Bank SMS notification Business month has been over billion profit of 20-40 times

New Express reporter Luo rate intern Zhou Shaojie "Your card number is XX's account at 17:25, in XX expenses 600 yuan, the details please inquire XX bank." "Such text messages are popular nowadays.　　At present, in order to ensure the cardholder's use of card security, most banks provide SMS notification business, the account changes in the form of text messages and other forms to notify the cardholder. The reporter's exclusive survey found that in the bank of the user charges seemingly insignificant monthly service charge of three or four yuan, in fact, hidden a staggering profit, the business profit margin as high as 20-40 times.　　Only this one service bank will be able to access hundreds of billions of dollars each month. Bank Charges: 2-4 yuan/month without the bank's SMS Notification Service can be in the customer account balance changes immediately after the notice, especially when the cardholder accidentally lost bank cards, or a bank card stolen brush and so on, the cardholder can immediately know, and can be reported as an emergency loss, thereby reducing losses, Most cardholders therefore have a positive attitude towards the business. About half of the bank card users interviewed by reporters opened the service. "Now the theft of cards, the phenomenon of stealing brush is more serious, there is a message to be relieved to notice some."　　A cardholder who opened the SMS Notification Service said.　　Reporter investigation found that the Guangzhou banks to SMS notification fees are not the same, generally 2-4 yuan per month, but also some banks to take free practice. It is understood that banks will carry out different fees according to the cardholder's card type and the amount of consumption. Take the debit card for example, the most expensive BOC, CCB, Citic and Everbright monthly charges are 3 yuan, ICBC's monthly fee of 2 yuan, Societe Generale bank for 1 yuan per month, deep development, China Merchants Bank, delivery, etc. are free. If it is a credit card, then Citic Bank is the most expensive, for 48 yuan/year, the Construction Bank and other 3 yuan per month, deep development, China Merchants Bank, ICBC, etc. for free.　　Some bank credit card SMS notification fees according to the amount of one-time consumption and there are different, such as construction bank one-time consumption in more than 500 yuan can be free notice, otherwise it is a monthly charge of 3 yuan. According to industry insiders told reporters, because the regulatory department of the bank SMS charges are not clearly stipulated, so that the difference between the different banks fee standards.　　SMS Notification Service the highest annual charge of 48 yuan, is the ordinary card annual fee of about four times times. User cost: 0.1-0.2 yuan/month according to the mobile Communications operators related departments told the New Express reporter, the cost of the bank to send text messages is actually not high. Generally, banks will choose the form of cooperation with mobile operators, and then a certain share of income, different banks and operators to cooperate when the proportion is different, usually by the bank to take the bulk of the split. Due to the particularity of the banking business, the operator provides specialized ports and guarantees the security and availability of the delivery. As a result of using a fixed port to send text messages, the cost is much cheaper than the average user's SMS charges, combined with bank individual user monthly account changes are not many, many users received less than 10 SMS notification, calculateCome on. Each user bank's monthly SMS send cost is usually only 0.1-0.2 yuan, if the monthly fee reached 4 yuan, profit margin is 20-40 times.　　Even if the split is removed and the mobile operator is divided, the bank's profits are still very expensive. Taking the construction bank as an example, according to public statistics, as at July 1, 2009, the Bank debit card and credit card issuance volume of 320 million. If only 40% of users opened the SMS Notification Service, a monthly fee of 3 yuan, then only one of the CCB's monthly profit of about 300 million yuan, and the same period, the number of BOC card is 156 million, in accordance with the user's opening rate of 40% per month, 3 yuan charge calculation,　　One months of income is 187 million yuan, the same period, ICBC debit card issuance volume of 221 million, according to the 40% open rate, a monthly fee of 2 yuan calculation, the monthly profit of 176 million yuan. User query: The monthly fee is not reasonable users said that the current monthly fee is not reasonable, because once the cardholder opened SMS notification business, regardless of whether the month consumption, the cost is to receive the error. "It would be more reasonable to charge by the bar," he said. One respondent said.　　Others said that the service should be a gift service, given free, because after all, the bank card itself is charged annual fees, this service should be included in the annual fee of the service items, not to mention that some banks are currently free of charge for this service. Guangzhou Bank SMS notification fee list Bank debit cards (monthly) credit card (monthly) ICBC 2 yuan free ABC 2 yuan overdraft free of charge, deposit and credit card 2 Yuan BoC 3 yuan 3 yuan CCB 3 Yuan 3 yuan (consumption 500 yuan above free) free 4 yuan (balance change) 3 yuan (repayment) Wake up Merchants Bank temporarily free deep development free of charge Everbright 3 yuan (preferential period free) free Huaxia temporary free Citic 3 yuan 200 yuan above free, package 48 yuan/year (can be set by the quarter) Societe Generale 1 yuan (open mobile banking and monthly landing can be reduced to 1 yuan next month charges) Gold card free , Puka 3 Yuan for the People's Livelihood temporarily free (a one-time charge of 2 yuan fee) unknown (not customer inquiries, or you deleted this one. The wide development has not been launched (June, the appointment can enjoy the 2010 full year free) 3 yuan (300 yuan above free) Standard Chartered remittance function free not launched HSBC free