru rānei; ka whakarōpūhia ngā moni pepa whai mana ki ngā rūma pupuri moni motuhake.
- Wāhi Tango Moni me te Kaituku Moni : Ina tae mai he tono tango moni, ka tangohia e te kaituku moni te moni mai i te rūma pupuri moni, ka tatau, ka whakarite, kātahi ka tukuna mā te wāhi tango moni. Mēnā kāore te moni i kohia i roto i te 30 hēkona, ka tangohia aunoatia, ā, ka tuhia hei "moni taikaha"—ka taea e ngā kiritaki te whakapā atu ki te peeke kia whakahokia mai ngā moni ki tā rātou pūkete.
- Ngā Wāhi Putunga Hangarua (mō ngā tauira hangarua) : Penapenahia te moni kua tāpuihia kua manatokohia hei whakamahi anō i ngā tangohanga moni, hei whakaiti i te whakakī moni ā-ringa.
(2) Wāhanga Whakamana Tuakiri me te Taunekeneke
- Pānui Kāri : Ka pānui i ngā kāri raina aukume me ngā kāri maramara EMV (kāri IC). He haumaru ake ngā kāri maramara, nā te mea ka ārai i te tirotiro mōhiohio.
- Kāmera Mōhio Kanohi (Tauira Matawai-Kanohi) : Ka whakamahi i te kimi ora hei manatoko i te tuakiri, hei aukati i te tinihanga mā ngā whakaahua, mā ngā ataata rānei.
- Mata Pā me te Whakaaturanga : He atanga ngāwari ki te whakamahi (ka whakamahia e ngā tauira tawhito ngā pātene ā-tinana) hei whakaatu i ngā kōwhiringa ratonga, ngā rahinga whakauru, me te whakaū i ngā mōhiohio. He maha ngā wā he tātari ārai-tirotiro kei ngā mata hei tiaki i te tūmataitinga.
- Papapātuhi Kupuhipa : He uhi ārai-tirotiro, ā, ka tautoko pea i ngā "whakatakotoranga kī matapōkere" (ka huri ngā tūranga kī i ia wā) hei ārai i te tahae kupuhipa.
(3) Wāhanga Rīhiti me te Haumarutanga
- Pūreretā Rīhiti : Ka tā i ngā rīhiti tauwhitinga (tae atu ki te wā, te moni, me ngā mati whakamutunga e whā o te tau pūkete). Me pupuri e ngā kaihoko ngā rīhiti hei whakatikatika.
- Haumaru : Kei roto ngā rūma pupuri moni me ngā waeine whakahaere matua; he mea hanga ki ngā rauemi ātete-whakauru, ātete-ahi. Ka hono atu ki te pito o muri o te peeke i te wā tonu—ka whakaohohia he whakaoho mēnā ka kitea he urunga ā-ture.
- Kāmera Tirotiro : Kua tāuta ki runga, ki te taha rānei o te mīhini hei hopu i ngā mahi a te kiritaki, hei āwhina i te whakatau tautohe (hei tauira, "kāore i tukuna ngā moni i muri i te tāpui" "kua tangohia te moni").
(4) Wāhanga Whakawhitiwhiti Kōrero me te Whakahaere
- Rorohiko Ahumahi (IPC) : Hei "roro" o te CRM, e whakahaere ana i tētahi pūnaha whakahaere motuhake hei whakarite i ngā taputapu (kaitātari, kaitātari, pūreretā) me te hono atu ki te pūnaha matua o te peeke mā roto i ngā whatunga whakamuna. Ka tukutahi i ngā raraunga pūkete i te wā tūturu (hei tauira, ngā whakahoutanga toenga, ngā whiwhinga moni).
3. Tohutohu Whakamahinga: Haumaru me te Whai Hua
(1) Mō ngā Putunga Moni
- Kia tino mohio kei roto i ngā moni pepa he kopa, he paru, he rīpene rānei—tērā pea ka whakakahoretia ngā moni pepa kua pakaru.
- Tirohia anō te nama pūkete a te kaiwhiwhi (ina koa ko ngā mati e whā whakamutunga) mō ngā moni tāpui kāre he kāri hei karo i ngā moni e tukuna hētia ana (me whai manatoko peeke uaua te whakahoki mai i ngā moni kua tukuna hētia).
- Ki te whakaatu te mīhini i te "tauhokohoko i rahua" engari kua tangohia te moni, kaua e waiho te pūrere . Whakapā atu ki te ratonga kiritaki mana o te peeke (nama waea kei runga i te CRM) tonu, me te whakarato i te tuakiri o te mīhini me te wā tauwhitinga. Ka whakahokia ngā moni ki tō pūkete i roto i ngā rā mahi 1–3 i muri i te manatoko.
(2) Mō ngā Tango Moni
- Taupokina te papapātuhi ki tō ringa/tinana ina whakauru ana i te kupuhipa hei ārai i te titiro a ngā kāmera, i te huna rānei.
- Tatau tonu te moni i muri i te tango moni; whakaūhia te nui i mua i te wehenga atu (he uaua ki te whakatau i ngā tautohe ina wehe atu koe i te mīhini).
- Kaua e akiaki i te mokamoka tango moni mēnā ka tangohia te moni—whakapā atu ki te peeke kia tukatukahia ā-ringa.
(3) Ngā Whakatūpato Haumarutanga
- Kia mataara ki ngā hapa: Mena he "papapātuhi tāpiri kei roto i te CRM," he "kāmera kua āraia," he "mea ke kei roto i te mokamoka kāri" (hei tauira, ngā taputapu tirotiro), kati te whakamahi ka ripoata ki te peeke.
- Whakakahoretia te "āwhina a te tangata ke": Ki te pāngia koe e ngā raruraru whakahaere, whakapā atu ki te ratonga kiritaki mana o te peeke, toro atu rānei ki tētahi peka tata—kaua rawa e tukua kia āwhina te tangata ke.
- Tiakina ngā mōhiohio pūkete: Kaua rawa e tohaina tō kupuhipa; kaua e pāwhiri i ngā "hononga tauhou" i runga i te atanga CRM (tērā pea ka takahia e ngā kaipahua te atanga hei tahae raraunga).
4. CRM vs. Ngā ATM Tuku Iho me ngā Kaute Peeke
Mā ngā CRM ka honoa te āputa i waenga i ngā ATM tuku iho (tango moni anake) me ngā kaute peeke (ratonga katoa engari he roa te wā), ka tukuna he taurite o te watea me te mahi:
| Ahu Whakataurite | Mīhini Whakamahi Anō Moni (CRM) | ATM tuku iho | Kaute Peeke |
|---|
| Ngā Mahi Matua | Te tāpui, te tango moni, te whakawhiti, te utu pire (maha-mahi) | Tango moni, uiui, whakawhiti (kāore he moni tāpui) | Ngā ratonga katoa (pūtea/tango moni, whakatuwheratanga pūkete, nama, whakahaere rawa) |
| Ngā Herenga Moni | Pūtea: ≤ CNY 50,000/rā; Tangohanga: ≤ CNY 20,000/rā (ka taea te whakarerekē) | Tangohanga: ≤ CNY 20,000/rā (kāore he moni tāpui) | Kāore he rohe mōrahi (me whakarite kia kotahi te rā i mua mō ngā tangohanga nui) |
| Ngā Hāora Ratonga | 24/7 (ngā pokapū ratonga-whaiaro/ngā peka o waho) | 24/7 | Ngā hāora peeke (te tikanga 9:00–17:00) |
| Tere Tukatuka | Tere (1–3 meneti mō ia tauwhitinga) | Tere (≤1 meneti mō te tango) | Pōturi (5–10 meneti mō ia tauwhitinga; tatari i te rārangi) |
| Ngā Horopaki Pai Rawa | Ngā whakawhitiwhitinga moni iti-ki-waenga o ia rā, ngā utu pire | Ngā tango moni ohorere | Ngā whakawhitiwhitinga moni nui, ngā ratonga uaua (hei tauira, te whakatuwheratanga pūkete) |
Hei whakarāpopototanga, ko ngā Mīhini Hangarua Moni he tūāpapa mō te peeke ratonga-whaiaro o ēnei rā. Mā te whakakotahi i ngā ratonga tāpui, tango moni, me ngā ratonga kore-moni, ka tukuna e rātou he whai wāhitanga ki ngā kiritaki 24/7, me te āwhina i ngā peeke ki te whakaiti i te pēhanga me te whakapai ake i te whai huatanga o ngā mahi.
Kua whakamahia whānuitia ā mātou pūnaha peeke ritenga pērā i te CRM/ATM/Kiosk pūkete whakatuwhera peeke i roto i ngā peeke neke atu i te 20 o ngā whenua, he CRM/ATM peeke tā mātou, he kaupapa pūnaha peeke ritenga rānei, tēnā whakapā mai ki tā mātou tīma hokohoko inaianei.