构建有效环保的银企对账新模式

发布时间：2018-01-21 04:40

本文关键词： 低碳经济银企对账电子对账有效环保　出处：《金融论坛》2010年S1期 　论文类型：期刊论文

【摘要】：目前,我国银企对账采用的主要方式是以纸为介质的对账方式,该方式存在耗能高,效果差的问题。对于银行来说,需要耗费大量资源用于派送、回收、核对、整理对账资料,但仍然不能做到全面、准时、准确对账,无法完满完成对账工作;对于企业来说,存在时滞以及信息丢失的风险;此外也不利于监管部门来监管。解决办法是推广电子对账,这样能彻底解决时效、质量、成本等一系列问题,监管部门对银行的电子对账平台构建和使用情况进行检查指导将非常便利且有效。因此,我们要积极响应低碳号召,大力推行电子对账这一既高效有环保的银企对账方式。
[Abstract]:At present, the main way of bank and enterprise reconciliation in our country is the paper as the medium, which has the problems of high energy consumption and poor effect. For the banks, a lot of resources need to be used for delivery, recovery and verification. Collate the data of reconciliation, but still can not achieve comprehensive, punctual, accurate reconciliation, can not complete the reconciliation work; For enterprises, there is the risk of delay and loss of information. The solution is to promote electronic reconciliation, which can solve a series of problems such as limitation, quality, cost and so on. Regulatory supervision of the construction and use of electronic reconciliation platforms will be very convenient and effective. Therefore, we should respond positively to the call of low carbon. Vigorously promote electronic reconciliation, which is both efficient and environmentally friendly way of bank and enterprise reconciliation.
【作者单位】：中国建设银行深圳市分行;
【分类号】：F832.2
【正文快照】： 一、引言对账就是核对账目,是指在会计核算中,为保证账簿记录正确可靠,对账簿中的有关数据进行检查和核对的工作。在财会领域,它是一个极为基本的概念,是做好账务核算必不可少的基础工作之一。银行的账务核算特点决定其必须与数量庞大的存贷款人等所有业务往来方进行账务核对

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