Me Ya Sa Wannan Ƙaura Take Da Muhimmanci
SWIFT tana dakatar da tsoffin tsarin saƙonnin MT don fifita ma'aunin ISO 20022 mai wadatar bayanai. Ga ƙungiyoyin baitulmali da kuɗi, wannan yana nufin cewa hanyoyin sarrafa bayanan bankinku dole ne su canza daga MT940 zuwa CAMT.053 kafin ƙarshen lokacin da aka tsayar.
Jadawalin Ƙaura Na SWIFT
| Kwanan Wata | Mataki | Tasiri |
|---|---|---|
| Nuwamba 2025 | Ƙarshen zaman tare na MT-zuwa-MX don biyan kuɗi na ƙasashen waje | Saƙonnin PACS yanzu ISO 20022 ne kawai |
| Nuwamba 2026 | Adireshi mai tsari/na haɗin gwiwa na tilas; an ƙi MT101 mai umarni da yawa; Mataki na 1 na Sarrafa Shari'a | Tsarin adireshi dole ne ya bi ka'ida; za a ƙi wasu saƙonnin MT |
| Ƙarshen 2026 | Fara zaɓin karɓar CAMT.052/.053/.054 | Cibiyoyin kuɗi za su iya fara karɓar bayanan ISO na asali |
| Nuwamba 2027 | Duk cibiyoyin kuɗi dole ne su karɓi CAMT.053 na asali | SWIFT za ta daina canza tsari daga MT zuwa ISO; tsarin ku dole ne ya bincika CAMT kai tsaye |
| Nuwamba 2028 | Cikakken dakatar da MT940/MT942/MT950/MT900/MT910 | Tsoffin tsarin bayanan ba su nan kuma; CAMT.052/.053/.054 su ne zaɓi ɗaya tilo |
Abin Da Ya Canza Don Lambar Ku
Kafin: MT940 Kawai
from bankstatementparser import Mt940Parser
parser = Mt940Parser("statement.mt940")
df = parser.parse()
Bayan: Duka Tsari Biyu Tare Da Gano Ta Atomatik
from bankstatementparser import create_parser, detect_statement_format
fmt = detect_statement_format("statement.xml") # ko .mt940
parser = create_parser("statement.xml", fmt)
df = parser.parse() # Tsarin DataFrame ɗaya komai tushen tsari
Aikin detect_statement_format() yana gano ko fayilin MT940 ne, CAMT.053, PAIN.001, ko kowane tsari da ake tallafawa. Aikin create_parser() yana mayar da mai binciken da ya dace. Lambar ku ta ƙasa tana aiki daidai ba tare da la'akari da tsarin tushen ba.
CAMT.053 vs MT940: Manyan Bambance-bambance
| Fasali | MT940 | CAMT.053 |
|---|---|---|
| Wadatar bayanai | Filayen da aka iyakance | Bayanan ninka 3-5 a kowane ma'amala |
| Haruffan rubutu | Iyakantacce (haruffan SWIFT) | Cikakken Unicode |
| Tsari | Rubutu mai lebur tare da alamomi | XML mai sunayen sarari |
| Rahoton ma'auni | Buɗewa/rufe kawai | Nau'ikan ma'auni da yawa |
| Nassoshi | Filin nasshin guda ɗaya | Nau'ikan nasshin da yawa |
| Sarrafa kuɗaɗe | Na asali | Cikakken kuɗaɗe da yawa tare da ƙimar musaya |
Yadda Mai nazarin bayanin banki Ke Taimakawa
- API Mai Haɗin Kai: Bincika duka MT940 da CAMT.053 tare da hanyar
parse()ɗaya, yana samar da tsarin DataFrame iri ɗaya. - Gano ta atomatik: Babu buƙatar sanin tsarin a gaba.
detect_statement_format()yana gano shi ta atomatik. - Ba a damuwa da sunayen sarari: Yana sarrafa kowane nau'in CAMT.053 (001.02, 001.04, ko ɓoyayyun banki na musamman) ba tare da saituna ba.
- Streaming: Sarrafa manyan fayilolin CAMT (50 MB+, ma'amaloli 50K+) tare da ƙwaƙwalwar ajiya mai iyaka.
- Gwajin ƙaura: Gudanar da duka masu bincike biyu a lokaci guda a kewayon kwanan wata ɗaya don tabbatar da daidaiton fitowar kafin sauya.
Farawa
pip install bankstatementparser
from bankstatementparser import create_parser, detect_statement_format
# Yana aiki tare da MT940 yau, CAMT.053 gobe
for file in bank_statement_files:
fmt = detect_statement_format(file)
parser = create_parser(file, fmt)
df = parser.parse()
process(df) # Lambar ku ba ta canzawa