Basics

(1) What is Corporate Internet Banking?

It is a banking system that delivers financial services directly to the corporate clients' office, by connecting the bank's website and the corporation's computer terminal through the Internet or other public information networks.

(2) What services does Corporate Internet Banking deliver?

Services delivered by Corporate Internet Banking include, but not limit to, account inquiry, internal transfer, outward payment, agency salary disbursement, funds collection and allocation within the group, bank's info inquiry, etc..

What does Corporate Internet Banking feature, compared with the traditional counter banking?

Secure and safe, convenient and quick, no time and space bound, time- and cost efficient.

(3) What are the hardware requirements for Corporate Internet Banking?

CPU: 133Mhz or higher

Memory: 16M or larger with 64M above recommended.

Hard Disk: 50M or bigger

Operation System: Windows98/2000/XP.

Network: Internet linked

Browser: IE6.0 or higher version.

(4) What's the designated account?

The payee's account designated when the client conducts online transfer.

(5) What is the authorized account?

It is an account of the corporate that the client authorizes others (parent company or affiliates, in general) to make inquiries on, allocate funds to or collect funds from.

(6) What is the Corporate Client Certificate?

A digital certificate of the client's identification issued by the China Financial Certification Authority (CFCA) of the PBOC.

(7) What is an internal transfer?

Here means funds transfer among the corporation's CIB accounts.

(8) What is an outward payment?

It is a payment from the client to other companies. The payee can be local or non-local, and can be CIB clients or non-CIB clients.

(9) What is the funds allocation?

A service that enables the group client to review its subsidiaries account information and allocate funds.

Security

(1) What security measures does Corporate Internet Banking implement?

To safeguard the client's funds, Corporate Internet Banking takes rigorous security measures including:

•  The corporate client certificate;

•  Cutting-edge network firewalls;

•  Rigorous internal control;

•  Intelligent module design, and

•  Personal password.

(2) How does Corporate Internet Banking transmit and store data?

All the data transmitted via Internet between the client and the bank are encrypted. The encryption method provided by the CFCA, with high encryption intensity, is effective in safeguarding against decoding and tampering.

All the data regarding to the client's account information are stored on the bank's server, no data are retained on the client's terminal.

(3) How many types of operators does Corporate Internet Banking address? How to manage their operating rights?

There are three types of operators for Corporate Internet Banking banking, i.e. financial officer, administrator and general operators. The financial officer and the administrator are nominated by the client and determined by the bank upon a successful application for Corporate Internet Banking, while the general operators are created by the corporation at its discretion.

The financial officer is mainly in charge of authorization affairs for transactions via Corporate Internet Banking.

The administrator takes the role of managing the general operators subjected to the approval from the financial officer, such as adding a new operator, deleting an existing operator, and assigning operating rights to the general operators.

Corporate Internet Banking provides, according to different operating rights, three further types of general operators to meet the complicated needs of financial operations, the handlers, the reviewers and the authorizing operators.

The management of operating rights with Corporate Internet Banking is based on the client's account. The administrator can assign different operating rights to different operators.

(4) What's the function of the corporate client certificate ?

It gives the client an identification when accessing to Corporate Internet Banking, and encrypts the data transmitted via the Internet between the client and the Bank. It is a guarantee for the legality, validity and security when conducting Internet banking services.

(5) What's the function of the personal password?

The personal password, consisting of 6 to 13 digits, is the security basis for the operator to log on to Corporate Internet Banking and conduct internet banking business. The password should be changed periodically and keep in secret.

(6) Can a general operator possess all the rights of handling, reviewing and authorizing simultaneously for an account?

No. For the same account, the general operator can only have one of these rights, or have two of reviewing and authorizing. It is designed to ensure that each transaction is concluded by two or more operators.

(7) Can I perform a hierarchical management for the authorizing rights of the authorizing operators?

Yes, where the authorizing rights can be divided into up to three classes.

(8) What is the valid period of the corporate client certificate?

The valid period of the corporate client certificate is two years. It will automatically extended upon expiration if the corporate client does not apply for a revocation, and the times for extension is unlimited.

(9) Will it endanger the security of my funds if my certificate is lost?

The certificate is consists of three parts: the configuration file, the secure name and the password. Your funds are still safe when losing any one or two of them. However, if all of them are lost, and your personal password are lost too, a cancellation procedure for your certificate is needed to safe guard your money.

(10) What does the certificate password consist?

It is made up of 8+ letters and digits with one uppercase, one lowercase and one digit at least.

(11) What can I do if I lose any, both or all of my finance officer's password, my administrator's password and my operators' passwords?

In the case of the finance officer's and/or the administrator's, you have to hand in a report sealed as your signature card, together with ID documents, to reset your password at the account bank. As if for the operators, the administrator can reset their passwords immediately.

(12) How to maintain the daily security?

Please keep the following tips in mind:

•  Installing anti-virus software when available, and updating it periodically.

•  Never opening emails from unknown sources.

•  Never setting up pirated games and/or softwares.

•  Running the built-in programs of the WINDOWS to scan your disk and clean up your programs.

•  Never using computer when the power failure is frequently occurring.

•  Keeping your computer clean and protecting it from static electricity and dust.

(13) How to secure my certificate?

The certificate is consists of three parts: the configuration file, the secure name and the password. Please always remember your secure name and password. And store the configuration file in a 3.5 soft disk or an USB key provided by the bank, together with a backup copy.

(14) What can I do if I forget my certificate password?

Pease present a report sealed as your signature card and fill in the Corporate Internet Banking Client Certificate Application Form at your account bank to acquire a new one certificate.

Services

(1) What services does Corporate Internet Banking deliver?

Account Inquiry : including same-day transaction details and transaction history of the current account, loan account and time account.

Transfer and Payment : including internal transfer, funds allocation within the group, and outward payment.

Salary Disbursement in batch.

Expenses Management : funds transfer into private account to reimburse its expenses.

Corporate Investment : deposit conversion between the current account and time account, current account and call account.

Banking Services for Group Clients: establishing settlement center for the group to manage accounts of the parent company and its subsidiaries.

Client Services : loss report, bank notification of bounced checks.

(2) Can I check the information about my loan account and time account?

Yes. You can check the information about all your loan accounts and time accounts with your account bank. Three checking manners are provided, that is, by due date, displaying all and according to the loan receipt number for the loan account and account number for the time account.

(3) Can I check the money that someone else pay to me and credit to my account?

Yes. Same-day Transaction Details enable you to check all the items paid to you today, and Transaction History provides historical arrivals info.

(4) Can I check the outward payment that just exercised via CIB Online?

Yes. You can do it though Same-day Transaction Details.

(5) Can I check the come-and-go info about my account in a specified period?

Yes. You can input the starting date and ending date of your desired period in Transaction History and check whatever you want.

(6) Can I download the account statement?

Yes. Enter the beginning day and the ending day of your desired period in Transaction History and check the info, and then press the “download” button to obtain a bank statement. It can be opened with Excel for reviewing and printing.

(7) Can I make transfer to non-CIB clients?

Yes.

(8) Can I make an inter-city transfer?

Yes. There is no space barrier so long as within the territory of China , for transfer with CIB Online.

(9) How does CIB Online differentiate the payment instructions between intra-city transfer and inter-city transfer?

The system deems it as an intra-city transfer if the “Payee's City” field in the outward payment page of CIB Online is blank, while a inter-city transfer with a specified payee's city.

(10) Can I schedule a future-dated transfer?

Yes. When scheduling, please select the days away from your actual payment (within 15 days) from the “Transfer Date” column, and the transfer will be executed automatically on the due date.

(11) After the authorization on a payment, how do I know whether it is succeeded or not?

The system will give a piece of confirmation info after authorization. Or you can check it via Same-day transaction details.

(12) After a successful transfer, what can I use for the purpose of bookkeeping?

In the case of using bank certificate, you can make entry with the stub of the dedicated online transfer check, or with the bank statement of the transaction acquired at your account bank. In the case of using electronic certificate, you can make a temporary entry with the printed statement sheet downloaded online and make a formal entry with the sealed formal bank statement acquired at your account bank.

(13) Can I cancel a payment instruction?

The handler can cancel a payment instruction just before authorization. After being authorized, the handler can only cancel those instructions with execution date other than the canceling day.

(14) What are the difference among the internal transfer, outward payment and funds allocation within the group?

Internal transfer here refers to transfer between the corporation's CIB accounts, and generally is local transfer.

Outward Payment means transfer from the corporation's account to any account other than the corporation's, where the beneficiary's account could be non-CIB account.

Funds allocation within the group is that the group client examines its subsidiaries' or branches' account info and allocates funds, where all the accounts must be CIB accounts.

(15) Can I mix the CIB Online transfer checks and general transfer checks up?

No. Moreover, the CIB Online transfer checks for different Corporate Internet Banking accounts cannot be mixed up either.

(16) What's the difference between the arrival time of the online transfer and that of the traditional counter transfer?

No later that the latter with real-time arrival for local CIB beneficiary.

(17) What are the advantages for distributing salary online?

Handling in batch, crediting at the same day.

Convenient operation and easy maintenance.

(18) How to generate the payroll for making online salary disbursement?

Just edit with Excel or the built-in Notepad of Windows Operation System.

(19) Is the credited amount equal to the total amount of the payroll when making online salary disbursement?

Not exactly. It is adjusted according to the actual results.

(20) What will happen if the card number and its corresponding name in the payroll and those stored in the system do not match?

It's up to the client to give check instructions when generate salary payment instructions. In the event of no check, the money is credited according to the card number.

(21) What will happen when card numbers in a payroll are wrong?

In that case, the system will give a piece of non-existence message, and deduct the corresponding amount from the total amount.

The client can download the wrong payroll sheet, modify and resubmit.

(22) Can it be credited when the card number in the payroll is reported of loss?

Yes. But the withdrawal can only be made after the cancellation of the loss report.

(23) Can it be credited when the card number in the payroll is frozen?

Yes. But the withdrawal can only be made after the frozen status is cancelled.

(24) Can it be credited when the card number in the payroll is mortgaged?

Yes.

(25) What can be used for bookkeeping when making salary payments?

The bank statement from your account bank.

(26) How many states of the payment instruction and the salary disbursement instruction? What do they mean?

There are 6 states for a payment instruction, namely unreviewed, reviewed, cancelled, authorized, transfer succeeded and transfer failed, where the authorized state is appeared only when future-dated payment instruction is given.

There are 7 states for a salary disbursement instruction, that is, unreviewed, reviewed, cancelled, authorized, transfer succeeded, partially succeeded and transfer failed.

All of them can be literally interpreted.

(27) What's the use of the bank notification service of Corporate Internet Banking?

By way of it, you can receive info from the bank about bounced checks, due loans, rates fluctuation, etc..

(28) Can I know my operation rights with Corporate Internet Banking?

Yes. Just select the personal right inquiry service with Corporate Internet Banking.

(29) Can I change my password?

Definitely. Just click the password change under the client services menu.

(30) Can I have knowledge about the business scope of an account?

It is only available to the financial officer. Just click the business scope under the client services menu.

(31) Can I handle a loss report for bank certificates online?

Only for CIB online transfer checks.

(32) Who have the rights to authorize?

The financial officer has all of the authorizing rights.

The general operator may have part of the authorizing rights assigned by the administrator and approved by the financial officer.

(33) Can I modify the operator's info?

Yes. The administrator is able to modify subject to the authorization of the financial officer.

(34) Can I lock up an operator when he/she takes business travel?

Yes. And the lock-up made by the administrator will be in effect immediately without the financial officer's authorization.

Guide

(1) What are the conditions and requirements for applying for Corporate Internet Banking?

All CIB corporate clients are eligible.

(2) How to apply?

Please take the following steps:

•  Acquiring the “Corporate Internet Banking Application Form ”, the “Corporate Internet Banking Banking Services Agreement” and the “Corporate Client Certificate for CIB Online Banking Services Application Form” at your account bank;

•  Filling up these forms and submitting them together with the original and photocopy of your business license, the originals and photocopies of ID cards of the finance officer and the administrator, to the account bank. Please note that the email address must be correct and true;

•  After reviewing, the account bank will provide you with 8-bit passwords of the financial officer and the administrator, and the 12-bit authorizing code of the Certificate;

•  Purchasing the CIB online transfer checks as may need;

•  Getting your 8-bit serial number of your certificate in the email sent by the bank, and

•  The Bank will come to your office to install software and train your operators.

(3) What fees does Corporate Internet Banking charge?

Handling fees of transfer and payment are charged according to the Management Methods of Payment and Settlement.

Service charge on the corporate client certificate and related handling fee will be levied annually, and it is free of charge for the time being.

(4) How to modify my information?

Please fill in the Corporate Internet Banking Banking Services Application Form and submit to your account bank.

The operating rights of your operators shall be reset by your administrator after modification.

(5) How to add a new bank account to Corporate Internet Banking?

Please fill in the Corporate Internet Banking Banking Services Application Form and submit to your account bank.

(6) How to apply for the centralized position management service?

Firstly, the parent company or affiliated company must be users of Corporate Internet Banking. (The subsidiary is not necessary to be a Corporate Internet Banking client.)

Secondly, the subsidiary completes the Authorization Application Form for CIB Corporate Settlement Center and hands in to your account bank, and

After reviewed and approved by the account bank, the parent company are able to manage positions of its subsidiary.

(7) How to change the scope of the designated outward payment accounts?

Please fill in the Corporate Internet Banking Banking Services Application Form and submit to your account bank.

(8) How to terminate Corporate Internet Banking?

Please file a report sealed as your signature card to your account bank.

(9) How to re-apply a corporate client certificate when the old one is damaged or lost?

•  Fill in the Corporate Internet Banking Client Certificate Application Form and submit together with a sealed written report to your account bank;

•  Request the authorization code of the certificate from your account bank;

•  Get the 8-bit serial number of your certificate from the email sent by the account bank;

•  Execute Direct (installed upon account opening), generate a new corporate client certificate.

(10) Are there any restrictions on the business hour of Corporate Internet Banking?

No. Corporate Internet Banking provides 7 × 24 service.

(11) How to log on?

Double click the logo of your certificate, and then enter the certificate password.

Wait till the IE is popped up, and then enter the logon name and corresponding logon password.