Electronic seals are used in enterprise bank account opening in many parts of the country: streamlining procedures, opening accounts within half an hour on the intranet, using contract lock electronic signatures in enterprise account opening business, helping to integrate and connect with local governments' self built "
electronic license system ", based on trusted digital certificates, to achieve real name authentication for new enterprises and online application for electronic seals; At the same time, it is connected to the " Banking Business Approval System " to provide "identity authentication" services for online account opening for enterprises, ensuring that the real identity can apply for account opening online and sign account opening materials online without having to go to the counter, and can be remotely opened in at least half an hour. As early as 2020, Bank of Communications had already confirmed in 131 branches in Shanghai that enterprises can open bank accounts using electronic business licenses and electronic seals. In recent years, with the launch of national policies to optimize the business environment, many regions across the country, such as Henan, Hankou, Beijing, Jiangsu, Shandong, Jiangxi, Hebei, Shenzhen, Sichuan, Guangzhou, Qinghai, etc., have introduced electronic seals in their enterprise account opening business, promoting the application of electronic business licenses for enterprises and gradually achieving "electronic signature of enterprise bank account opening materials", with no need to run, no need for a piece of paper, and up to half an hour in the entire process. About opening a corporate bank account:
Opening a corporate bank account is a necessary process for starting a business and the foundation for maintaining operations and conducting financial transactions. Only after opening an account can the enterprise register for taxation and handle social security. In the past, when a company opened an account at a bank, it had to bring a physical seal and a paper business license to the branch for on-site processing. From filling out the application form, pre-approval to opening the account, it was difficult for both the company and the bank. Enterprise: Account opening procedures are cumbersome, application materials are numerous, and a lot of time is spent preparing; From making an appointment to opening an account, there are at least two round trips to and from the business hall. During peak hours, it takes at least 2-3 hours to complete the process of filling out forms, queuing, and reviewing. If there are any issues with the materials, they need to be returned for re filling... The processing time can take up to 5-7 working days. Bank: The approval process for enterprise account opening is strict, requiring a lot of effort to verify the authenticity of materials and seals; In addition, customers need to manually fill out six or seven forms at once, and it is inevitable that there will be deviations when the business personnel enter the information. They also have to return it to the enterprise for re filling, repeatedly submit it, and the procedures are cumbersome; At the stamping stage, there are at least 5-6 materials waiting to be stamped at a time, and the operation is mechanized and time-consuming; Once there is a peak in processing, queuing is inevitable. In the enterprise account opening business, the electronic signature of the contract lock helps integrate and connect with the local government's self built " Electronic License System ", based on trusted digital certificates, to achieve real name authentication for new enterprises and online application for electronic seals; At the same time, it is connected to the " Bank Business Approval System " to provide "identity authentication" services for online account opening for enterprises, ensuring that the real identity can apply for account opening online and sign account opening materials online, without the need to go to the counter, and can be remotely opened in at least half an hour.
(Government and bank linkage, online application for seals, online account opening) Now:
Open the bank's online service mini program, submit account opening materials for pre-approval online, use the electronic business license system to scan the code to confirm identity, sign the " account opening application form, account management agreement, credit authorization letter, account declaration document, electronic voucher, electronic receipt and other
" account opening materials online, and complete the account opening online. Eliminate the hassle of manually filling out forms and running errands back and forth; Reduce waiting time and operational procedures; Assist newly established enterprises in digital transformation of account opening.
Multiple scenarios to meet the signing needs of the entire process of opening an account for enterprises;
01 Docking with electronic certificate and license system, allowing enterprises to apply for electronic seals online
In recent years, the country has made every effort to optimize the market business environment, continuously improve the convenience of enterprise establishment, encourage the use of electronic certificates and seals as a basis, and promote online services for enterprises. At present, in Shanghai, Beijing, Zhejiang, Shenzhen, Henan, Shandong, Chongqing, Jiangsu, Ningxia, Xizang, Jiangxi, Anhui, Hainan, Sichuan, Hubei, Inner Mongolia and other parts of the country, electronic business licenses and electronic seals are gradually issued simultaneously, providing identity authentication and electronic signature support for new enterprise bank accounts. The contract lock helps various regions build a unified electronic signature public service platform, supporting integration with self built electronic license systems by local governments. In the process of applying for enterprise seals, enterprises can scan the code to log in to the electronic seal public service platform through the electronic license system, use the contract lock identity authentication function to verify their identity online, and apply for electronic seals with real names.
02 Docking with the banking system, online issuance of certificates, online signing of account opening materials The country advocates for one-stop government services and cross departmental collaboration. In the process of opening a new enterprise bank account, in order to strengthen cooperation between relevant government departments and banks, Contract Lock uses API integration interfaces to fully connect the " Electronic License System - Electronic Signature System - Banking Business Approval System
", enabling government departments and banks to link and achieve mutual trust in electronic seals. Implement online application for account opening, identity verification, and electronic signing of account opening materials for newly established enterprises, eliminating the hassle of submitting paper materials offline, manually verifying identity, and signing account opening documents in person. This allows newly established enterprises to have fewer errands, no errands, online processing, one-time processing, and zero paper costs. .
(Note: Contract lock can establish an independent electronic signature environment for banks, associate with local electronic seal platforms, connect functional department seal information, and meet the regulatory requirements of bank documents not leaving the bank.)
(Online signing of account opening materials)
Rich functions, making enterprise online account opening compliant, secure, and efficient; 01 Trusted identity authentication, quickly verifying the true identity of enterprises Preventing the misuse and abuse of licenses and seals, and preventing fraudulent account opening
Currently, the account opening review procedures of banks in various regions are constantly tightening, timely identifying fraudulent account opening and forged account opening
Material and other risks have become the top priority for counter business personnel. However, the situation of offline account opening and forging paper materials to open accounts under false names has been repeatedly prohibited, and staff always spend a lot of time inquiring, identifying, and reviewing.
The contract lock provides authoritative and trustworthy real identity authentication and verification services for enterprise account opening with the help of CA digital certificates, ensuring real name authentication application, download, and use of certificates, licenses, and seals. During the account opening application process, the enterprise identity information is directly retrieved from the database, and the identity is locked online to ensure personal operation, improve audit efficiency, and ensure compliance with account opening applications.
02 Account opening application, signing materials support video recording
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