浅谈网上银行在地勘单位资金集中管理中的应用

Discussion on Application of Internet Banking to the Centralized Management of Funds in Geological Prospecting Units

网上银行为确保地勘单位资金集中管理的安全高效提供了新思路和途径。通过网上银行实现了"银企互联";利用Internet技术操作,改变了传统的银行金融服务方式;采用"树状集团开户"的模式,实现资金的集中管理。网上银行加强了地勘单位对各分支机构的资金监管、提高了会计工作效率和财务管理水平、降低了财务费用。选择安全可靠、技术成熟的代理银行,降低网上银行外部风险;选择安全的网络及认证介质,保证网上银行安全登录;建立规范的操作流程和合理的操作权限,保证网上银行安全使用;制定严密的内部会计控制制度,防范"网上银行"业务风险。

Internet banking has provide new ideas and ways for ensuring safe and efficient centralized management of funds in geological prospecting units. This means that through internet banking we have achieved bank-enterprise interconnection. By using internet technical operation, we have changed the traditional way of banking ifnancial services. By adopting the pattern of “tree group accounts”we have realized the centralized management. This paper goes on to look at that through internet banking the fund supervision that geological prospecting units performed to their branches has been enhanced. As a result, the efifciency of accounting work and the ifnancial management level have been increased, thus reducing the ifnancial costs. On this basis, this paper points out that in order to reduce the external risk of online banking, we must choose safe and reliable correspondent banks with mature technology. We must choose secure network and authentication medium so as to ensure a secured login. At the same time, a standard operational process and reasonable operation permission should be established so as to ensure the safe usage of online banking. In addition, strict internal accounting control system should be formulated so as to guard against online banking risk.