Umatshini wokuRisayikilisha imali (i-CRM)
Umatshini wokuHlaziya imali (i-CRM) sisixhobo sezemali esiphucukileyo esizisebenzela ngokwaso esisetyenziswa ziibhanki ukudibanisa iinkonzo eziphambili zemali—kubandakanya idiphozithi yemali, ukurhoxiswa kwemali, kunye nokurisayikilisha—kunye nemisebenzi eyongezelelweyo engeyiyo yemali. Njengenguqulelo ephuculweyo yee-ATM zemveli (ii-Automatic Teller Machines), ii-CRM ziphucula kakhulu ukusebenza kakuhle kwemali ezizisebenzela ngokwaso kwaye zibekwe ngokubanzi kumasebe ebhanki, kwiindawo zebhanki ezizisebenzela ngokwaso, kwiindawo zokuthenga ezinkulu, nakwiindawo zothutho ukuhlangabezana neemfuno zabathengi ezingama-24/7.
1. Imisebenzi Engundoqo: Ngaphaya Kweenkonzo Zemali Ezisisiseko
Ii-CRM zibalasele ngekhono lazo "lokucubungula imali ngeendlela ezimbini" (zombini idiphozithi kunye nokutsalwa kwemali) kunye neenkonzo ezahlukeneyo, ezinokwahlulwahlulwa zibe yimisebenzi enxulumene nemali , imisebenzi engeyiyo yemali , kunye neempawu ezongeziweyo (umzekelo, i-CRM Hongzhou Smart isebenza kwimarike yeBhanki yaseTshayina):
| Udidi lomsebenzi | Iinkonzo ezithile | Imithetho/Amanqaku aQhelekileyo |
|---|
| Imisebenzi Enxulumene Nemali (Engundoqo) | 1. Ukurhoxiswa kwemali | - Umda wokurhoxisa imali ngekhadi ngalinye: NgokwesiqheloCNY 20,000 (ezinye iibhanki zivumela uhlengahlengiso kwi-CNY 50,000 ngebhanki yeselula). - Umda wokurhoxisa imali kube kanye: CNY 2,000–5,000 (umz., ICBC: CNY 2,500 ngentengiselwano nganye; CCB: CNY 5,000 ngentengiselwano nganye), ulinganiselwe kwii-multiples ze-100-yuan. |
| 2. Idiphozithi yemali | - Ixhasa idiphozithi engenakhadi (ngokufaka inombolo yeakhawunti yomamkeli) okanye idiphozithi esekwe kwikhadi. - Iintlobo ezamkelweyo: CNY 10, 20, 50, 100 (iimodeli ezindala zingamkela kuphela i-CNY 100). - Umda wediphozithi enye: 100–200 iimali zamaphepha (≈ CNY 10,000–20,000); umda wediphozithi yemihla ngemihla: Ngokwesiqhelo i-CNY 50,000 (iyahluka ngokwebhanki). - Umatshini uqinisekisa ngokuzenzekelayo ubunyani kunye nokuthembeka kwemali esetyenzisiweyo; imali engeyonyani okanye eyonakeleyo iyaliwa. |
| 3. Ukuphinda usebenzise imali (kwiimodeli ezisebenzisa ukuphinda usebenzise) | - Imali efakwe kwi-deposit (emva kokuqinisekiswa) igcinwa kwindawo yokugcina imali yomatshini kwaye ingasetyenziswa kwakhona xa itsalwa imali kwixesha elizayo. Oku kunciphisa ukuphindaphindwa kwemali ehlawulwa ngesandla ngabasebenzi bebhanki kwaye kuphucula ukusetyenziswa kwemali. |
| Imisebenzi EngeyoyeMali | 1. Uphando lweAkhawunti | Jonga ibhalansi yeakhawunti kunye nembali yentengiselwano (kwiinyanga ezi-6 ukuya kwezi-12 ezidlulileyo); iirisithi zentengiselwano zingaprintwa. |
| 2. Ukudluliselwa kweMali | - Ixhasa ukudluliselwa kwemali phakathi kweebhanki kunye nangaphakathi kweebhanki. - Umda wokudluliselwa kwemali kube kanye: Ngokwesiqhelo i-CNY 50,000 (ngokungagqibekanga kwiindlela zokuzinceda; inokonyuswa ngekhawuntara yebhanki okanye ngebhanki yeselula). - Iintlawulo zokudlulisela imali phakathi kweebhanki zinokusebenza (0.02%–0.5% yesixa sokudlulisela imali, nangona ezinye iibhanki zingayihlawuli imali yokudlulisela imali kwibhanki yeselula). |
| 3. Ulawulo lweAkhawunti | Guqula amagama agqithisiweyo ombuzo/umsebenzi, bopha iinombolo zefowuni eziphathwayo, vula/khubaza iimvume zokuzinceda. |
| 4. Intlawulo yeBhili | Hlawula amatyala eenkonzo zikagesi (amanzi, umbane, igesi), amatyala efowuni, okanye amatyala epropathi (kufuneka kuqaliswe isivumelwano sangaphambili ngekhawuntara yebhanki okanye i-app). |
| Iimpawu Ezongeziweyo (Iimodeli Eziphambili) | 1. Inkonzo yoKwazi ubuso engenamakhadi | - Ukurhoxisa imali ngaphandle kwekhadi : Yenza ikhowudi yokurhoxisa imali ngebhanki yeselula, uze ufake ikhowudi kunye negama lokugqitha kwi-CRM ukuze ukhuphe imali. - Ukuqaphela ubuso : Ezinye iibhanki (umz., i-ICBC, i-CMB) zibonelela ngedipozithi/ukutsalwa kwemali kwi-face-scan—akukho mfuneko yekhadi; ubuwena buqinisekiswa ngokuchongwa kobukho bemali ukuze kuthintelwe ubuqhetseba. |
| 2. Idiphozithi yetshekhi | Idibanisa iteknoloji yokuskena itshekhi ukuze kufakwe itshekhi zokudlulisa imali. Emva kokuskena, ibhanki iyayiqinisekisa itshekhi ngesandla, imali ifakwa kwiintsuku ezi-1-3 zomsebenzi. |
| 3. Iinkonzo zemali zangaphandle | Inani elincinci lee-CRM (kwizikhululo zeenqwelo-moya zamazwe ngamazwe okanye kumasebe anxulumene namazwe angaphandle) lixhasa iidiphozithi/ukutsalwa kwemali yangaphandle (i-USD, i-EUR, i-JPY) (ifuna iakhawunti yemali yangaphandle; imida yahlukile kwi-RMB). |
2. Izinto eziphambili: Izixhobo zekhompyutha ezenzelwe ukuhamba kwemali kabini
Ii-CRM zinezixhobo ezintsonkothileyo kunee-ATM zemveli, kwaye zinezixhobo eziphambili ezenzelwe zombini iimfuno zokufaka kunye nokurhoxisa:
(1) Imodyuli yokuCwangcisa imali (engundoqo)
- Idiphozithi yeSlot kunye neBhanki yokuqinisekisa : Emva kokuba imali ifakiwe, i-verifier isebenzisa izinzwa ze-optical kunye ne-magnetic ukujonga ubungakanani, ubunyani, kunye nokuthembeka. Amanqaku obuxoki okanye onakeleyo ayaliwa; amanqaku asebenzayo ahlulwe ngokweendawo ezithile zexabiso.
- I-Withdrawal Slot kunye ne-Cash Dispenser : Xa efumana isicelo sokurhoxisa imali, i-dispenser ifumana imali kwi-vault efanelekileyo, iyibale ize iyilungiselele, ize iyikhuphe nge-withdrawal slot. Ukuba imali ayiqokelelwanga kwimizuzwana engama-30, irhoxiswa ngokuzenzekelayo kwaye irekhodwe njenge "mali engaphezulu"—abathengi banokuqhagamshelana nebhanki ukuze imali ibuyiselwe kwiakhawunti yabo.
- IiVaults zokuRisayikilisha (zeemodeli zokurisayikilisha) : Gcina imali egciniweyo eqinisekisiweyo ukuze isetyenziswe kwakhona ngoko nangoko xa kutsalwa imali, nto leyo enciphisa ukuphinda kubuyiselwe imali ngesandla.
(2) Imodyuli yoQinisekiso loBuwena kunye nokuNxibelelana
- I-Card Reader : Ifunda amakhadi anemigca emagnethi kunye namakhadi e-EMV chip (amakhadi e-IC). Amakhadi e-chip akhuselekile ngakumbi, njengoko ethintela ukungakwazi ukufumana ulwazi.
- Ikhamera yokuQonda Ubuso (Iimodeli zokuSkena Ubuso) : Isebenzisa ukuchongwa kobomi ukuqinisekisa ubuwena, ithintela ubuqhetseba ngeefoto okanye iividiyo.
- Isikrini sokuchukumisa kunye nomboniso : Ibonelela ngojongano olusebenziseka lula (iimodeli ezindala zisebenzisa amaqhosha abonakalayo) ukubonisa ukhetho lwenkonzo, ubungakanani bokufaka, kunye nokuqinisekisa ulwazi. Izikrini zihlala zinezihluzi ezichasene nokukroba ukukhusela ubumfihlo.
- Ikhibhodi yephasiwedi : Inesiciko esingavuliyo kwaye inokuxhasa "ulwakhiwo lwezitshixo olucwangcisiweyo" (izikhundla zezitshixo ziyatshintsha ngalo lonke ixesha) ukuthintela ukubiwa kwephasiwedi.
(3) Imodyuli yerisithi nokhuseleko
- Iprinta yerisithi : Iprinta iirisithi zentengiselwano (kuquka ixesha, isixa, kunye neenombolo ezi-4 zokugqibela zenombolo yeakhawunti). Abathengi bayacetyiswa ukuba bagcine iirisithi ukuze zilungelelaniswe.
- Ikhuselekile : Igcina ii-vault zemali kunye neemodyuli zolawulo oluphambili; zenziwe ngezinto ezithintela umlilo, ezingatshiyo. Iqhagamshela kwi-backend yebhanki ngexesha langempela—i-alamu iyavulwa ukuba kufunyenwe ukungena ngenkani.
- Ikhamera yokujonga : Ifakwe phezulu okanye ecaleni komatshini ukuze irekhode imisebenzi yabathengi, inceda ekusombululeni iingxabano (umz., "imali engafakwanga emva kwediphozithi" okanye "imali ebuyiselweyo").
(4) Imodyuli yoNxibelelwano noLawulo
- I-Industrial PC (IPC) : Isebenza "njengengqondo" ye-CRM, isebenzisa i-OS ezinikeleyo yokulungelelanisa i-hardware (i-verifier, i-dispenser, i-printer) kwaye iqhagamshelane nenkqubo ephambili yebhanki ngeenethiwekhi ezifihliweyo. Ivumelanisa idatha yeakhawunti ngexesha langempela (umz., uhlaziyo lwebhalansi, iikhredithi zengxowa-mali).
3. Iingcebiso Zokusebenzisa: Ukhuseleko Nokusebenza Kakuhle
(1) Kwimali ebekelwe iidiphozithi
- Qinisekisa ukuba imali yamaphepha ayinazo iziqwenga, amabala, okanye iteyipu—amanqaku onakeleyo anokwaliwa.
- Jonga kabini inombolo yeakhawunti yomntu ofumana imali (ingakumbi amanani ama-4 okugqibela) ukuze ubone ukuba akukho mali ifakwayo ngaphandle kwekhadi ukuze uphephe imali engasetyenziswanga kakuhle (ukubuyisela imali edluliselwe kakubi kufuna ukuqinisekiswa kwebhanki okuntsonkothileyo).
- Ukuba umatshini ubonisa ukuba "intengiselwano ayiphumelelanga" kodwa imali irhoxisiwe, musa ukuyishiya loo fowuni . Nxibelelana nenkonzo yabathengi esemthethweni yebhanki (inombolo yefowuni eposwe kwi-CRM) ngoko nangoko, unike isazisi somatshini kunye nexesha lokuthengiselana. Imali iya kubuyiselwa kwiakhawunti yakho kwiintsuku ezi-1-3 zokusebenza emva kokuqinisekiswa.
(2) Ngokukhupha imali
- Khusela ikhiphedi ngesandla/umzimba wakho xa ufaka igama eligqithisiweyo ukuthintela ukukroba okanye iikhamera ezifihliweyo.
- Bala imali kwangoko emva kokuyikhupha; qinisekisa isixa ngaphambi kokuba uhambe (iingxabano kunzima ukuzisombulula xa uphumile ematshinini).
- Musa ukunyanzelisa ithuba lokutsala imali ukuba imali irhoxisiwe—nxibelelana nebhanki ukuze isetyenzwe ngesandla.
(3) Amanyathelo okhuseleko
- Lumkela izinto ezingaqhelekanga: Ukuba i-CRM "ineekhibhodi eziqhotyoshelweyo ezongezelelweyo," "iikhamera ezivaliweyo," okanye "izinto zangaphandle kwindawo yekhadi" (umz., izixhobo zokuskena), yeka ukuyisebenzisa kwaye uxele ebhankini.
- Yenqaba "uncedo lomntu ongamaziyo": Ukuba udibana neengxaki zokusebenza, nxibelelana nenkonzo yabathengi esemthethweni yebhanki okanye undwendwele isebe elikufutshane—ungaze uvumele abantu ongabaziyo bakuncede.
- Khusela ulwazi lweakhawunti: Ungaze wabelane ngegama lakho eligqithisiweyo; ungacofi "iikhonkco ezingaziwayo" kwi-CRM interface (abakhohlisi banokuphazamisa i-interface ukuze babe idatha).
4. I-CRM vs. Ii-ATM zeMveli kunye neekhawuntara zeBhanki
Ii-CRM zivala umsantsa phakathi kwee-ATM zemveli (ezikhupha imali kuphela) kunye neekhawuntara zebhanki (ezisebenza ngokupheleleyo kodwa zithatha ixesha), zibonelela ngokulinganisela kokusebenziseka lula:
| Umlinganiselo wokuthelekisa | Umatshini wokuRisayikilisha imali (i-CRM) | I-ATM yesiqhelo | Ikhawuntara yeBhanki |
|---|
| Imisebenzi Engundoqo | Idiphozithi, ukurhoxisa, ukudluliselwa, intlawulo yebhili (imisebenzi emininzi) | Ukurhoxiswa kwemali, umbuzo, ukudluliselwa kwemali (akukho diphozithi) | Iinkonzo ezipheleleyo (idiphozithi/ukurhoxisa, ukuvula i-akhawunti, imali mboleko, ulawulo lobutyebi) |
| Imida yemali | Idiphozithi: ≤ CNY 50,000/ngosuku; Ukurhoxiswa: ≤ CNY 20,000/ngosuku (inokulungiseka) | Ukurhoxiswa kwemali: ≤ CNY 20,000/ngosuku (akukho diphozithi) | Akukho mda uphezulu (ukurhoxisa imali eninzi kufuna ukubhukisha kwangaphambili kosuku olunye) |
| Amaxesha Eenkonzo | I-24/7 (amaziko okuzenzela/amasebe angaphandle) | 24/7 | Amaxesha ebhanki (ngesiqhelo 9:00–17:00) |
| Isantya sokuSebenza | Ukukhawuleza (imizuzu eyi-1–3 ngentengiselwano nganye) | Ukukhawuleza (≤1 umzuzu wokurhoxisa) | Icotha (imizuzu emi-5–10 ngentengiselwano nganye; ulinde emgceni) |
| Imeko Ezifanelekileyo | Iintengiselwano zemali ezincinci ukuya kweziphakathi zemihla ngemihla, iintlawulo zeebhili | Ukutsalwa kwemali ngexesha likaxakeka | Iintengiselwano zemali ezinkulu, iinkonzo ezintsonkothileyo (umz., ukuvula iakhawunti) |
Ngamafutshane, iiMachines zokuRisayikilisha imali zisisiseko seenkonzo zanamhlanje zokuzisebenzela. Ngokudibanisa iinkonzo zokufaka imali, ukurhoxisa imali, kunye neenkonzo ezingezizo zemali, zibonelela abathengi lula iiyure ezingama-24 ngosuku, iintsuku ezisi-7 ngeveki, ngelixa zinceda iibhanki ukunciphisa uxinzelelo kunye nokuphucula ukusebenza kakuhle.
Ii-terminal zethu zebhanki ezenzelwe wena ezifana ne-CRM/ATM/Bank open account Kiosk zisetyenziswe kakhulu kwiibhanki ezingaphezu kwama-20 zamazwe, zine-CRM/ATM yebhanki okanye iprojekthi ye-terminal yebhanki ezenzelwe wena, nceda uzive ukhululekile ukunxibelelana neqela lethu lokuthengisa ngoku.