Bank agent payment refers to the act of opening a payment account. After the online agent payment service is launched by enterprise customers, enterprises can pay wages, bonuses, investment principal and interest, personal creditor's rights transfer income, securities trading settlement funds, futures deposits, inheritance and gift funds, insurance claims and surrender, tax refund, sales income of agricultural and sideline products, official reimbursement and other funds to individuals through online banking or third-party agent payment platform.
Secondly, when enterprises pay wages and bonuses through third-party payment platforms or online banking, they should pay from the basic settlement accounts of enterprise customers and set the total annual wages. Other payment services are not limited by account type.
Operating process of bank payment:
1. Commercial bank A (the entrusted bank) entrusts other financial institutions B (the entrusted bank) to provide financing in its own name according to the application of customers;
2. On the agreed date of external payment, the entrusted bank transfers the money to the entrusted bank according to the instructions of the entrusted bank, or directly pays it to the customers of the entrusted bank;
3. On the agreed repayment date, the entrusting bank will transfer the money to the entrusted bank to pay the principal and interest.
At present, bank payment is limited to enterprises and institutions that have opened company settlement accounts, and supports real-time payment and batch payment. After the general payment application takes effect, the bank will receive the account the next day, except holidays. At present, the industry application scenarios of bank payment include insurance payment and dividend distribution, tax refund for fiscal and taxation treasury, agricultural product acquisition, wage and welfare distribution and so on.