Umshini Wokusebenzisa Imali Kabusha (i-CRM)
Umshini Wokuvuselela Imali (i-CRM) uyithuluzi lezezimali elithuthukisiwe elizisebenzela lona elisetshenziswa amabhange ukuhlanganisa izinsizakalo zemali eziyinhloko—kufaka phakathi imali efakwayo, ukukhishwa kwemali, kanye nokuvuselelwa—neminye imisebenzi engeyona imali. Njengenguqulo ethuthukisiwe yama-ATM avamile (iMishini Yokukhokha Ezenzakalelayo), ama-CRM athuthukisa kakhulu ukusebenza kahle kwemali ezisebenzela lona futhi abekwe kabanzi emagatsheni asebhange, ezikhungweni zebhange ezizisebenzela lona, ezitolo ezinkulu, nasezindaweni zokuthutha ukuze kuhlangatshezwane nezidingo zamakhasimende ezingama-24/7.
1. Imisebenzi Eyinhloko: Ngale Kwezinsizakalo Zemali Eziyisisekelo
Ama-CRM avelele ngekhono lawo "lokucubungula imali ngezindlela ezimbili" (kokubili ukufaka imali nokukhipha imali) kanye nezinsizakalo ezahlukahlukene, ezingahlukaniswa ngezigaba ngemisebenzi ehlobene nemali , imisebenzi engeyona imali , kanye nezici ezengeziwe (isibonelo i-CRM Hongzhou Smart isebenzela imakethe yeBhange laseShayina):
| Isigaba Somsebenzi | Izinsizakalo Ezithile | Imithetho/Amanothi Ajwayelekile |
|---|
| Imisebenzi Ehlobene Nemali (Okuyinhloko) | 1. Ukukhipha Imali | - Umkhawulo wokukhipha imali nsuku zonke ngekhadi ngalinye: NgokuvamileCNY 20,000 (amanye amabhange avumela ukulungiswa kube yi-CNY 50,000 ngebhange leselula). - Umkhawulo wokukhipha imali kanye: CNY 2,000–5,000 (isb., ICBC: CNY 2,500 ngokuthengiselana ngakunye; CCB: CNY 5,000 ngokuthengiselana ngakunye), kunqunyelwe ku-multiples ze-yuan eziyi-100. |
| 2. Idiphozithi Yemali | - Isekela idiphozithi engenakhadi (ngokufaka inombolo ye-akhawunti yomamukeli) noma idiphozithi esekelwe ekhadini. - Izinhlobo ezamukelekayo: CNY 10, 20, 50, 100 (amamodeli amadala angamukela kuphela i-CNY 100). - Umkhawulo wediphozithi eyodwa: imali yamaphepha ayi-100–200 (≈ CNY 10,000–20,000); umkhawulo wediphozithi yansuku zonke: Ngokuvamile i-CNY 50,000 (iyahlukahluka ngebhange). - Umshini uqinisekisa ngokuzenzakalelayo ubuqiniso kanye nobuqotho bemali ebhalwe ngebhange; amanothi mbumbulu noma onakele ayanqatshwa. |
| 3. Ukuvuselela Imali (kumamodeli asebenzisa amandla okuvuselela kabusha) | - Imali efakiwe (ngemuva kokuqinisekiswa) igcinwa endaweni yokugcina impahla yomshini bese isetshenziswa kabusha ekukhishweni kwemali esikhathini esizayo. Lokhu kunciphisa ukuvama kokugcwalisa imali ngesandla ngabasebenzi basebhange futhi kuthuthukisa ukusetshenziswa kwemali. |
| Imisebenzi Engeyona Imali | 1. Uphenyo lwe-Akhawunti | Hlola ibhalansi ye-akhawunti kanye nomlando wokuthengiselana (izinyanga ezi-6-12 ezedlule); amarisidi okuthengiselana angaphrintwa. |
| 2. Ukudluliselwa Kwemali | - Isekela ukudluliselwa kwemali phakathi kwamabhange nangaphakathi kwamabhange. - Umkhawulo wokudlulisela okukodwa: Ngokuvamile i-CNY 50,000 (okuzenzakalelayo kweziteshi zokuzisiza; ingandiswa ngekhawunta yebhange noma ngebhange elihambayo). - Izimali zokudlulisela imali phakathi kwamabhange zingasebenza (0.02%–0.5% wenani lokudlulisela imali, yize amanye amabhange ehoxisa izimali zokudlulisa imali ngebhange elihambayo). |
| 3. Ukuphathwa kwe-Akhawunti | Shintsha amaphasiwedi ombuzo/okuthengiselana, bopha izinombolo zocingo, vumela/khubaza izimvume zokuzisiza. |
| 4. Ukukhokhwa Kwebhili | Khokha izikweletu zikagesi (amanzi, ugesi, igesi), izikweletu zocingo, noma izimali zempahla (kudinga ukuqaliswa kwesivumelwano sangaphambilini ngekhawunta yasebhange noma uhlelo lokusebenza). |
| Izici Ezinenani Engeziwe (Amamodeli Athuthukisiwe) | 1. Isevisi Yokuqaphela Ubuso Ngaphandle Kwekhadi | - Ukukhipha imali ngaphandle kwekhadi : Dala ikhodi yokuhoxisa ngebhange leselula, bese ufaka ikhodi + iphasiwedi ku-CRM ukuze ukhiphe imali. - Ukuqashelwa kobuso : Amanye amabhange (isb., i-ICBC, i-CMB) anikeza amadiphozithi/ukukhipha imali ngokuskena ubuso—akudingeki ikhadi; ubuwena buqinisekiswa ngokutholwa kokuphila ukuze kuvinjelwe ukukhwabanisa. |
| 2. Idiphozithi Yesheke | Ihlanganisa ubuchwepheshe bokuskena amasheke ukuze kufakwe amasheke okudlulisa imali. Ngemva kokuskena, ibhange liqinisekisa isheke ngesandla, kanti imali ifakwa ezinsukwini zokusebenza ezingu-1-3. |
| 3. Izinsizakalo Zemali Yakwamanye Amazwe | Inani elincane lama-CRM (ezikhumulweni zezindiza zamazwe ngamazwe noma emagatsheni ahlobene namanye amazwe) asekela amadiphozithi/ukuhoxiswa kwemali yangaphandle (i-USD, i-EUR, i-JPY) (kudinga i-akhawunti yemali yangaphandle; imikhawulo ihlukile ku-RMB). |
2. Izingxenye Eziyinhloko: Ihadiwe Eklanyelwe Ukugeleza Kwemali Okubili
Ama-CRM anehadiwe eyinkimbinkimbi kakhulu kune-ATM yendabuko, enezingxenye eziyinhloko ezenzelwe kokubili izidingo zokufaka kanye nokukhipha imali:
(1) Imojuli Yokucubungula Imali (Eyinhloko)
- I-Deposit Slot & Banknote Verifier : Ngemva kokufakwa kwemali, i-verifier isebenzisa izinzwa ezibonakalayo nezinozibuthe ukuhlola inani, ubuqiniso, kanye nobuqotho. Amanothi mbumbulu noma onakele ayanqatshwa; amanothi asebenzayo ahlelwa ezindaweni ezithile eziqondene nenani.
- Isikhala Sokukhipha Imali kanye Nomsabalalisi Wemali : Lapho ethola isicelo sokuhoxisa imali, umsabalalisi uthatha imali enqolobaneni efanele, ayibale futhi ayihlele, bese eyikhipha ngesikhala sokukhipha imali. Uma imali ingaqoqwa phakathi nemizuzwana engama-30, ikhishwa ngokuzenzakalelayo futhi iqoshwe njengemali "eyeqile"—amakhasimende angaxhumana nebhange ukuze imali ibuyiselwe ku-akhawunti yawo.
- Ama-Vault Okuvuselela (amamodeli okuvuselela kabusha) : Gcina imali eqinisekisiwe efakiwe ukuze isetshenziswe kabusha ngokushesha ekukhishweni kwemali, okunciphisa ukugcwaliswa kwemali ngesandla.
(2) Imodyuli Yokuqinisekisa Ubuwena Nokuxhumana
- Isifundi Sekhadi : Ifunda amakhadi anemigqa yamagnetic kanye namakhadi e-EMV chip (amakhadi e-IC). Amakhadi e-chip aphephile kakhulu, njengoba evimbela ukudluliswa kolwazi.
- Ikhamera Yokubona Ubuso (Amamodeli Okuskena Ubuso) : Isebenzisa ukutholwa kokuphila ukuqinisekisa ubuwena, ivimba ukukhwabanisa ngezithombe noma amavidiyo.
- Isikrini Sokuthinta Nokubonisa : Inikeza isikhombikubona esisebenziseka kalula (amamodeli amadala asebenzisa izinkinobho ezibonakalayo) ukubonisa izinketho zesevisi, inani lokufaka, nokuqinisekisa ulwazi. Izikrini zivame ukuba nezihlungi ezivimbela ukugqolozela ukuze zivikele ubumfihlo.
- Ikhibhodi Yephasiwedi : Inesimbozo esingabonisi futhi ingasekela "izakhiwo zezinkinobho ezingahleliwe" (izikhundla zezinkinobho ziyashintsha isikhathi ngasinye) ukuvimbela ukwebiwa kwephasiwedi.
(3) Imojuli Yerisidi Nokuphepha
- Iphrinta yerisidi : Iphrinta amarisidi okuthengiselana (kufaka phakathi isikhathi, inani, kanye nezinombolo zokugcina ezingu-4 zenombolo ye-akhawunti). Amakhasimende ayalulekwa ukuthi agcine amarisidi ukuze avumelane.
- Kuphephile : Kugcina izindawo zokugcina imali kanye namamojula okulawula ayinhloko; enziwe ngezinto ezingavumeli umlilo, ezingashi. Ixhuma ebhange ngesikhathi sangempela—i-alamu iyavulwa uma kutholakala ukungena ngenkani.
- Ikhamera Yokuqapha : Ifakwe phezulu noma ohlangothini lomshini ukuze iqophe ukusebenza kwamakhasimende, isiza ekuxazululeni izingxabano (isb., "izimali ezingafakwanga ngemuva kokufakwa kwemali" noma "imali ebuyiselwe").
(4) Imodyuli Yokuxhumana Nokulawula
- I-Industrial PC (IPC) : Isebenza "njengobuchopho" be-CRM, isebenzisa i-OS ezinikele ukuxhumanisa ihadiwe (isiqinisekisi, isisabalalisi, iphrinta) futhi ixhumeke ohlelweni oluyinhloko lwebhange ngamanethiwekhi abethelwe. Ivumelanisa idatha ye-akhawunti ngesikhathi sangempela (isb. izibuyekezo zebhalansi, amakhredithi esikhwama).
3. Amathiphu Okusebenzisa: Ukuphepha Nokusebenza Kahle
(1) Ngezimali Ezifakwayo
- Qinisekisa ukuthi imali yamaphepha ayinawo amagoqo, amabala, noma itheyiphu—amaphepha onakele angase enqatshwe.
- Hlola kabili inombolo ye-akhawunti yomamukeli (ikakhulukazi izinombolo zokugcina ezingu-4) ukuze uthole amadiphozithi angenamakhadi ukuze ugweme izimali eziqondiswe kabi (ukubuyisa izimali ezidluliselwe kabi kudinga ukuqinisekiswa kwebhange okuyinkimbinkimbi).
- Uma umshini ubonisa ukuthi "ukuthengiselana kwehlulekile" kodwa imali ibuyisiwe, ungashiyi idivayisi . Xhumana nesevisi yamakhasimende esemthethweni yasebhange (inombolo yocingo ethunyelwe ku-CRM) ngokushesha, unikeze i-ID yomshini kanye nesikhathi sokuthengiselana. Imali izobuyiselwa ku-akhawunti yakho zingakapheli izinsuku ezingu-1-3 zokusebenza ngemuva kokuqinisekiswa.
(2) Kokukhipha Imali
- Vikela ikhiphedi ngesandla/umzimba wakho uma ufaka iphasiwedi ukuze uvimbele ukulunguza noma amakhamera afihliwe.
- Bala imali ngokushesha ngemva kokukhipha imali; qinisekisa inani ngaphambi kokuhamba (izingxabano kunzima ukuzixazulula uma usuphumile emshinini).
- Ungaphoqi ithuba lokukhipha imali uma imali ibuyiswa—xhumana nebhange ukuze licutshungulwe ngesandla.
(3) Izinyathelo Zokuphepha
- Qaphela izinto ezingavamile: Uma i-CRM "inezinkinobho ezinamathiselwe ezengeziwe," "amakhamera avinjiwe," noma "izinto zangaphandle endaweni yekhadi" (isib., amadivayisi okukhipha idatha), yeka ukuyisebenzisa bese ubika ebhange.
- Yenqaba "usizo lomuntu ongamazi": Uma uhlangabezana nezinkinga zokusebenza, xhumana nesevisi yamakhasimende esemthethweni yebhange noma uvakashele igatsha eliseduze—ungavumeli abantu ongabazi bakusize.
- Vikela ulwazi lwe-akhawunti: Ungalokothi wabelane ngephasiwedi yakho; ungachofozi "izixhumanisi ezingajwayelekile" ku-interface ye-CRM (abakhohlisi bangase baphazamise i-interface ukuze bantshontshe idatha).
4. I-CRM vs. Ama-ATM Endabuko kanye Namakhawunta Ebhange
Ama-CRM avala igebe phakathi kwama-ATM avamile (okukhipha imali kuphela) kanye nama-counter asebhange (asebenza ngokugcwele kodwa adla isikhathi), anikeza ibhalansi yokulula nokusebenza:
| Ubukhulu bokuqhathanisa | Umshini Wokusebenzisa Imali Kabusha (i-CRM) | I-ATM yendabuko | Ikhawunta Yebhange |
|---|
| Imisebenzi Eyinhloko | Idiphozithi, ukuhoxiswa, ukudluliselwa, ukukhokhwa kwebhili (okunemisebenzi eminingi) | Ukuhoxiswa, ukubuza, ukudluliselwa (akukho diphozithi) | Izinsizakalo ezigcwele (idiphozithi/ukukhipha imali, ukuvula ama-akhawunti, imali mboleko, ukuphathwa kwengcebo) |
| Imikhawulo Yemali | Idiphozithi: ≤ CNY 50,000/ngosuku; Ukuhoxiswa: ≤ CNY 20,000/ngosuku (kungalungiseka) | Ukuhoxiswa: ≤ CNY 20,000/ngosuku (akukho diphozithi) | Akukho mkhawulo ophezulu (ukukhipha imali enkulu kudinga ukubhukha kusengaphambili kosuku olulodwa) |
| Amahora Esevisi | 24/7 (izikhungo zokuzenzela/amagatsha angaphandle) | 24/7 | Amahora ebhange (ngokuvamile 9:00–17:00) |
| Isivinini Sokucubungula | Okusheshayo (imizuzu engu-1–3 ngokuthengiselana ngakunye) | Okusheshayo (≤1 iminithi yokuhoxisa) | Ihamba kancane (imizuzu emi-5–10 ngokuthengiselana ngakunye; ulinde emgqeni) |
| Izimo Ezinhle Kakhulu | Ukuthengiselana kwemali okuncane kuya kokuphakathi kwansuku zonke, izinkokhelo zebhili | Ukukhishwa kwemali okuphuthumayo | Ukuthengiselana okukhulu ngemali, izinsizakalo eziyinkimbinkimbi (isb., ukuvula i-akhawunti) |
Ngamafuphi, iMishini Yokusebenzisa Kabusha Imali iyinsika yebhange lanamuhla elizisebenzela lona. Ngokuhlanganisa izinsizakalo zokufaka imali, ukukhipha imali, kanye nezinsizakalo ezingezona ezemali, banikeza amakhasimende induduzo amahora angama-24 ngosuku, izinsuku eziyi-7 ngesonto, kuyilapho besiza amabhange ukunciphisa ingcindezi yokulwa nokuthuthukisa ukusebenza kahle.
I-terminal yethu yasebhange eyenziwe ngokwezifiso njenge-CRM/ATM/Bank open account Kiosk isetshenziswe kabanzi emabhange angaphezu kuka-20 emazweni, ine-CRM/ATM yasebhange noma iphrojekthi ye-terminal yasebhange eyenziwe ngokwezifiso, sicela uzizwe ukhululekile ukuxhumana nethimba lethu lokuthengisa manje.