When there are few financial personnel and accounts in the enterprise, it is suggested that the enterprise choose the customer certificate with the first authorization authority and the customer certificate with the second authorization authority. Here is a specific case to illustrate:
Company A has an account in Dafa Road Sub-branch of Industrial and Commercial Bank of China, the account number is 12345678909. The company's financial accountants include: Chief Financial Officer Chen Lin, Financial Manager Li Zhongshan and Accountant Wang Xiao. Now the company has registered the online banking business of enterprises and three customer certificates. The first one is for Wang Xiao, an accountant. The application is "The first certificate has basic authority", and the payment limit is 0 yuan, which means that Wang Xiao is responsible for filling out payment instructions through the computer, and any instructions filled out need the authorization of the superior to take effect. The second copy is for Li Zhongshan, the financial manager. The application is a certificate of an authority with a second certificate. The basic authorization limit is 50,000 yuan, and the combined authorization is the first authorization with a limit of 200,000 yuan. The third copy is for the use of Chen Lin, the chief financial officer, and the application is "the second certificate with authorized authority". The basic authorization limit is 654.38+10,000 yuan, and the combined authorization is a secondary authorization with a limit of 500,000 yuan.
After the online banking registration, accountant Wang Xiao made the following payment instructions with his client certificate:
(1) Pay 30,000 yuan to the telephone office and pay the communication fee.
(2) Pay 80,000 yuan to the land company and pay the annual rent.
(3) Pay RMB 6,543,800+0.7 million to the metal company to settle the purchase price of raw materials.
(4) Pay 450,000 yuan to the coal company and prepay the payment for raw coal.
(5) Pay 6,543,800 yuan to the futures company and entrust the futures company to speculate in futures.
For the first payment, only Li Zhongshan, the financial manager, needs to use his client certificate for authorization.
For the second payment, there are two ways to realize it. One way is for the chief financial officer Chen Lin to authorize directly with his client certificate. The other is that Li Zhongshan, the financial manager, used the combination authorization function of his client certificate for the first time, and then Chen Lin, the financial controller, used his client certificate for the second time.
For the third payment, financial manager Li Zhongshan needs to use his client certificate for the first authorization, and then financial controller Chen Lin needs to use his client certificate for the second authorization.
For the fourth and fifth payments, neither Li Zhongshan, the company's financial manager, nor Chen Lin, the company's financial director, could see the two payment instructions, and no one authorized them, so the instructions eventually became invalid. Note: Under the limited condition that Company A only has these three financial accountants and only has three customer certificates, the second authorization of 500,000 yuan by Chen Lin, the chief financial officer, has no practical significance. In fact, she just needs to set the limit at 200 thousand.
When there are multiple financial personnel and accounts (including branch accounts) in the enterprise, it is suggested that the enterprise choose multiple customer certificates for the first authorization authority and multiple customer certificates for the second authorization authority.