In China, online transfer is called the second generation payment system. Because the first generation payment system can not effectively meet the needs of flexible access of banking financial institutions and the operation and maintenance mechanism can not meet the needs of system management, the second generation payment system came into being. Super-network transfer can provide flexible access mode, clearing mode and more comprehensive liquidity risk management means for banking financial institutions, realize online banking interconnection, support emerging electronic payment business processing and RMB cross-border payment settlement, and realize PVP settlement of local and foreign currency transactions.
The settlement of foreign exchange funds in China is completed through the foreign currency payment system, and the settlement time of RMB and foreign currency is not synchronized. The super-net transfer system is connected with the domestic foreign currency payment system, and the settlement efficiency is improved and the settlement risk is reduced through point-to-point payment and settlement between RMB and foreign currency. Super-network transmission has perfect backup function, powerful information management and data storage function, and operation and maintenance mechanism. The internal transmission of the super network adopts a unified message standard in XML format, which promotes the standardization and internationalization of message formats among participating institutions, facilitates the system access and business processing of participating institutions, and reduces the cost of inter-institutional interconnection. Super-network transfer improves the liquidation efficiency, broadens the service scope and strengthens the operation monitoring.
Enterprise online banking is an online banking service developed by banks for enterprise users. Compared with personal online banking, corporate online banking has higher security level and more functions for enterprises. Enterprise online banking is rapidly developing into an innovative force in the existing business model of enterprises and a powerful booster to help customers steadily enter the new era of e-commerce.
There is no handling fee for paying wages through corporate online banking. Generally speaking, employees' bank cards will be unified if they are paid by banks. Paying wages is actually a transfer behavior (peer, city), and there is no need to charge a handling fee.
Professional institutions make batch and centralized payments through their own networked core business processing systems, automatically transfer relevant wages and other funds into bank cards or personal settlement accounts agreed by depositors in advance, pay wages on behalf of enterprises and institutions, and also pay social welfare insurance benefits on behalf of social insurance bureaus. Paying wages on behalf of the bank is a bit of a star, saving time and effort. Centralized payment is safe and fast.