The bank has successfully signed a payroll payment , what are the benefits of this business to the

The handling fee is the direct profit of "salary payment", and the company's handling fee for large quantities is 2 yuan. Naturally, according to the different business scale and the number of employees, the actual cost can be discussed, and the specific cost is implemented in accordance with the agency agreement, which is generally not less than the yuan. The salary payment must be left by the employee in the financial institution ID card information, contact **, financial institutions can easily speculate the employee's "funds" through the employee's card habit, <

As a result, other business services are further provided to employees in a purposeful manner, such as savings, investment and wealth management, treasury bonds, commercial insurance, bank credit cards, housing loans, and consumer loans, which greatly enhance the bank's ability to acquire customers and further expand its fixed income. Don't underestimate the cost of this two-yuan distribution, although the bank in the individual employee each year to get a small handling fee of only one or twenty yuan, but in China but the human capital power, according to the employment of more than 100 million people, the annual salary payment fee across the country can reach the level of 10 billion yuan.

Taking Zhaoxing as an example, in 2019, there are more than 30 million individual customers, and if the daily cost per person is 10 yuan, the net profit can reach 300 million. More important "salary payment" as the first business, for the bank are no risk, credit business financial institutions also have to consider bad debt losses, overdue problems, "salary on behalf of the problem" is not a little bit of these aspects of the risk of trouble, it can be said that "a million profits".

Compared with the asset business and liability business, the "credit business" has the advantages of low risk and huge low cost, which is why all banking industries are striving to expand the credit business such as salary issuance, settlement business, document guarantee business, and loan commitment business process. For each bank, the most direct profit of salary payment is the handling fee, at this stage, each bank will have a certain handling fee for salary payment, how much is the handling fee, different bank charging standards are different.

In this way, the number of account openings will increase, because some bank text messages are charged, and one more person will have an additional fee for opening an account.

The bank successfully signed a payroll payment service, which is conducive to expanding the bank's network, enhancing the bank's reputation, and increasing the bank's business development. Increase the flow of funds from banks.

1. It can bring a certain amount of income to the bank.

Generally, the bank's salary will not be paid for free, there will be a certain intermediate income, which is equivalent to labor remuneration, although this part of the money is very small, but if the bank signs a lot of companies' wages, then together, there is a lot of income a month, and now many are batch system processing, so it does not take much labor, so many banks like to sign the salary on behalf of the payment.

2. It can improve the savings rate and performance.

Banks hope that their banks can have more money, through the signing of wages, the company will put a part of the money in the bank, which is equivalent to a lot of savings, and the bank can use this part of the money in other places, when the need to pay wages, and then transfer a part of the money, so it can improve the savings rate, in addition, it can also indirectly improve the bank's performance, when employees know that their wages are issued through the same bank, Then there will be more trust in this bank, and many people will come to this bank to withdraw money, and they can launch their other products by the way, so as to help improve the bank's performance and increase income, so the bank likes to sign up for salary payment.

1. Benefits: 1. For enterprises, the bank can be used to handle large credit cards and loans;

2. It can lay a good groundwork for the future enterprise to become bigger and stronger;

3. For employees, it can reduce cash custody and reduce cash loss and damage.

2. Disadvantages: 1. It is not conducive to low-income employees to handle credit business;

Extended information: 1. The business of paying wages on behalf of a commercial bank refers to the business of a commercial bank accepting the entrustment of the entrusting unit and transferring the wages, bonuses and other income paid by the entrusting unit to the employees of the unit to the current savings account opened by the designated employee in the bank. From the perspective of payment forms, payroll business includes three forms:

Passbooks, debit cards and credit cards.

2. Business characteristics Enterprises can handle payroll business on the spot at the counter of bank outlets. If the business is interested, it can first sign a payroll agreement with a commercial bank based on the principle of mutual benefit. If enterprises use the functions of the corporate finance room of online banking, they can obtain better and more efficient services.

3. It has the following four characteristics:

1. Flexible, convenient and fast operation The operation of the online banking corporate finance office is simple and convenient. It transcends the barriers of time and space. Enterprises control the time for handling business, and enjoy the convenient services of the bank anytime and anywhere.

2. Batch processing and timely posting If the enterprise pays wages through the corporate finance room of the online banking VIP room, the wages will be processed and recorded in real time; If the salary is paid through the financial office function of the payment business, the bank will automatically process four batches a day through the computer to ensure that the salary arrives in time; The financial staff can print the detailed list of payroll accounts and the processing results in a timely manner.

3. Information confidentiality and risk reduction Compared with the traditional disk salary method, the handover link is reduced and the privacy of salary information is improved. No one knows the amount of wages paid to the company's employees, including bank employees, except for the company's financial officer. The company's employees can query their electronic wages by clicking on the account inquiry function of personal online banking, which is convenient to inquire about their own wages, avoids the transmission of paper wages, reduces the work intensity of financial personnel, and reduces financial costs.

4. Transaction security and national unification Enterprises can not only avoid the security problems caused by receiving, transporting and keeping cash, but also avoid the mistake of paying wages and bonuses in cash. Online banking offers a wide variety of salaries and bonuses. As long as the employees of the enterprise open a bank account in the designated bank across the country, the enterprise can pay wages and bonuses to the employees in a timely manner.

The pros and cons of bank payroll.

The advantages and disadvantages of Yinnai Hanxing on behalf of Changyuan Lao Kai's salary.

I suggest that you can go to the bank where the Gongqi leakage card is opened to handle a transaction SMS reminder business, so that every month when you pay your salary or withdraw money, you will send a text message to mention the specific amount, and the transaction time is guessed, which is very convenient, and generally this kind of business is free.

You should have a pension, this is issued directly from the country's social security bureau, you can find it online, how much is the salary.

Some employees will encounter the situation of the bank paying wages on behalf of the bank when they work, and these are all businesses that exist because of the cooperation between enterprises and banks. There are many benefits of bank payroll, which is why this business exists, so what are the benefits of bank payroll?

1. For Gaocong enterprises, the process of paying wages is saved, and the errors caused by the distribution of wages by financial personnel are reduced; In addition, we have established good business relationships with banks to reduce the burden of keeping salaries.

2. For employees, it can not only optimize the flow of personal banking, but also help the credit department to delay the business.

Bank statements can be used to handle large credit cards and loans, and can become high-quality customers of the bank.

3. For the bank, on the one hand, the batch payment can reduce the pressure on the bank counter, and on the other hand, the salary paid on behalf of the bank can be deposited and used in the personal account, and the salary amount that has not been withdrawn or transferred can be precipitated and used.

I don't know much about the steps of the bank to pay the salary, so let's introduce the process of paying the salary on behalf of the first person:

The process of salary payment for personnel is not very clear, so let's introduce the process of salary payment for personnel:

What is the payroll process? To put it simply, the third-party platform accepts the entrustment of the employer, and the service provider handles the employee's salary card, sorts out the salary information, calculates the salary data, pays the salary in full, declares the individual income tax in full, and issues invoices. The specific process is broken down as follows:

1. Preliminary communication: The payroll company understands the basic situation of the other company, and designs the most suitable salary and wage system according to the company's situation and characteristics.

2. Sign the agreement: the payroll company confirms the demand with the other company and reaches an agreement on the service content and cost, prepares the signing materials and signs the business-to-business agreement.

3. Complete information: provide the basic information of the employees who need to pay wages on behalf of your unit and the company's invoicing information.

4. Payment of expenses: Labor fees and service fees paid to the payroll company in accordance with the agreement.

5. Provide services: The company provides services for wage payment according to the needs of the other party and the content of the agreement, such as counting the employee's bank card number, making an electronic salary table, and paying wages at the agreed time.

6. Handle feedback: the payroll company timely feedback the dynamic information of employee payroll.

The so-called salary refers to the employee's labor income, which is also the most concerned thing for employees, speaking of wages, some people may question whether it is necessary to hand over to a third-party platform for issuance, but the payment of wages is not only a simple payment operation process, but also includes employee attendance management, social security, provident fund and enterprise various rewards accounting, the most important thing is a variety of tax accounting, the process is more complicated.

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