General Interbank Recurring Order (GIRO): 通用银行定期转账（GIRO）
In this article, we delve into the intricacies of bank GIRO transfers, a prevalent cashless payment method in Europe and Asia. Discover how these electronic transactions work, their advantages over traditional methods, and why they are considered a secure option for both individuals and businesses.
在这篇文章中，我们将深入探讨银行GIRO转账的复杂性，这是一种在欧洲和亚洲非常普遍的无现金支付方式。了解这些电子交易的工作原理、它们相对于传统方法的优势，以及为什么它们被认为是个人和企业的安全选择。
Understanding bank GIRO transfers
了解银行GIRO转账
Bank GIRO transfers, powered by the General Interbank Recurring Order (GIRO) system, have become a cornerstone of cashless transactions in Europe and Asia. Unlike traditional payment methods, GIRO transfers involve the direct movement of money between bank accounts, offering a seamless and secure way for businesses to receive payments from foreign customers.
银行GIRO转账，由通用银行定期转账（GIRO）系统支持，已成为欧洲和亚洲无现金交易的基石。与传统支付方式不同，GIRO转账涉及银行账户之间的直接资金流动，为商家从外国客户那里收款提供了一种无缝且安全的方式。
How bank GIRO transfers work
银行GIRO转账的工作原理
A bank GIRO transfer facilitates efficient transactions for companies providing goods and services. Serving as a reliable alternative to paper checks, these transfers ensure a secure transfer of funds from one bank account to another, with the payer initiating the process. These transfers can be either domestic or international, offering flexibility to businesses with diverse customer bases.
银行GIRO转账为提供商品和服务的公司促进了高效交易。作为纸质支票的可靠替代品，这些转账确保了从一个银行账户到另一个银行账户的安全资金转移，由付款人发起该过程。这些转账可以是国内的，也可以是国际的，为拥有多样化客户群的企业提供了灵活性。
GIRO transfers can be categorized as single orders or recurring arrangements. Single orders are suitable for infrequent transactions, while recurring orders, also known as standing orders, are ideal for regular payments. The efficiency of GIRO transfers is underscored by their speed, outpacing the processing time of standard paper checks.
GIRO转账可以分为一次性订单或定期安排。一次性订单适用于不频繁的交易，而定期订单（也称为定期付款）则适用于定期付款。GIRO转账的效率体现在其速度上，超过了标准纸质支票的处理时间。
Pros and cons of bank GIRO transfers
银行GIRO转账的优缺点
Example of a bank GIRO transfer
银行GIRO转账的示例
When initiating a bank GIRO transfer, the payer sends a request to the designated entity. This request is then routed to the GIRO center or financial institution, which verifies the availability of funds in the payer’s account before promptly debiting them. Notably, large utility companies often receive multiple daily payments through electronic GIRO transactions, each accompanied by a unique reference number for tracking and record-keeping.
在发起银行GIRO转账时，付款人向指定的实体发送请求。然后该请求被路由到GIRO中心或金融机构，后者在及时借记付款人账户中的资金之前，会验证付款人账户中是否有足够的资金。值得注意的是，大型公用事业公司通常通过电子GIRO交易每天收到多次付款，每次付款都附带一个独特的参考号码，以便跟踪和记录保存。
Bank GIRO transfers vs. other payment methods
银行GIRO转账与其他支付方式
While bank GIRO transfers stand out as a common electronic payment method, users have various alternatives depending on their location. In the United States, the Automated Clearing House (ACH) network facilitates secure electronic transactions for purposes such as payroll, direct deposit, tax refunds, and consumer bills. Some of the alternative payment methods include physical checks, electronic checks, debit cards, digital wallets, and mobile payment apps.
虽然银行GIRO转账是一种常见的电子支付方式，但用户可以根据他们的位置选择各种替代方案。在美国，自动清算所（ACH）网络为工资、直接存款、退税和消费者账单等目的促进安全的电子交易。一些替代支付方式包括纸质支票、电子支票、借记卡、数字钱包和移动支付应用程序。
For an updated list of the best payment apps in 2023, refer to our comprehensive guide.
有关2023年最佳支付应用程序的更新列表，请参考我们的综合指南。
Managing GIRO transactions
管理GIRO交易
Customers can effortlessly set up and manage their GIRO arrangements through their bank’s internet or online banking features. The user-friendly interfaces provided by banks enable individuals and businesses to schedule and monitor their recurring GIRO transactions with ease.
客户可以通过银行的互联网或在线银行功能轻松设置和管理他们的GIRO安排。银行提供的用户友好界面使个人和企业能够轻松安排和监控他们的定期GIRO交易。
Insufficient funds and GIRO transactions
资金不足和GIRO交易
In cases where an account lacks sufficient funds to cover a GIRO deduction, banks may impose a service fee. It is crucial for users to maintain adequate funds in their accounts to avoid any additional charges associated with failed GIRO transactions.
当一个账户缺乏足够的资金来支付GIRO扣款时，银行可能会收取服务费。用户保持账户中有足够的资金以避免与失败的GIRO交易相关的任何额外费用至关重要。
Security measures of bank GIRO transfers
银行GIRO转账的安全措施
One key advantage of bank GIRO transfers lies in their inherent security. Unlike paper checks that may be susceptible to loss or theft in the mail, GIRO transactions are conducted electronically, minimizing such risks. The secure nature of these transactions enhances confidence among both payers and recipients.
银行GIRO转账的一个关键优势在于其固有的安全性。与可能在邮件中丢失或被盗的纸质支票不同，GIRO交易是电子进行的，最大限度地减少了这种风险。这些交易的安全性增强了付款人和收款人的信心。
Emerging technologies and bank GIRO
新兴技术与银行GIRO
With the advent of emerging technologies, bank GIRO transfers are witnessing advancements to further streamline processes. The integration of blockchain technology, for instance, enhances the security and transparency of GIRO transactions. Smart contracts, powered by blockchain, automate and enforce the terms of agreements in GIRO transfers, reducing the need for intermediaries and enhancing overall efficiency.
随着新兴技术的出现，银行GIRO转账正在见证进一步简化流程的进步。例如，区块链技术的整合增强了GIRO交易的安全性和透明度。由区块链驱动的智能合约自动执行并强制执行GIRO转账中的协议条款，减少了对中间人的需求，并提高了整体效率。
Additionally, the rise of Open Banking APIs (Application Programming Interfaces) has facilitated seamless connectivity between banks and other financial institutions. This connectivity allows for real-time data sharing, improving the speed and accuracy of bank GIRO transactions. As technology continues to evolve, these innovations are expected to shape the future landscape of electronic payments.
此外，开放银行API（应用程序编程接口）的兴起促进了银行和其他金融机构之间的无缝连接。这种连接性允许实时数据共享，提高了银行GIRO交易的速度和准确性。随着技术的不断进步，这些创新预计将塑造电子支付的未来格局。
Global adoption and cultural impact
全球采用和文化影响
While bank GIRO transfers are widely embraced in Europe and Asia, their global adoption is expanding. As businesses operate on an increasingly international scale, the need for efficient cross-border transactions grows. Some countries are integrating aspects of the GIRO system into their own electronic payment infrastructures to leverage its benefits.
虽然银行GIRO转账在欧洲和亚洲被广泛接受，但其全球采用正在扩大。随着企业在全球范围内运营，对高效跨境交易的需求也在增长。一些国家正在将其电子支付基础设施与GIRO系统相结合，以利用其优势。
The cultural impact of bank GIRO transfers is notable, especially in regions where they are deeply ingrained in the financial ecosystem. Understanding the cultural nuances associated with these transactions is essential for businesses and individuals engaging in global commerce. The cross-cultural acceptance of bank GIRO transfers signifies their resilience and adaptability in diverse economic landscapes.
银行GIRO转账的文化影响是显著的，特别是在这些交易深深嵌入金融生态系统的地方。理解与这些交易相关的文化细微差别对于参与全球商业活动的企业和个人至关重要。银行GIRO转账在跨文化中的接受表明了它们在多样化经济环境中的韧性和适应性。
Future trends in bank GIRO
银行GIRO的未来趋势
Looking ahead, several trends are poised to shape the future of bank GIRO transfers. The rise of Central Bank Digital Currencies (CBDCs) introduces the potential for governments to issue their own digital currencies, impacting the landscape of electronic payments, including GIRO transfers. The integration of artificial intelligence and machine learning algorithms is expected to enhance fraud detection and risk management in GIRO transactions, further fortifying their security.
展望未来，几种趋势有望塑造银行GIRO转账的未来。央行数字货币（CBDCs）的兴起为政府发行自己的数字货币提供了可能性，这将影响电子支付的格局，包括GIRO转账。人工智能和机器学习算法的整合预计将增强GIRO交易中的欺诈检测和风险管理，进一步加强其安全性。
Additionally, the growing emphasis on environmental sustainability is driving the shift from paper-based transactions to digital alternatives. As more businesses and consumers prioritize eco-friendly practices, the adoption of bank GIRO transfers is likely to accelerate, contributing to a greener financial ecosystem.
此外，对环境可持续性的日益重视正在推动从纸质交易向数字替代品的转变。随着越来越多的企业和消费者优先考虑环保实践，银行GIRO转账的采用可能会加速，从而促进更环保的金融生态系统。
Conclusion
结论
Bank GIRO transfers have come a long way since their inception, evolving into a secure and efficient method for conducting electronic transactions. As technology continues to advance and global commerce expands, the role of bank GIRO transfers is set to grow. By understanding their mechanisms, benefits, and potential for innovation, businesses and individuals can leverage these transfers to meet their financial needs in a rapidly changing world.银行GIRO转账自诞生以来已经取得了长足的进步，发展成为一种安全高效的电子交易方式。随着技术的不断进步和全球商业的扩展，银行GIRO转账的作用将不断增长。通过理解其机制、优势和创新潜力，企业和个人可以利用这些转账方式满足他们在快速变化的世界中的金融需求。
第二问，看了老外一通得瑟，你看懂了个啥。只能对老外说“解释得很好，下次别解释了”。
那这个GIRO怎么理解，我换个翻译General Issue Receipt Order