中文：

网银代扣是指通过网上银行进行支付结算的方式之一，它是指银行通过与企事业单位或机构组织签订代扣协议，在客户授权后，银行直接从客户的账户中扣取指定的款项，并支付给对应的企事业单位或机构组织的一种自动付款方式。

相比传统的柜台支付方式，网银代扣具有方便、快捷、安全等优点。由于企事业单位或机构组织可以直接通过银行网站或手机银行进行代扣操作，不再需要到银行柜台办理，大大节省了时间和人力成本。同时，网银代扣还可以实现实时到账，避免了传统支付方式的繁琐流程和时间延迟。此外，银行通常会为网银代扣提供更加优惠的费率和更高的支付限额，从而降低客户的使用成本。

网银代扣的应用范围非常广泛，它适用于企事业单位或机构组织向员工发放工资、缴纳社保、缴纳税款、支付水电煤气费用等场景。同时，个人用户也可以通过网银代扣进行信用卡还款、缴纳电费、水费、燃气费等操作，非常方便快捷。

英文：

Online banking automatic payment refers to a way of payment settlement through online banking, which means that banks sign a contract with enterprises or institutions to deduct designated funds from customers' accounts and pay them to the corresponding enterprises or institutions after customers authorize.

Compared with traditional counter payment methods, online banking automatic payment has the advantages of convenience, speed and security. Enterprises or institutions can directly handle the operation of automatic payment through the bank website or mobile banking without going to the bank counter, which greatly saves time and manpower costs. At the same time, online banking automatic payment can also achieve real-time arrival, avoiding the cumbersome process and time delay of traditional payment methods. In addition, banks usually provide more preferential fees and higher payment limits for online banking automatic payment to reduce customers' use costs.

The application scope of online banking automatic payment is very wide. It is suitable for enterprises or institutions to pay salaries to employees, pay social security, pay taxes, pay utility bills and other scenes. At the same time, individual users can also use online banking automatic payment to repay credit cards, pay electricity bills, water bills, gas bills and other operations, which is very convenient and fast.