What time does CCB’s salary payment arrive?

My salary is paid through China Construction Bank, but our company has many banks that pay salary on behalf of us, including China Construction Bank, Postal Savings Bank, Industrial and Commercial Bank of China, etc. Let’s talk about our salary payment situation.

In the past, there was always a delay when wages were paid through banks. Different banks had different arrival times, and the difference could be more than 2 days at most. People often asked why other people’s wages were paid but not their own. hair? In fact, it is because different banks have different procedures for distributing wages. Since last year, the company has changed its delivery method, and now all banks basically receive the payment in real time.

That is, the company and the bank sign an agency payment agreement. Every month, the company's human resources department prepares the salary schedule and sends it to the financial department. After the financial department approves the review, it sends the total salary and salary schedule to the agency bank. The bank helps the company distribute it to individual employees according to the distribution agreement. We used this model in the past. The advantage of this model is that the bank helps the company do part of the salary payment work, which reduces the financial work pressure; the disadvantage is that the bank will try to delay the salary payment time, the payment speed is slow, and the employees have objections.

In the past, using this method, my salary was usually received after 3:30 pm or on weekends. It was impossible to transfer it to Yu'e Bao for financial management on the same day.

Starting from March last year, the company and the bank changed the agency payment agreement. The agency payment of wages no longer requires bank intervention, but is automatically paid through the company's financial and bank interfaces. In this way, as long as the company's human resources department and finance department approve the salary schedule, the data will be transmitted to the bank, and the bank will directly transfer the personal salary from the corporate account to the personal account based on the salary schedule. There is no manual intervention in the whole process, from the issuance to It will not take more than 1 hour to receive the salary text message.

After wages are paid in this way, wages are basically received during working hours on working days. Friends who like financial management can transfer to Yu'e Bao or invest in stocks and funds without affecting salary and financial management.

When we first switched to this method, we also encountered problems. We found that some people’s salary payment was unsuccessful. Later, we found that their salary cards were not Class I cards. If the transfer limit was exceeded, The payment will fail, so it is best to change the salary card to a first-class card.

Because I have been in management positions and in charge of corporate finance for a long time, I am familiar with the comparison:

The bank pays wages on its behalf. In essence, it is forwarded from the corporate account to A process in which the bank's employee account list and salary payment details are entered by the bank through the system or manually and transferred to the personal accounts of corporate employees. How long it takes to arrive depends on whether the funds in the company's public account are in place and sufficient. For this "transfer process", if the system automatically enters the account, it will not take more than a few hours. If the bank employee enters the account manually, you need to enter And double check, it may take "overnight" to arrive in your account.

The operating model of bank payment of wages has existed for decades (at least thirty years). Whether it is settlement or input, there are very mature systems and mechanisms, and there are basically no errors and Delay, unless there are errors in the lists and details provided by the company's administrative and financial personnel (the bank does not care about these, this is an internal problem of the company).

From an operational perspective, after the company's salary list is released, a network disk will be automatically generated to save all data. The company's financial personnel will conduct review and approval by superiors. After completing this operation within the company, the company's cashier will transfer the data and backup to the bank, and issue a "Transfer Check" to the bank, and the bank will receive the list and transfer After the check is issued, the bank's public department first completes the "Transfer Check" and transfers the funds to the personal savings department. The personal savings department then proceeds to the system according to the list or manually enters the account details of each employee.

At present, most banks should have computers with system input to complete the entire process (occasionally, it will be entered manually because it is the first time for an enterprise to handle salary payment with a bank). Therefore, basically the entire input process takes a few minutes (unless it is a company with hundreds of thousands or millions of employees like Foxconn, it should take longer). If there are errors, they are basically caused by the company's internal accounting or the work of the company's financial personnel. The bank There are almost no errors at all.

The payroll agency business refers to a commercial bank accepting the entrustment of the entrusting unit to transfer the wages, bonuses and other income paid by the entrusting unit to the employees of the unit to the current savings account of the designated employee opened in the bank through transfer a business within.

①The operation is fast and convenient

After the enterprise signs an agency agreement with the bank, it only needs to stamp the detailed list and electronic form of the agency every month and reserve it when opening a bank account. After obtaining the seal and ensuring that there is sufficient balance in the account, you can entrust the bank to issue wages on your behalf.

② It can be processed in large batches and recorded in accounts in a timely manner

The batch payment of wages can range from dozens to thousands of households. There is no difference in the operation process. Electronic forms can be used to process wages. After that, import the dropshipping process machine, and a skilled account manager can complete the dropshipping business in ten minutes.

③High security and reduced operational risks

After opening the payroll agency, the company no longer withdraws cash from the bank and then distributes the cash to the bank like the traditional wage settlement. For employees, not only the safety is low, the operation is more cumbersome and error-prone.

①Real-time account entry

That is, after the bank staff uploads the agency information in the system and submits it to the settlement backend, the agency customers can receive the agency wages in real time.

②Enter the account the next day

Literally means that the delivery is completed on the second working day after the delivery business is processed. The advantage of this operation is that once an error in the delivery is discovered, the delivery can be completed in time. The disadvantage of cancellation is that it cannot be recorded in time.

③ Deposit at designated time

This is also easy to understand. You can freely choose the release time within the specified time.

It saves the entrusted enterprise's salary payment time and operational risks, and accounts processing is more convenient;

The bank has also increased the amount of card issuance, packaged processing of various businesses, and increased Determines the stock of unit demand deposits.

There are different situations for the bank’s agency wages to arrive:

First, go to the bank counter to handle the on-site processing. There will be staff operating the agency’s wages on the system in real time, and it will take 5-10 minutes. Will be credited.

The second is the payment agency agreement signed with the bank. If funds are regularly deducted from public accounts and wages are paid on behalf of others, the bank system will prepare an agency payment application based on the list provided and submit it to the system for review. The bank system will run it at night. It is shipped in batches, so it takes a longer time, and it will usually arrive in the early morning or early the next morning.

The third is to process the salary payment through online banking. After the online banking operation is completed, the salary payment will usually arrive in your account in about half an hour.

Hello, I am a creator in the field of education who studies and thinks, and I am very happy to answer this question.

The verification of the payment of wages by the bank depends on the payment method used:

Type 1: The financial staff personally operates the agency business at the counter of the bank where the account is opened. In this case, the day's issuance business will generally be processed after the business closes in the afternoon;

The second type: through corporate online banking operations, the system will automatically process the issuance and arrive in the account in real time, without any other restrictions on the bank. Business impact.

At the same time, when banks issue wages on their behalf, it is best to use bank cards from the same bank. Although inter-bank payment is also supported, if it is an inter-bank bank card, it will need to be delayed by 1-2 working days.

The payroll agency business means that the bank accepts the entrustment of the unit and transfers the wages, bonuses, etc. paid by the unit to its employees to the employee's salary card through transfer. It is generally divided into three payment methods. :

After accepting the depositor's transfer application, the deduction and remittance will be processed immediately.

Even if the deposit is not received in real time, the deposit will be deducted and remitted with a delay of 2 hours after the depositor's transfer application is accepted.

After accepting the depositor's transfer application, the deduction and remittance will be delayed to the second calendar day. Please note that payment will arrive the next day and not 24 hours later.

Starting from December 1, 2016, bank counters (for individual customers only) and non-counter channels other than self-service teller machines will provide real-time payment, ordinary payment, and next-day payment. There are three transfer methods for customers to choose from.

1. "Real-time arrival": After accepting the depositor's transfer application, the deduction and remittance will be processed immediately.

2. "Ordinary arrival": Ordinary arrival means non-real-time arrival. After accepting the depositor's transfer application, the payment will be deducted and remitted with a delay of 2 hours.

3. "Next day arrival": After accepting the depositor's transfer application, the payment will be deducted and remitted until the second natural day. Please note that payment will arrive the next day and not 24 hours later.

4. The above remittance time refers to the time when the bank deducts the money and initiates the remittance. If it is an inter-bank transaction, the arrival time also depends on the inter-bank clearing system of the People's Bank of China and the entry time of the beneficiary bank.

When the bank processes this business, if the relevant clearing system has been closed, the business will deduct the money at the agreed time and delay the remittance until the clearing system is in normal service.

After the money arrives at the bank, the bank immediately remits all the money to the Banking Regulatory Bureau. After 24 hours, a payment of 10,000 yuan to 200 yuan is returned to the bank. The bank then transfers the money to each depositor's card. In about two days, the bank will rely on the return of 200 yuan from this 10,000 yuan!

According to different requirements of the company, it is divided into the following situations: (1) Real-time account entry: After the bank receives the funds and the issuance list, it will be processed and issued in real time; (2) Next day account entry: The bank receives the funds. After the funds are received and the list is issued on behalf of the bank, it will be processed and recorded in the account in the early morning of the next day; (3) Accounting on the specified date: After the bank receives the funds and the list is issued on behalf of the bank, it will be processed and recorded in the account in the early morning of the specified date. There is a problem of cooperation between the bank and the issuance agency. The key is that the funds and the list can reach the bank at the same time.