Grace Chang 發問時間: 社會與文化語言 · 1 0 年前

什麼是ACH呢?

這是我在雜誌上看到的

automated clearinghouse (ACH) transer ACH自動轉帳

有沒有人可以告訴我,什麼是 automated clearinghouse (ACH)呢?謝謝!

已更新項目:

請問它的中文是翻成什麼呢?

2 個解答

評分
  • 匿名使用者
    1 0 年前
    最佳解答

    The Automated Clearing House (ACH) is a nationwide electronic banking network that processes large volumes of both credit and debit transactions which are originated in batches. Rules and regulations governing the ACH network are established by the National Automated Clearing House Association (NACHA) and the Federal Reserve (Fed).

    ACH credit transfers include direct deposit payroll payments and payments to contractors and vendors. ACH debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.

    Debit transfers also include new applications such as the Point-of-Purchase (POP) check conversion pilot program sponsored by NACHA. FedACH is the Federal Reserve's centralized application software used to process ACH transactions. Both the government and the commercial sectors use ACH payments.

    The Federal Reserve Banks are collectively the nation's largest automated clearinghouse operator and in 2000 processed more than 80 percent of commercial interbank ACH transactions. Private-sector ACH operators (PSOs) process the remaining transactions and typically provide services, including processing and settling ACH transactions, similar to those offered by the Reserve Banks. PSOs and the Reserve Banks rely on each other for the processing of some transactions in which either the Originating Depository Financial Institution (ODFI) or Receiving Depository Financial Institution (RDFI) is not their customer. These interoperator transactions are settled by the Reserve Banks.

    In 2002 the system processed more than 8.94 billion ACH entries which amounted more than $24.4 trillion.

    2005-10-01 18:29:31 補充:

    媒體交換(ACH代收代付業務):

    係指金融機構對於客戶申請辦理定期性、重複性、大量小額之跨行轉帳交易,以網路傳輸或錄製為磁片等媒體,將轉帳資料傳送本所分類、結算後,先送交中央銀行清算,再由其他金融機構提回入帳;或先由其他金融機構提回扣帳,再送交中央銀行清算之謂。

    在台灣也是講ACH.

    參考資料: www.wikipedia.org
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  • 1 0 年前

    簡單說...就是自動轉帳扣繳!

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