The second generation of the central bank interbank payment system on-line inquiries for the time being free
yesterday, the central bank's "super internet banking" began in Guangzhou, Shenzhen and other land line trial operation, now nearly 30 banks have access to the system. Reporter experience and found that silver in the open net and the case of signing agreements, different bank accounts can be anchored in a web of silver on the query and transfer payments, and temporary or "free lunch."
text / reporter Ping Fang
's early adopters
28 banks have been on line
yesterday banks in the two banks selected site item, the reporter found that 28 banks have been on the line, in which both the majority of the four major state-owned banks and domestic joint-stock banks, including some areas of the city commercial banks and rural credit cooperatives, such as Guangzhou, Guangzhou rural banks and commercial banks have on-line. Foreign banks, only the Korea Exchange Bank, Shinhan Bank and Hana Bank 3 on the line, other banks were not on the line.
What is a "super online banking?"
refers to newly developed second generation of central bank payment system. As long as customers want to be linked with his line, or our other online bank account authorized signatory, can be anchored in a bank account at an online bank, to achieve "one stop" online cross-bank financial management functions including real-time cross-bank transfer, interbank account inquiries and other functions.
cross-bank inquiry function has been opened
yesterday morning, reporters Construction Bank internet banking logon, we found in the "My Account", the addition of a "he-line account services ", including his Bank account query, append / delete his line account, the Construction Bank account contract / termination, and his signing line accounts / cancellation, etc..
reporters immediately click on the "additional accounts to him in" icon, according to the system instructions, fill in the I cross the line account information, system requirements automatically pop up in the delivery line of online banking interface login, query or pay licensing contract. Press select "query agreement", and make the signing of the operation, more than 20 seconds, the China Construction Bank net of silver, "he line account services" indicates a cross-line account information, journalists can query the account the balance and half the transaction details.
quit after China Construction Bank Net Bank, China Construction Bank's internet banking log in again, and query operations, has no need to re-sign.
then press another log on Exchange Bank online banking, by almost the same operation, built rows of internet banking account is linked in a network of silver on the cross line.
his line payment and transfer capabilities yet opened
However, the super-network of authorized banks only opened the inquiry function, payment function has not been opened.
When reporters tried to sign the Construction Bank Internet Banking Internet Banking pay line pay licensing agreement, the system displays: "transaction has failed, can not obtain the authentication information, the other line logged illegally." Reporter was repeatedly tried, without success.
's another log on Exchange Bank online banking, found in the "Account Management", only to set the "line account inquiries, he signed" and "his line account inquiries, maintenance contract," did not pay the option contract.
CCB's customer hotline counseling, the operator said that net bank with his line of super-real-time transfer credited into account the function, but now can not pay his line of authority to sign may be due to system instability during the trial or not perfect.
However, CCB's net bank default in the business categories that include insurance, agency services, mortgages, car loans and credit card repayments, electricity, telephone, housing management charges, gas charges may apply the payment business of his line of super-internet banking payment function.
charges
Interbank funds transfer and payment of fees to be determined
yesterday, the reporter in China Construction Bank and Bank of Internet Banking, the separate lines of his account balance and transaction details of the inquiry, found that the information displayed with the information in the original bank for exactly the same, but for the time being, do not incur fees for. This means that, through super internet banking to interbank check, for the time being free to achieve.
yesterday, a state-owned press to larger consulting, Guangdong Branch Deputy General Manager of Electronic Banking Department, the sources, the People's Bank's internet banking system has just put into super, is still in trial period, when the community really public outreach, but also to inform others OK, so, now is not the promotion of the banks.
for Super Internet Banking and payment functions are cross-bank inquiry will be free, the source said, the query is free of charge, to see how people determine the final line, because the system is a pedestrian development. Interbank funds transfer and payment for, the person said, definitely have to charge fees, but the specific cost criteria have to be determined.
yesterday, calling the CCB's customer service hotline costs associated standards, wiring has stated that the above notice only shows that he single-line transfer no more than 5 million, but the cost of the standard was not announced, Free.
It is reported that the central bank's super internet banking system is now in Guangzhou, Beijing, Tianjin and Shenzhen on the line on a trial basis, will also have mid-October, including Shanghai, Changsha, Hangzhou, Nanjing and other cities, including 10 on-line run, 11 will be extended to the rest of mid-city.
as the current cross-bank transfer all bank fees vary, super internet banking opened, whether the central bank issued the standardized charges, the reporter has not been the central bank's response.
have on-line banking:
ICBC
ABC
Bank of China
Construction Bank
Exchange Bank
Merchants Bank
Everbright
Societe Generale head office
Minsheng Bank
CITIC Bank
China Postal Savings Bank
Huaxia Bank
Ping An Bank
Shenzhen Development Bank
Guangdong Development Bank
Bohai Bank
Beijing Rural Commercial Bank
Bank of Beijing
Dongguan Rural firms
Dongguan Bank Foshan Shunde
agricultural firm
Guangzhou Bank
Tianjin Rural Cooperative Bank
Shenzhen agricultural firm
Hana Bank
Korea Exchange Bank
Shinhan Bank
Guangzhou Rural Commercial Bank
