Banking network to achieve interoperability: the promotion period of temporary free

This report (reporter Somaly) commonly known as "super Net Silver" central bank second generation payment system yesterday official on-line operation.　　Compared with the traditional network silver system, "Super Net Silver" first opened the real-time Trans-bank transfer, cross-bank account inquiries and use his bank account for their own credit card repayment function, "Multiple NET bank account, multiple login" era will be changed. Temporary free in the promotion period the banking system of the previous banks was in a fragmented state, and each bank could not inquire about the information of another bank. That is to say, the number of bank cards users need to run, how many banks have to do net silver. "Super Net Silver" appearance, can let the customer only login a bank's net silver can inquire and manage all accounts, inquires to own in the different commercial bank all account information, including live, the time deposit, the fund and even the financial product.　　Some bankers jokingly said, "Super net Silver" is equivalent to "net silver UnionPay". Reporters yesterday to log in, CCB official website to see that the relevant bulletin has been hung online. The Bank of Hong Kong said that members of the public can use the bank's settlement account in other banks, to the BOC credit cards in real time repayment, and the promotion period of credit card repayments free of charge.　　Cross-row interconnection transfer charges, consistent with the original fees. CCB announced that after the implementation of the Super Net silver, personal online bank transfer can be real-time to the account; On the credit card repayment, the new bank will add the function of credit card repayment.　　But the CCB did not announce the fee standard, the reporter yesterday called the Construction Bank Customer Service hotline, staff said, promotion period 3 months free.　　According to bankers, the Super Net Bank has a total of Beijing, Guangdong, Shenzhen and Tianjin four of the 30 domestic and foreign banks involved in the operation.　　Need to sign in advance online but from the experience of the reporter yesterday, to achieve the interconnection between different banks, procedures are more cumbersome. According to the rules, if you want to go through a bank network of banks to inquire about their other bank accounts, you need to sign.　　For example, sign up to the bank to inquire about bank account, the need to first to the construction bank to carry out the relevant agreement signed, after the bank will be able to inquire about its account in CCB.　　Reporter yesterday to login CCB net silver, see the E-Bank menu added "he bank account Service", under which, there are "additional/delete his bank account", "he bank account inquiries", "CCB account signing/cancellation", "his bank account signing/cancellation." After the signing of the bank's selection, later jump to the other side of the network Silver contract interface, to sign the authorization. After the success of the contract, but also in the bank to make an additional account to use the net. However, the experience of the reporter yesterday, because the system is not stable, in signing or additional accounts always show failure and ultimately fruitless.　　Yesterday, there are many netizens said that the payment was unsuccessful when signing. Super NET Silver operation process Step 1: Sign up for a banking net steps 2: Add other bank accounts Step 3: Can cross bank transfer, real time to the account, through the authorized account to his credit card repayment; Inquiry for Bank's debit account or debit by lineHousehold balance or detailed analysis bank fees are expected to be cut for super net silver on-line, the Central University of Finance and economics professor Guo that the introduction of the system is expected to enable consumers to enjoy more convenient and more affordable financial services.　　In the long run, with the increase of on-line banking, the amount of online financial business will gradually increase, which helps to reduce the transaction cost of single net silver, and the fees that consumers pay will be reduced. To cross-bank transfer of 10,000 yuan for example, the current interbank transfer fee for ICBC is 45 yuan, traffic bank for 20 yuan, and China Merchants Bank is 2 yuan.　　Some insiders said that the future "super Net Silver" in the billing may be in accordance with the "one-way pricing" mode, that is, consumers will be 10,000 yuan from the Merchants Bank to ICBC, the charge of 2 yuan fees, from ICBC to the CMB, then charge 45 yuan. Analysys, an international analyst at Analysys, said that, on a theoretical level, the super net silver is like the online version of UnionPay, which solves the problem of trans-bank problems like the former UnionPay. In the banking sector, banks with a high share of the net-banking market would be leveled, while smaller banks would demand more from a platform like the super silver. (Somaly) Influence third party payment claim not affected from the list of the first trial runs, there is no third party to pay the name of the enterprise.　　The central bank has previously said that the central bank supports "an efficient process of cross-border liquidation of electronic payments such as online payments", supported by "access to non-financial payment service organizations that have been approved to pay for business licenses", and third party payments companies are also looking forward to participating. The market once regarded the super net as the "Terminator" of the third party payment industry, but most of the third-party payment companies were not impressed. Alipay related responsible person said yesterday that the super net silver is an infrastructure upgrade, not only will not affect the normal use of third-party payments, the Third-party payment of the user experience upgrade will also bring positive impact.　　The central bank has also previously stated that it has not excluded third-party payments. Tenpay also said that the super net silver through the connections between the banks, so that the banking system as a whole, which is more powerful for third-party payments. Access to the system also means a sudden access to more banks, and the past is the process of door-to-door banking talks. Tenpay also believes that the super net silver in the current situation is just on the line, and did not see it will be derived from the third party to pay similar business model signs. Therefore, third party payments and Super net Silver are two interrelated but intrinsically different things and cannot be compared. (Somaly)