银行函证数字化

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高效防范财务造假 银行函证数字化形成规模效应
Shang Hai Zheng Quan Bao· 2025-06-16 18:28
□截至2025年2月25日,经银行函证区块链服务平台实现的银行函证成功回函已超107.5万份,银行平均 处理时长仅1天零15小时 □银行函证区块链服务平台已正式上线机构864家,包括124家银行业金融机构(截至5月21日)、740家 会计师事务所(截至6月3日),覆盖头部银行及全国性会计师事务所,形成规模化应用场景 □大模型、AI技术等为数字函证相关业务拓展带来了更多可能性。在政策引导下,金融机构、金融信息 服务商对于"扩大数字银行函证应用范围"已形成共识 ◎记者 温婷 "过去需要1到2周才能完成的函证业务,现在只需要一两天甚至几十分钟,平均效率提升了超80%。"普 华永道中国数字化咨询合伙人李超近日在接受上海证券报记者采访时表示,这主要得益于银行函证数字 化的推进。 原来"跑断腿",如今"一条龙"办理。最新数据显示,已有864家机构(包括银行业金融机构和会计师事 务所)接入银行函证区块链服务平台(下称"函证平台"),基本实现规模化覆盖。 如今,函证平台正成为金融基础设施的核心组件,其防篡改、可追溯的特性对于防范财务造假有重要作 用。与此同时,金融机构正在探索进一步打通数据孤岛,扩大数字函证应用范围,创新增值 ...
货币市场日报:5月19日
Xin Hua Cai Jing· 2025-05-19 12:57
Group 1 - The People's Bank of China conducted a 135 billion yuan 7-day reverse repurchase operation at an interest rate of 1.40%, maintaining the previous rate, resulting in a net injection of 92 billion yuan after 43 billion yuan of reverse repos matured on the same day [1] - The overnight Shanghai Interbank Offered Rate (Shibor) fell by 11.7 basis points to 1.5370%, while the 7-day Shibor rose by 1.70 basis points to 1.5620% [1][2] - The 14-day Shibor increased by 5.30 basis points to 1.6540% [1][2] Group 2 - In the interbank pledged repo market, the 14-day rate saw a slight increase, with the weighted average rates for DR001 and R001 decreasing by 9.4 basis points and 7.0 basis points, respectively, while the rates for DR007 and R007 showed mixed movements [4] - The transaction volume for DR001 increased by 53.3 billion yuan, while R001's transaction volume decreased by 128.8 billion yuan [4] - The weighted average rates for DR014 and R014 rose by 2.3 basis points and 8.0 basis points, respectively, with transaction volumes showing a decrease for DR014 and an increase for R014 [4] Group 3 - As of May 19, 46 interbank certificates of deposit were issued, with an actual issuance amount of 41.24 billion yuan [8] - The primary market for certificates of deposit remained balanced, with trading volumes concentrated in the 3-month and 6-month maturities [9] - The yield on 1-month and 9-month certificates remained stable, while the 3-month and 6-month yields showed slight declines [9] Group 4 - In April 2025, banks settled 1.5408 trillion yuan and sold 1.5715 trillion yuan in foreign exchange, with cumulative figures from January to April showing settlements of 5.3373 trillion yuan and sales of 5.7815 trillion yuan [11] - The Ministry of Finance and the Financial Regulatory Bureau issued a notice to accelerate the digital development of bank confirmations, emphasizing the need for improved platform construction and operational security [11]
财政部、金融监管总局印发通知加快推动银行函证数字化发展
蓝色柳林财税室· 2025-05-19 11:52
Core Viewpoint - The notification emphasizes the acceleration of digitalization in bank confirmation processes to enhance audit quality and efficiency, aligning with central government directives [1] Group 1: Overall Requirements - The focus is on building a secure, convenient, efficient, and economical bank confirmation system, prioritizing safety and effectiveness while increasing the number of entities accessing the digital confirmation platform [1] Group 2: Strengthening Development Foundation - Continuous enhancement of the bank confirmation platform is necessary, including optimizing workflows and improving accessibility for accounting firms and banks [2] - The security of the bank confirmation platform must be elevated through the establishment of information security standards and third-party evaluations [2] - A standardized digital bank confirmation framework should be developed, with industry associations promoting effective standards to national levels [2] Group 3: Improving Work Efficiency - Financial institutions should enhance data governance for digital bank confirmations, breaking down information silos and increasing automation [4] - Efforts should be made to streamline the confirmation process, reducing response times and improving the quality of information collection [4] - A differentiated pricing strategy for digital and paper confirmations is encouraged to promote the use of digital services [4] Group 4: Innovative Methods - Financial institutions are encouraged to provide diverse information formats and explore value-added services through the confirmation platform [5] - Simplifying authorization processes for enterprises regarding digital confirmations is essential to increase awareness and acceptance [5] - Expanding the application scope of digital confirmations to include inter-bank confirmations and other related services is recommended [5] Group 5: Organizational Implementation - Fiscal departments are tasked with guiding and supervising the digitalization efforts of accounting firms in bank confirmations [6] - Industry associations should enhance self-regulation and promote the digitalization of bank confirmation processes among firms [6] - Establishing effective communication mechanisms between financial institutions and accounting firms is crucial for addressing operational issues [7]
财政部、金融监管总局印发通知加快推动银行函证数字化发展
news flash· 2025-05-19 02:57
财政部、金融监管总局印发《关于加快推动银行函证数字化发展的通知》,通知要求加快推动银行函证 数字化建设,切实提升银行函证工作质效,进一步提高审计质量。通知要求夯实发展基础,持续加强银 行函证平台建设,提升平台安全性,完善数字化标准体系。同时,要求提升工作效能,完善数据治理体 系,提升接函和回函质效,科学制定收费标准。另外,要求创新方式手段,创新审计数字增值服务,便 利企业授权数字银行函证,鼓励扩大应用范围。最后,加强组织领导,金融监管部门加强对银行业金融 机构的业务指导,相关行业协会推进辖内会计师事务所和银行业金融机构的银行函证数字化工作,引导 会计师事务所加快接入银行函证平台,提升数字银行函证发函比例。(财政部) ...
财政部、金融监管总局:提高银行函证数字化比例 推动规模化应用场景落地
news flash· 2025-05-16 11:17
财政部、金融监管总局:提高银行函证数字化比例 推动规模化应用场景落地 智通财经5月16日电,财政部、金融监管总局发布通知加快推动银行函证数字化发展,围绕加快银行函 证数字化发展,立足建设安全、便捷、高效、经济的银行函证体系,坚持安全第一,效益优先,通过夯 实发展基础、提升工作效能、创新方式手段,增加接入银行函证平台的主体数量,提高银行函证数字化 比例,推动规模化应用场景落地。通知要求,持续加强银行函证平台建设,提升银行函证平台安全性, 完善银行函证数字化标准体系。 ...