The blockchain application will first try Zheshang Bank's "minimalist reimbursement" to help enterprises reduce costs and increase efficiency.

Since the outbreak of the epidemic, the operation of enterprises has generally been seriously affected, and enterprises need to try their best to "tighten their belts" in special periods, in which it is a wise choice to use technology to reduce costs and increase efficiency.

Zheshang Bank keeps up with the new development pattern, exports technology to the outside world, improves internal management efficiency, and tide over the difficulties with enterprises. Its self-developed SaaS expense control software is extremely simple in reimbursement, making full use of the advantages of blockchain technology in data confidentiality and * * * enjoyment to realize multi-dimensional simplified reimbursement process, which can reduce the financial reimbursement work of enterprises by about 20%, shorten the reimbursement cycle by 30%, and help enterprises reduce costs and increase efficiency.

As we all know, blockchain technology is one of the most promising technologies in recent years. This distributed database technology is mainly used in finance, public services, information security, Internet of Things, supply chain and other fields. Through smart contracts, data can become transparent and unbreakable, and peer-to-peer transactions can improve efficiency. During the epidemic, the application of blockchain, which gradually landed, has penetrated into all aspects of the work and life of enterprises and individuals on the basis of previous practical exploration.

For example, Zheshang Bank independently developed a SaaS-based fee control software for minimalist reimbursement, took the lead in trying blockchain technology in payment, and successfully utilized the advantages of blockchain technology in data confidentiality and * * * *.

Specifically, the reimbursement business of minimalist reimbursement automatically generates a payment list through document submission and approval, and registers the generated list data to the blockchain platform for payment. Blockchain platform ensures the reliability, security and non-tampering of data to be paid through digital signature, encryption algorithm and * * * identification mechanism. At the same time, customers can directly obtain the list data to be paid from the blockchain platform, and store it in the form of data signature in the bank-enterprise direct connection system for payment, so as to realize the sharing of bank-enterprise payment list data.

In addition, based on blockchain technology, banks, enterprises, airlines and catering enterprises can also build business travel alliance chains after minimum reimbursement. Through the distributed ledger characteristics of blockchain, data sharing between different industries and different enterprises can be realized, the reimbursement process can be simplified to a greater extent, and finally customers can be helped to improve their expense management capabilities, so as to achieve the purpose of reducing costs and increasing efficiency.

In the process of cost management, enterprises will encounter problems such as unsmooth process and complicated offline operation. Minimalist reimbursement can make employees, financial personnel and enterprises enjoy efficiency and convenience. It has several functional highlights. Listen to me one by one:

For employees, there is no need to worry about prepayment, invoicing, reimbursement and other issues when traveling, using cars, purchasing and dining. Minimalist reimbursement creatively opens the mode of "no advance, no invoice, no reimbursement for employees, one account, one invoice and one payment for the enterprise". And established a credit system for reimbursement. Under the credit system, the higher the credit score, the shorter the approval time limit and the faster the reimbursement will arrive.

For financial personnel, minimalist reimbursement also provides the greatest convenience for financial personnel. It can be said that all staff scanning, automatic invoice inspection and other functions are the favorite of employees and finance. Among them, full staff scanning supports employees to upload invoices and other attachments directly in the reimbursement process, and enterprises do not need to set up special scanners or purchase scanning equipment, so the storage and access of electronic materials are worry-free and convenient. At the same time, the system automatically checks, and financial personnel no longer have to worry about the authenticity of invoices.

For enterprises, minimalist reimbursement is a "data warehouse", which can provide useful information for management decisions. As a large collection of enterprise expense data, minimalist reimbursement has a huge amount of data, which can generate multi-dimensional expense analysis reports, scheduled statistical reports, detailed input tax accounting reports, employee current accounts reports and so on. Really help enterprises to make management decisions.

Open banks have gradually become the direction of digital transformation of commercial banks. In recent years, Zheshang Bank has actively promoted the platform service strategy, built a comprehensive service platform of "technology+finance+industry+customers", and gradually exported its internal management technology.

It is understood that minimalist reimbursement, as a free fee control product provided by Zheshang Bank for strategic customers, has hundreds of thousands of users, covering manufacturing, service, commercial enterprises, finance, construction, Internet, hospitals and other industries. The enterprises used are listed companies, central enterprises, city commercial banks and many other large, medium and small enterprises.

From the customer feedback, the use of minimalist reimbursement has been widely recognized. Taking a city commercial bank as an example, the original paper application mode, irregular business travel reservation channels and offline circulation approval process have all been improved by automation technology in minimalist reimbursement, which has reduced the reimbursement work for enterprises by more than 20%, shortened the reimbursement cycle by 30% and greatly improved employee satisfaction. The budget management module of the system supports multi-dimensional setting, controls the enterprise budget and automatically generates accounts. Various report management provides more decision-making information for financial personnel and managers.

Another example is a listed company, which is troubled by complicated firms such as paper approval, invoice inspection and manual bookkeeping. Minimalist reimbursement greatly improves the approval efficiency of leaders through online mobile approval, automatic invoice inspection and automatic account generation, and the automation and process reengineering of the system reduce the workload of financial basic work by about 40%. The finance department can also report the department expenses, abnormal reimbursement invoices and other matters to the leaders through data reports. (Jinwen)