【中文版】

U盾是中国银行推出的一种安全认证工具，主要用于保护网上银行交易的安全性和保密性。那么，U盾什么时候用呢？

首先，在进行网上银行转账、支付、确认等涉及资金的操作时，需要使用U盾进行身份验证和签名验证。这是为了确保资金安全，防止他人盗用或冒充您的身份进行交易。

其次，在使用网上银行进行一些敏感操作时，比如修改密码、查询账户明细等，也需要使用U盾进行身份验证。这是为了保护您的账户信息和隐私。

另外，在使用U盾时需要注意以下几点。首先，要妥善保管U盾和密码，防止他人获取。其次，在进行网上银行操作时，要确认电脑环境的安全性，避免被病毒或木马攻击。最后，如果发现U盾丢失或被盗用，要及时联系银行进行挂失和补办。

总的来说，U盾是网上银行交易中不可或缺的安全认证工具，使用U盾可以有效地保护您的资金安全和隐私。

【英文版】

U盾 is a secure authentication tool launched by the Bank of China, mainly used to protect the security and confidentiality of online banking transactions. So, when should we use U盾?

Firstly, when performing online banking transactions such as fund transfers, payments, confirmations, and other related fund operations, U盾 is required for identity verification and signature verification. This is to ensure the safety of funds and prevent others from stealing or impersonating your identity to conduct transactions.

Secondly, when performing some sensitive operations online such as password modification, account detail inquiry, etc., U盾 is also required for identity verification. This is to protect your account information and privacy.

In addition, when using U盾, the following points need to be noted. Firstly, the U盾 and password should be properly kept to prevent others from obtaining them. Secondly, when performing online banking operations, it is necessary to confirm the security of the computer environment to avoid being attacked by viruses or malware. Finally, if U盾 is lost or stolen, it should be reported to the bank for loss reporting and replacement in a timely manner.

Overall, U盾 is an indispensable secure authentication tool for online banking transactions. Using U盾 can effectively protect your fund security and privacy.