{"id":596,"date":"2025-12-25T19:10:51","date_gmt":"2025-12-25T11:10:51","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=596"},"modified":"2025-12-25T19:10:51","modified_gmt":"2025-12-25T11:10:51","slug":"%e5%8d%b0%e5%ba%a6%e5%8e%9f%e7%94%9f%e6%94%af%e4%bb%98%e5%a6%82%e4%bd%95%e5%ae%9e%e7%8e%b0%e8%87%aa%e5%8a%a8%e5%af%b9%e8%b4%a6%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/12\/25\/%e5%8d%b0%e5%ba%a6%e5%8e%9f%e7%94%9f%e6%94%af%e4%bb%98%e5%a6%82%e4%bd%95%e5%ae%9e%e7%8e%b0%e8%87%aa%e5%8a%a8%e5%af%b9%e8%b4%a6%ef%bc%9f\/","title":{"rendered":"\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u5982\u4f55\u5b9e\u73b0\u81ea\u52a8\u5bf9\u8d26\uff1f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts315.mm.bing.net\/th?q=phonepe314\" alt=\"\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u5982\u4f55\u5b9e\u73b0\u81ea\u52a8\u5bf9\u8d26\uff1f\" title=\"\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u5982\u4f55\u5b9e\u73b0\u81ea\u52a8\u5bf9\u8d26\uff1f\"><\/p>\n<h1>\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u5982\u4f55\u5b9e\u73b0\u81ea\u52a8\u5bf9\u8d26\uff1f\u5168\u9762\u89e3\u6790\u4e0e\u4f18\u5316\u7b56\u7565<\/h1>\n<h2>\u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u7684\u5d1b\u8d77\u4e0e\u5bf9\u8d26\u6311\u6218<\/h2>\n<p>\u968f\u7740\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7684\u98de\u901f\u53d1\u5c55\uff0cUPI\u3001RuPay\u3001\u94b1\u5305\u652f\u4ed8\u7b49\u672c\u571f\u5316\u652f\u4ed8\u65b9\u5f0f\u5df2\u6210\u4e3a\u65e5\u5e38\u751f\u6d3b\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002\u5bf9\u4e8e\u5728\u5370\u5ea6\u5f00\u5c55\u4e1a\u52a1\u7684\u4f01\u4e1a\u800c\u8a00\uff0c\u9ad8\u6548\u5904\u7406\u8fd9\u4e9b\u539f\u751f\u652f\u4ed8\u65b9\u5f0f\u7684\u4ea4\u6613\u5bf9\u8d26\u4e0d\u4ec5\u662f\u8d22\u52a1\u7ba1\u7406\u7684\u6838\u5fc3\u73af\u8282\uff0c\u66f4\u662f\u63d0\u5347\u8fd0\u8425\u6548\u7387\u7684\u5173\u952e\u6240\u5728\u3002\u672c\u6587\u5c06\u6df1\u5165\u63a2\u8ba8\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u81ea\u52a8\u5bf9\u8d26\u5b9e\u73b0\u673a\u5236\uff0c\u4e3a\u8de8\u5883\u4f01\u4e1a\u548c\u672c\u5730\u5546\u5bb6\u63d0\u4f9b\u5b9e\u7528\u89e3\u51b3\u65b9\u6848\u3002<\/p>\n<h2>\u4e00\u3001\u7406\u89e3\u5370\u5ea6\u4e3b\u8981\u539f\u751f\u652f\u4ed8\u65b9\u5f0f\u7684\u7279\u70b9<\/h2>\n<h3>1. UPI (Unified Payments Interface)<\/h3>\n<ul>\n<li><strong>\u5373\u65f6\u7ed3\u7b97<\/strong>\uff1a\u4ea4\u6613\u5b9e\u65f6\u53d1\u751f\uff0c\u8d44\u91d1\u8f6c\u79fb\u51e0\u4e4e\u77ac\u95f4\u5b8c\u6210<\/li>\n<li><strong>\u591a\u94f6\u884c\u4e92\u8054<\/strong>\uff1a\u652f\u6301\u8de8\u94f6\u884c\u3001\u8de8\u5e73\u53f0\u7684\u65e0\u7f1d\u8f6c\u8d26<\/li>\n<li><strong>\u53cc\u5411\u901a\u4fe1<\/strong>\uff1a\u4ed8\u6b3e\u65b9\u548c\u6536\u6b3e\u65b9\u5747\u80fd\u6536\u5230\u5373\u65f6\u901a\u77e5<\/li>\n<\/ul>\n<h3>2. RuPay\u5361\u7f51\u7edc<\/h3>\n<ul>\n<li><strong>\u672c\u571f\u5316\u6e05\u7b97<\/strong>\uff1a\u901a\u8fc7\u56fd\u5185\u7f51\u7edc\u5904\u7406\uff0c\u51cf\u5c11\u56fd\u9645\u4ea4\u6613\u6210\u672c<\/li>\n<li><strong>\u591a\u5c42\u6b21\u9a8c\u8bc1<\/strong>\uff1a\u5305\u542b\u53d1\u5361\u884c\u3001\u6536\u5355\u884c\u548c\u7f51\u7edc\u65b9\u7684\u591a\u91cd\u6570\u636e\u6e90<\/li>\n<\/ul>\n<h3>3. \u7535\u5b50\u94b1\u5305\uff08Paytm\u3001PhonePe\u7b49\uff09<\/h3>\n<ul>\n<li><strong>\u9884\u5b58\u8d44\u91d1\u6a21\u5f0f<\/strong>\uff1a\u7528\u6237\u5148\u5145\u503c\u540e\u6d88\u8d39\u7684\u8d26\u6237\u4f53\u7cfb<\/li>\n<li><strong>\u6df7\u5408\u578b\u4ea4\u6613\u6d41<\/strong>\uff1a\u53ef\u80fd\u6d89\u53ca\u94f6\u884c\u8f6c\u8d26\u3001\u4f59\u989d\u6263\u9664\u7b49\u591a\u79cd\u65b9\u5f0f<\/li>\n<\/ul>\n<p>\u6bcf\u79cd\u652f\u4ed8\u65b9\u5f0f\u7684\u72ec\u7279\u7279\u6027\u76f4\u63a5\u5f71\u54cd\u4e86\u5bf9\u8d26\u6570\u636e\u7684\u683c\u5f0f\u3001\u65f6\u95f4\u548c\u590d\u6742\u6027\u3002<\/p>\n<h2>\u4e8c\u3001\u4f20\u7edf\u624b\u52a8\u5bf9\u8d26\u7684\u75db\u70b9\u5206\u6790<\/h2>\n<p>\u5728\u81ea\u52a8\u5316\u89e3\u51b3\u65b9\u6848\u666e\u53ca\u524d\uff0c\u4f01\u4e1a\u901a\u5e38\u9762\u4e34\uff1a<\/p>\n<ol>\n<li><strong>\u65f6\u95f4\u6d88\u8017\u5de8\u5927<\/strong>\uff1a\u8d22\u52a1\u4eba\u5458\u9700\u4eba\u5de5\u5339\u914d\u6bcf\u7b14\u4ea4\u6613\u7684\u591a\u4e2a\u6570\u636e\u6e90<\/li>\n<li><strong>\u9519\u8bef\u7387\u9ad8\u4f01<\/strong>\uff1a\u4eba\u4e3a\u5931\u8bef\u5bfc\u81f4\u91d1\u989d\u4e0d\u5339\u914d\u6216\u91cd\u590d\u8bb0\u8d26\u9891\u53d1<\/li>\n<li><strong>\u65f6\u6548\u6027\u5dee\u5f3a\u4eba\u610f<\/strong>:\n<ul>\n<li>UPI\u4ea4\u6613\u7684\u5b9e\u65f6\u6027\u4e0e\u4eba\u5de5\u5904\u7406\u7684\u6ede\u540e\u6027\u77db\u76fe\u7a81\u51fa<\/li>\n<li>T+1\u6216\u66f4\u957f\u7684\u7ed3\u7b97\u5468\u671f\u5f71\u54cd\u73b0\u91d1\u6d41\u7ba1\u7406\u6548\u7387<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u53ef\u6269\u5c55\u6027\u4e0d\u8db3<\/strong>:\n<ul>\n<li>\u4ea4\u6613\u91cf\u589e\u957f\u65f6\u4eba\u529b\u6210\u672c\u5448\u6307\u6570\u7ea7\u4e0a\u5347<br \/>\n-\u96be\u4ee5\u5e94\u5bf9\u8282\u65e5\u4fc3\u9500\u671f\u95f4\u7684\u5cf0\u503c\u538b\u529b<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>\u8fd9\u4e9b\u95ee\u9898\u76f4\u63a5\u63a8\u52a8\u4e86\u5bf9\u81ea\u52a8\u5316\u89e3\u51b3\u65b9\u6848\u7684\u8feb\u5207\u9700\u6c42\u3002<\/p>\n<p>\u4e09 \u3001\u6784\u5efa\u81ea\u52a8\u5bf9\u8d26\u7cfb\u7edf\u7684\u6838\u5fc3\u6280\u672f\u8981\u7d20<\/p>\n<p>1 .\u6807\u51c6\u5316\u6570\u636e\u63a5\u5165\u5c42<br \/>\n\u5efa\u7acb\u7edf\u4e00API\u63a5\u53e3 \uff0c\u517c\u5bb9\u4e0d\u540c\u6e20\u9053\u7684\u6570\u636e\u683c\u5f0f \uff1a<br \/>\n&#8211;<strong>\u94f6\u884c\u7f51\u5173\u76f4\u8fde<\/strong>:\u83b7\u53d6\u539f\u59cb\u6d41\u6c34\u6587\u4ef6 (\u5982HDFC \/ICICI\u7b49\u94f6\u884c\u7684MT940\/XML\u683c\u5f0f )<br \/>\n&#8211;<strong>\u7b2c\u4e09\u65b9\u805a\u5408\u5668\u5bf9\u63a5<\/strong>:\u901a\u8fc7Razorpay \u3001Cashfree\u7b49\u670d\u52a1\u5546\u6574\u5408\u591a\u901a\u9053\u4fe1\u606f<br \/>\n&#8211;<strong>\u5e73\u53f0\u5185\u5efa\u6a21\u5757<\/strong>:\u7535\u5546\u540e\u53f0\u76f4\u63a5\u5bfc\u51fa\u8ba2\u5355\u4e0e\u6b3e\u9879\u660e\u7ec6<\/p>\n<p>\u5173\u952e\u70b9\u5728\u4e8e\u5c06\u5f02\u6784\u6570\u636e\u7ed3\u6784\u8f6c\u5316\u4e3a\u7edf\u4e00\u7684\u5185\u90e8\u8868\u793a\u5f62\u5f0f \u3002<\/p>\n<p>2 .\u667a\u80fd\u5339\u914d\u5f15\u64ce\u8bbe\u8ba1<br \/>\n\u8fd9\u662f\u81ea\u52a8\u5316\u7684\u6838\u5fc3\u5927\u8111 \uff0c\u5e94\u5305\u542b\u4ee5\u4e0b\u529f\u80fd \uff1a<br \/>\n&#8211;<strong>\u591a\u7ef4\u5ea6\u5339\u914d\u903b\u8f91<\/strong>:\u4e0d\u4ec5\u9650\u4e8e\u91d1\u989d\u76f8\u7b49 \uff0c\u8fd8\u9700\u7ed3\u5408\u65f6\u95f4\u7a97\u53e3(\u00b115\u5206\u949f )\u3001\u53c2\u8003ID(UTR\/Transaction ID)\u3001\u5ba2\u6237\u6807\u8bc6\u7b49\u591a\u91cd\u6761\u4ef6\u8fdb\u884c\u6a21\u7cca\u5339\u914d<br \/>\n&#8211;<strong>\u5f02\u5e38\u68c0\u6d4b\u7b97\u6cd5<\/strong>:\u8bc6\u522b\u91cd\u590d\u5165\u5e10 \u3001\u90e8\u5206\u9000\u6b3e \u3001\u624b\u7eed\u8d39\u5dee\u5f02\u7b49\u7279\u6b8a\u573a\u666f<br \/>\n&#8211;<strong>\u5b66\u4e60\u4f18\u5316\u80fd\u529b<\/strong>:\u57fa\u4e8e\u5386\u53f2\u6210\u529f\u6848\u4f8b\u6301\u7eed\u6539\u8fdb\u89c4\u5219\u5e93<\/p>\n<p>3 .\u5dee\u5f02\u5206\u6790\u4e0e\u8c03\u548c\u673a\u5236<br \/>\n\u65e0\u6cd5\u5b8c\u5168\u5339\u914d\u7684\u4ea4\u6613\u8fdb\u5165\u8c03\u548c\u6d41\u7a0b \uff1a<br \/>\na)\u7cfb\u7edf\u9884\u8bbe\u5206\u7c7b\u89c4\u5219 :\u5e38\u89c1\u95ee\u9898\u7c7b\u578b\u5982\u201c\u624b\u7eed\u8d39\u8ba1\u7b97\u504f\u5dee\u201d\u3001\u201c\u6c47\u7387\u6ce2\u52a8\u5dee\u5f02\u201d\u7b49\u7684\u6807\u51c6\u5904\u7406\u65b9\u6cd5<br \/>\nb)\u5206\u7ea7\u9884\u8b66\u901a\u77e5 :\u6839\u636e\u5dee\u5f02\u91d1\u989d\u5927\u5c0f\u89e6\u53d1\u4e0d\u540c\u7ea7\u522b\u7684\u544a\u8b66\u81f3\u5bf9\u5e94\u8d1f\u8d23\u4eba<br \/>\nc)\u534a\u81ea\u52a8\u5316\u5e72\u9884\u754c\u9762 :\u4e3a\u590d\u6742\u60c5\u51b5\u63d0\u4f9b\u53ef\u89c6\u5316\u5de5\u5177\u8f85\u52a9\u4eba\u5de5\u51b3\u7b56<\/p>\n<p>\u56db \u3001\u5b9e\u65bd\u6b65\u9aa4\u4e0e\u6700\u4f73\u5b9e\u8df5\u6307\u5357<\/p>\n<p>\u9636\u6bb5\u4e00 \uff1a\u57fa\u7840\u8bc4\u4f30\u4e0e\u73af\u5883\u51c6\u5907 (\u7b2c1~2\u5468 )<br \/>\n\u8be6\u7ec6\u68b3\u7406\u73b0\u6709\u4e1a\u52a1\u6d41\u7a0b\u4e2d\u7684\u6240\u6709\u63a5\u89e6\u70b9\u5305\u62ec\u4f46\u4e0d\u9650\u4e8e\u9500\u552e\u7ec8\u7aef(POS)\u3001\u5728\u7ebf\u5546\u57ce(Cart)\u3001\u79fb\u52a8\u5e94\u7528(App)\u4ee5\u53ca\u5404\u5408\u4f5c\u91d1\u878d\u673a\u6784\u5217\u8868\u5e76\u8bc4\u4f30\u5f53\u524d\u6280\u672f\u6808\u662f\u5426\u5177\u5907\u6269\u5c55\u80fd\u529b\u5efa\u8bae\u4f18\u5148\u9009\u62e9\u4e91\u670d\u52a1\u65b9\u6848\u4ee5\u964d\u4f4e\u521d\u671f\u90e8\u7f72\u96be\u5ea6\u540c\u65f6\u786e\u4fdd\u5f39\u6027\u4f38\u7f29\u6f5c\u529b\u5145\u5206\u6ee1\u8db3\u672a\u6765\u589e\u957f\u9700\u8981\u7279\u522b\u5173\u6ce8\u6570\u636e\u5b89\u5168\u5408\u89c4\u8981\u6c42\u5c24\u5176\u662f\u6d89\u53ca\u654f\u611f\u91d1\u878d\u4fe1\u606f\u7684\u5b58\u50a8\u4f20\u8f93\u5fc5\u987b\u7b26\u5408PCI DSS\u7b49\u7ea7\u6807\u51c6\u53ca\u5f53\u5730\u6cd5\u89c4(RBI\u6307\u5bfc\u539f\u5219 )<\/p>\n<p>\u9636\u6bb5\u4e8c 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\/>\n\u9009\u62e9\u6700\u9ad8\u9891\u6216\u6700\u5177\u4ee3\u8868\u6027\u7684\u5355\u4e00\u6e20\u9053\u4f8b\u5982\u5148\u4eceUPI\u5f00\u59cb\u96c6\u4e2d\u8d44\u6e90\u6253\u901a\u7aef\u5230\u7aef\u95ed\u73af\u805a\u7126\u6838\u5fc3\u529f\u80fd\u5373\u201c\u51c6\u786e\u8bc6\u522b\u6b63\u5e38\u72b6\u6001\u4e0b\u7684\u6210\u529f\u4ea4\u6613\u201d\u6682\u7f13\u5904\u7406\u8fb9\u7f18\u6848\u4f8b\u6b64\u9636\u6bb5\u91cd\u70b9\u9a8c\u8bc1\u6280\u672f\u8def\u7ebf\u7684\u53ef\u884c\u6027\u5e76\u901a\u8fc7\u5c0f\u89c4\u6a21\u771f\u5b9e\u6d41\u91cf\u68c0\u9a8c\u7cfb\u7edf\u7a33\u5b9a\u6027\u5efa\u7acb\u5173\u952e\u6027\u80fd\u6307\u6807(KPI):\u9996\u6b21\u81ea\u52a8\u6838\u5bf9\u6210\u529f\u7387\u76ee\u6807\u8bbe\u5b9a85%\u4ee5\u4e0a\u5e73\u5747\u5904\u7406\u65f6\u957f\u63a7\u5236\u57285\u5206\u949f\u5185\u6bcf\u65e5\u53ef\u627f\u8f7d\u4e07\u7ea7\u522b\u4e8b\u52a1\u91cf\u6ce8\u610f\u4fdd\u7559\u5b8c\u6574\u65e5\u5fd7\u4f9b\u540e\u7eed\u5206\u6790\u4f7f\u7528<\/p>\n<p>\u9636\u6bb5\u4e09 \uff1a\u5168\u6e20\u9053\u8986\u76d6\u4e0e\u6df1\u5ea6\u4f18\u5316 (\u7b2c9~16\u5468 )<br \/>\n\u9010\u6b65\u7eb3\u5165\u5176\u4ed6\u91cd\u8981\u6765\u6e90\u5305\u62ec\u4f46\u4e0d\u9650\u4e8eRuPay\u4fe1\u7528\u5361\u501f\u8bb0\u5361\u5404\u7c7b\u7535\u5b50\u94b1\u5305\u751a\u81f3\u8d27\u5230\u4ed8\u6b3e\u73b0\u91d1\u6536\u6b3e\u52a1\u5fc5\u4fdd\u6301\u67b6\u6784\u7075\u6d3b\u6027\u4f7f\u65b0\u589e\u8fde\u63a5\u4e0d\u5f71\u54cd\u5df2\u6709\u6a21\u5757\u8fd0\u884c\u540c\u65f6\u5f15\u5165\u9ad8\u7ea7\u7279\u6027\u6bd4\u5982\u57fa\u4e8e\u673a\u5668\u5b66\u4e60\u9884\u6d4b\u6f5c\u5728\u7ea0\u7eb7\u63d0\u524d\u4ecb\u5165\u8c03\u6574\u53c2\u6570\u6b64\u5916\u5efa\u7acb\u5b9a\u671f\u590d\u76d8\u5236\u5ea6\u6bcf\u6708<\/p>\n<h3>\u9636\u6bb5\u56db\uff1a\u5f02\u5e38\u5904\u7406\u4e0e\u5bf9\u8d26\u95ed\u73af\uff08\u7b2c17-24\u5468\uff09<\/h3>\n<p>\u5728\u7cfb\u7edf\u8986\u76d6\u4e3b\u8981\u652f\u4ed8\u6e20\u9053\u540e\uff0c\u91cd\u70b9\u8f6c\u5411<strong>\u5f02\u5e38\u573a\u666f\u7684\u7cbe\u7ec6\u5316\u5904\u7406<\/strong>\u548c<strong>\u5bf9\u8d26\u6d41\u7a0b\u7684\u5b8c\u5168\u95ed\u73af\u5316<\/strong>::<\/p>\n<ol>\n<li>\n<p><strong>\u5efa\u7acb\u667a\u80fd\u5dee\u5f02\u5206\u7c7b\u4f53\u7cfb<\/strong><\/p>\n<ul>\n<li><strong>\u81ea\u52a8\u5f52\u56e0\u5f15\u64ce<\/strong>\uff1a\u5f00\u53d1\u7b97\u6cd5\u81ea\u52a8\u8bc6\u522b\u5dee\u5f02\u539f\u56e0\uff0c\u5982\u201c\u94f6\u884c\u624b\u7eed\u8d39\u6263\u9664\u201d\u3001\u201c\u90e8\u5206\u9000\u6b3e\u201d\u3001\u201c\u6c47\u7387\u6298\u7b97\u5dee\u989d\u201d\u3001\u201c\u91cd\u590d\u6263\u6b3e\u201d\u7b49\u5e38\u89c1\u7c7b\u522b<\/li>\n<li><strong>\u4f18\u5148\u7ea7\u6392\u5e8f\u673a\u5236<\/strong>\uff1a\u6839\u636e\u91d1\u989d\u5927\u5c0f\u3001\u65f6\u95f4\u7d27\u8feb\u6027\u3001\u5ba2\u6237\u91cd\u8981\u6027\u7b49\u56e0\u7d20\u8bbe\u5b9a\u5904\u7406\u4f18\u5148\u7ea7<\/li>\n<li><strong>\u9884\u8bbe\u89e3\u51b3\u65b9\u6848\u5e93<\/strong>\uff1a\u4e3a\u6bcf\u7c7b\u5dee\u5f02\u914d\u7f6e\u6807\u51c6\u5316\u7684\u89e3\u51b3\u8def\u5f84\uff0c60%\u4ee5\u4e0a\u7684\u5dee\u5f02\u53ef\u81ea\u52a8\u6216\u534a\u81ea\u52a8\u89e3\u51b3<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u6784\u5efa\u591a\u65b9\u534f\u540c\u5e73\u53f0<\/strong><\/p>\n<ul>\n<li><strong>\u94f6\u884c\u63a5\u53e3\u76f4\u8fde\u67e5\u8be2\u529f\u80fd<\/strong>\uff1a\u9488\u5bf9\u7591\u96be\u4ea4\u6613\u76f4\u63a5\u901a\u8fc7API\u5411\u53d1\u5361\u884c\/\u6536\u5355\u884c\u53d1\u8d77\u72b6\u6001\u67e5\u8be2\u8bf7\u6c42<\/li>\n<li><strong>\u4e89\u8bae\u7ba1\u7406\u6a21\u5757\u96c6\u6210<\/strong>: \u5c06\u65e0\u6cd5\u8c03\u548c\u7684\u5dee\u5f02\u65e0\u7f1d\u8f6c\u4e3a\u6b63\u5f0f\u4e89\u8bae\u6848\u4ef6\uff0c\u8ddf\u8e2a\u5904\u7406\u5168\u6d41\u7a0b<\/li>\n<li><strong>\u8de8\u90e8\u95e8\u5de5\u4f5c\u6d41\u8bbe\u8ba1<\/strong>: \u8d22\u52a1\u3001\u5ba2\u670d\u3001\u6280\u672f\u56e2\u961f\u5728\u540c\u4e00\u5e73\u53f0\u534f\u4f5c\uff0c\u51cf\u5c11\u6c9f\u901a\u6210\u672c<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u5b9e\u73b0\u771f\u6b63\u7684\u8d22\u52a1\u81ea\u52a8\u5316<\/strong><\/p>\n<ul>\n<li>GL\u7cfb\u7edf\u5bf9\u63a5: \u5c06\u5bf9\u8d26\u7ed3\u679c\u76f4\u63a5\u63a8\u9001\u81f3SAP\/Oracle\/Tally\u7b49\u8d22\u52a1\u7cfb\u7edf\u751f\u6210\u51ed\u8bc1<br \/>\n\u793a\u4f8b\u6d41\u7a0b: \u201c\u5339\u914d\u6210\u529f\u2192\u786e\u8ba4\u6536\u5165\u201d\u2192\u201c\u90e8\u5206\u5339\u914d\u2192\u6302\u5f85\u5904\u7406\u201d\u2192\u201c\u5b8c\u5168\u5931\u8d25\u2192\u8f6c\u574f\u8d26\u51c6\u5907\u201d<br \/>\n<em>\u5173\u952e\u70b9<\/em>:\u786e\u4fdd\u4f1a\u8ba1\u79d1\u76ee\u6620\u5c04100%\u51c6\u786e,\u7b26\u5408\u5370\u5ea6\u4f1a\u8ba1\u51c6\u5219(Ind AS)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>4.\u5efa\u7acb\u6301\u7eed\u76d1\u63a7\u4e0e\u4f18\u5316\u673a\u5236:<br \/>\n\u6bcf\u65e5\u751f\u6210\u5065\u5eb7\u5ea6\u4eea\u8868\u677f,\u6838\u5fc3\u6307\u6807\u5305\u62ec:<\/p>\n<pre><code>\u5f53\u65e5\u603b\u4ea4\u6613\u7b14\u6570 | 15,842\u7b14 \u219112%\r\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\r\n\u9996\u6b21\u81ea\u52a8\u5339\u914d\u7387 | 94.7% \u2713 (\u76ee\u6807&gt;92%)\r\n72\u5c0f\u65f6\u5185\u89e3\u51b3\u7387| 98.2% \u2713 (\u76ee\u6807&gt;95%)\r\n\u4eba\u5de5\u5e72\u9884\u6bd4\u4f8b | 3.1% \u21930.5%(\u4e0a\u6708\u540c\u671f)\r\n\u5e73\u5747\u7ed3\u7b97\u5468\u671f | T+0.8\u5929\u21980.2\u5929(\u884c\u4e1a\u5e73\u5747T+1.5)\r\n```\r\n\r\n\u4e94 \u3001\u5173\u952e\u6280\u672f\u6311\u6218\u4e0e\u5e94\u5bf9\u7b56\u7565  \r\n\r\n\u6311\u6218\u4e00 \uff1a\u6570\u636e\u788e\u7247\u5316\u4e25\u91cd  \r\n\u5370\u5ea6\u652f\u4ed8\u751f\u6001\u6d89\u53caNPCI(\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8)\u3001\u6570\u5341\u5bb6\u94f6\u884c\u3001\u6570\u767e\u4e2a\u94b1\u5305\u670d\u52a1\u5546 \uff0c\u6bcf\u5bb6\u6570\u636e\u683c\u5f0f \u3001\u63a8\u9001\u9891\u7387 \u3001\u5b57\u6bb5\u5b9a\u4e49\u5747\u6709\u5dee\u5f02 \u3002  \r\n\r\n*\u89e3\u51b3\u65b9\u6848* :  \r\n\u91c7\u7528\u4e09\u5c42\u6807\u51c6\u5316\u67b6\u6784 \uff1a  \r\n1)\u539f\u59cb\u5c42\u4fdd\u7559\u6240\u6709\u539f\u751f\u683c\u5f0f\u7528\u4e8e\u6eaf\u6e90\u5ba1\u8ba1   \r\n2)\u8f6c\u6362\u5c42\u901a\u8fc7\u914d\u7f6e\u6587\u4ef6\u9a71\u52a8ETL\u8fc7\u7a0b\u7edf\u4e00\u5b57\u6bb5\u547d\u540d\u89c4\u8303    \r\n3)\u5e94\u7528\u5c42\u63d0\u4f9b\u6e05\u6d17\u540e\u7684\u7ed3\u6784\u5316\u6570\u636e\u4f9b\u4e1a\u52a1\u4f7f\u7528   \r\n\r\n\u4f8b\u5982\u5c06\u6240\u6709\u6e20\u9053\u7684\u201c\u4ea4\u6613\u65f6\u95f4\u201d\u7edf\u4e00\u4e3aISO8601\u683c\u5f0f\u65f6\u533a\u56fa\u5b9a\u4e3aIST(+05:30)\uff0c\u91d1\u989d\u7edf\u4e00\u8f6c\u6362\u4e3aINR\u5e76\u8bb0\u5f55\u539f\u59cb\u5e01\u79cd\u53ca\u6c47\u7387\u3002\r\n\r\n\u6311\u6218\u4e8c \uff1a\u5b9e\u65f6\u6027\u8981\u6c42\u4e0e\u6280\u672f\u9650\u5236\u7684\u77db\u76fe   \r\nUPI\u7406\u8bba\u4e0a\u652f\u6301\u79d2\u7ea7\u5230\u5e10\u4f46\u5b9e\u9645\u6e05\u7b97\u6587\u4ef6\u53ef\u80fd\u5ef6\u8fdf\u6570\u5c0f\u65f6 \uff0c\u800c\u4e1a\u52a1\u7aef\u671f\u671b\u5373\u65f6\u786e\u8ba4 \u3002\r\n\r\n*\u521b\u65b0\u65b9\u6848* :\u5b9e\u65bd\u53cc\u8f68\u6838\u5bf9\u5236\u2014\u2014 \r\n-\u5feb\u901f\u901a\u9053\u57fa\u4e8e\u652f\u4ed8\u7f51\u5173\u56de\u8c03\u8fdb\u884c\u9884\u5bf9\u8d26\u6ee1\u8db3\u524d\u7aef\u5373\u65f6\u9700\u6c42\u7f6e\u4fe1\u5ea6\u7ea685%\r\n-\u7cbe\u786e\u901a\u9053\u7b49\u5f85\u5b98\u65b9\u6e05\u7b97\u6587\u4ef6\u8fdb\u884c\u6700\u7ec8\u6838\u9500\u8fbe\u523099 .99%\u51c6\u786e\u7387\u4e24\u8005\u7ed3\u679c\u5f02\u6b65\u6bd4\u5bf9\u53d1\u73b0\u504f\u5dee\u5219\u89e6\u53d1\u9884\u8b66\u8fd9\u79cd\u6a21\u5f0f\u5e73\u8861\u4e86\u901f\u5ea6\u4e0e\u51c6\u786e\u6027\u9700\u6c42\u7279\u522b\u9002\u5408\u7535\u5546\u7b49\u9ad8\u5e76\u53d1\u573a\u666f\u3002\r\n\r\n\u6311\u6218\u4e09 \uff1a\u76d1\u7ba1\u5408\u89c4\u590d\u6742\u6027\u9ad8    \r\nRBI\u4e0d\u65ad\u66f4\u65b0KYC\/\u53cd\u6d17\u94b1\/\u6570\u636e\u672c\u5730\u5316\u89c4\u5b9a\u4f8b\u59822022\u5e74\u751f\u6548\u7684\u6570\u5b57\u652f\u4ed8\u5b89\u5168\u6846\u67b6\u589e\u52a0\u4e86\u591a\u9879\u9a8c\u8bc1\u8981\u6c42\u3002\r\n\r\n*\u5408\u89c4\u8bbe\u8ba1\u539f\u5219* :\r\na)\u201c\u9690\u79c1\u4f18\u5148\u201d\u67b6\u6784\u9ed8\u8ba4\u4e0d\u5b58\u50a8\u5b8c\u6574\u5361\u53f7\u7b49\u654f\u611f\u4fe1\u606f\u5fc5\u8981\u65f6\u4ec5\u4fdd\u7559\u4ee4\u724c\u5316\u6807\u8bc6\u7b26      \r\nb)\u5b8c\u6574\u7684\u5ba1\u8ba1\u8ffd\u8e2a\u94fe\u6bcf\u7b14\u4ea4\u6613\u7684\u6bcf\u4e2a\u72b6\u6001\u53d8\u66f4\u5747\u9700\u8bb0\u5f55\u64cd\u4f5c\u8005IP\u5730\u5740\u65f6\u95f4\u6233\u4e14\u4e0d\u53ef\u7be1\u6539        \r\nc)\u5b9a\u671f\u5408\u89c4\u81ea\u68c0\u6a21\u5757\u6bcf\u6708\u81ea\u52a8\u68c0\u67e5\u89c4\u5219\u5e93\u66f4\u65b0\u60c5\u51b5\u63d0\u793a\u5fc5\u8981\u7684\u7cfb\u7edf\u8c03\u6574        \r\n\r\n\u516d \u3001\u672a\u6765\u8d8b\u52bf\u4e0e\u6280\u672f\u524d\u77bb  \r\n\r\nAI\u9a71\u52a8\u7684\u9884\u6d4b\u6027\u5bf9\u8d26   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