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了解单一欧元支付区 (Delay the Yacht, Get on Board with SEPA)

Helen Sanders - 编辑

目光敏锐或者有轻微强迫症的读者也许还记得我去年写过一篇名为《SEPA快要实现了吗?》的文章。前年,我写过类似的文章,大前年也写过,前几年都写过。实际上,我记得我2006年就写过一篇有关SEPA的文章——《迈向2008》。2008年(这一年SEPA贷记转账正式启动)当然是值得纪念的一年,但这并不是因为我们看到SEPA的旗帜在最近的欧洲城市上空飘扬。因此,至少在最近的五年中,聪明的读者读过有关SEPA的文章,心中有点似曾相识的困惑并不令人意外。这些文章不断吁请着手向SEPA转移,并借此提升收付款操作,但这些吁请几乎被当成耳边风。整个欧元区SEPA贷记转账仅占10%,而SEPA直接扣款仅占0.07%,进展慢得可怜。自业界最初倡导启动SEPA计划已有五年,很多人还是把它和“整理现金流预测”及“找艘游艇准备退休”一起列在“待办”清单上,没有奢望终有一天要实现。

向SEPA转移:迫在眉睫

遗憾的是,对于这些喜欢空想和推诿的人而言(我们大部分人都属于这一类),也许我们得将找游艇的事再搁置一年,是时候开始着手落实SEPA了。真的,我不想明年再写一篇关于SEPA的文章,后年就更不想。如今,SEPA支付机制完全代替境内支付工具的最后期限已经设定:2012年末实现SEPA贷记转账,2013年实现SEPA直接扣款,财务主管们不能指望再推迟向SEPA转移。“为什么?”我听到你们在笑,“还有18个月的时间呢,把游艇杂志递给我!”不行!

Published 
Please note: this article is over 10 years old. If you feel this article is inaccurate or contains errors get in touch here . Many thanks, TMI

Delay the Yacht, Get on Board with SEPA

by Helen Sanders, Editor

Sharp-eyed readers, or those suffering from some obsessive compulsive disorder, may remember an article that I wrote last year entitled ‘SEPA: Are we nearly there?’. The year before that, I wrote something similar – and indeed the year before that, and so on. Indeed, I remember writing a SEPA piece in 2006 entitled ‘The road to 2008’. Well, 2008 (the year in which SEPA Credit Transfers were introduced) is certainly memorable, but not because we all saw the SEPA flag waving over our nearest European city. So for at least the past five years, articles about SEPA have, not surprisingly, been read by perspicacious readers whilst in some sort of déjà vu haze. Constant entreaties to get on with migration to SEPA and to use the opportunity to enhance payments and collections processes appear, however, to have fallen on almost deaf ears. With an overall Eurozone volume of around 10% SEPA credit transfers and a staggering 0.07% of SEPA direct debits, progress has been fairly pitiful. So five years on from the industry’s original exhortations  to start planning for SEPA, many of us are still happy to pop it on a ‘to do’ list next to ‘sort out cash flow forecasting’ and ‘find yacht for retirement’ without any great expectation that we will ever get around to it.

Quick Guide to SEPA (click to enlarge)

Waking up to SEPA

Unfortunately for the dreamers and prevaricators, which I think comprises most of us, we probably have to leave our yacht-finding for another year, and start looking at SEPA. Really, I mean it, I don’t want to have to write yet another article on this next year, and definitely not the year after. With defined deadlines now set for the retirement of domestic payment instruments, to be replaced by SEPA payments, treasurers cannot reasonably expect to delay their migration to SEPA beyond late 2012 for credit transfers and 2013 for direct debits. “Why”, I hear you chortle, “that’s still 18 months away, hand over the yachting magazine!” Well, no.