Banks enter the electricity business "lose money to make a yell" financial turmoil or be hit by a crackdown

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Bank consignment of PE products was stopped mobile phone http://www.aliyun.com/zixun/aggregation/36262.html "> Bank transfer fee lowest

Bank of China's financial crisis in East Asia

Bank 7th talks: Tao Liming was arrested online financial or trend

Four hidden dangers highlight 7 trillion bank financing or heavy-blow rectification

Absrtact: By the end of 2012, the bank's financial balance amounted to 7.1 trillion, exceeding the asset scale of the trust and insurance industries. However, these 7.1 trillion bank financial management or will face the supervision of the heavy hand rectification. Recently, the National Banking Supervision Working conference layout 2013 years of supervision work, especially mentioned to strictly regulate the design of financial products, sales and capital investment, strictly prohibit unauthorized sales of products, the sale of private equity fund products, is strictly prohibited to mislead consumers to purchase, the implementation of fixed income and floating income management products, Classification management.

Small part of the comment: there is no denying that bank financial management in the rich investment channels, promote interest rate marketization, financial product innovation on the positive role, but the scale of financial services soared at the same time, the commercial bank's internal governance weakened, the lack of wind control capacity and other issues also exposed. Facing the risk of financial business increasingly prominent status quo, the CBRC will be a heavy attack on the case to prevent the adoption of high-pressure situation, serious investigation, strict accountability is particularly necessary.

Nearly 20% children choose to deposit their pocket money in the Bank, agency research says

Absrtact: 29th, "2012 Chinese Children's Wealth quotient survey" white paper published in Beijing. The report says pocket money is the main source of money for children. However, only 19% of the children chose to deposit the remaining allowance in the bank, and nearly 70% of the children chose to stay at home or to be administered by their parents, and 11.1% of the children chose to continue to spend.

Small part of the review: The Chinese parents of children's financial and business education is widespread problems, not tend to be conservative is not enough attention. Therefore, the child's financial management awareness and financial habits before, parents may wish to do a good job, set up a correct education concept and wealth concept, imperceptible influence is far more effective than the rigid financial management education.

Customer Map Scale Banks to enter the electricity business first "lose money to make a yell"

Absrtact: The pace of electronic commerce in the banking department seems to accelerate dramatically overnight. News from CCB, up to now, the bank "good and business" settled merchants have been through million households, turnover exceeded 3.5 billion yuan, financing scale close to 1 billion yuan. CCB Director said that the start-up of good and financial business is not to profit for the purpose of the electricity, and in the early days of the opening, in the electric business fully to customers.

Small part of the comments: Although still in the loss phase, and a short period of time it is difficult to achieve profitability, but the bank involved in the field of E-commerce seems to be seen as the general trend, if the commercial banks can make full use of their own advantages in E-commerce to invest more money is only a matter of time.

Credit Card Sales Card I owe you for years

Absrtact: How could you still have a debt? In this respect, the bank explained that the PIN card is different from the sale of the customer. Industry insiders believe that the bank has a fault, because regardless of the card or sales, the premise is that the credit card needs to be settled first. People in the industry remind the public, in accordance with the new rules, overdue payments after the bad record will be retained for five years, so the use of credit cards to keep some of the mind, so as not to affect the credit record.

Small series Tip: Because the credit card's interest-free period can be longer than 50 days, the cancellation of credit cards, there are also credit card consumption is not accounted for. Some banks stipulate that after a certain period of time, customers will be able to apply for a cancellation account after a customer pin card, which is usually about 40 days. Therefore, in the cancellation of credit cards, we recommend that you call the bank after 40 days or so call the customer service phone calls, to confirm that their account has been distributor card sales success, never trouble.

Credit card shopping teaches you that "pie" does not Fall "trap"

Abstract: The spring Festival is approaching, the year is full of flavor, many people began to run around the major shopping malls, with the old Tim New. This time the credit card is the majority of the inevitable choice, not only to avoid misunderstanding and save a little money is a lot of people's most concerned about. Now teach you how to go around the trap and pick up a pie when you swipe your card.

Small knitting: Six strokes to teach you to pick up a "pie", 1 reasonable use of credit cards for a maximum of 50-60 days of interest-free period; 2 enjoy value-added services in the entertainment consumption when the discount, 3 to do a joint credit card to obtain double points of the discount, 4 do not exceed the limit of consumption do not spend money, 5 to avoid the present; 6) for full repayment, Refuse to pay the fees. At the same time, to establish a reasonable consumption concept, save unnecessary expenses, is to avoid falling into the card consumption trap "trick."

POS Card processing Fee: illegal business illegal code to earn the difference

Absrtact: Recently, the NDRC issued a notice on optimizing and adjusting the credit card handling fee of the bank, the notice pointed out that the February 25, 2013 will be appropriate to lower some of the high credit card handling fee standards, to reduce the burden of business owners to facilitate the public card consumption. However, some people in the industry said that, "even if the fee reduction charges, there will still be a lot of sales of POS machine unscrupulous businesses in order to earn the difference of fees for the installation of POS machine merchant violation code." ”

Small part of the review: NDRC adjustment bank card processing fee is to reduce the burden of business, convenient for the public card consumption, and some unscrupulous merchants through the illegal use of code to earn the fee difference, this infringement of consumer interests is hateful. However, it is worth noting that the domestic banks in order to expand their business, to relax the threshold of POS applications, "decentralization" to individual business practices also provide a hotbed of credit card.

6 days to expose 5 cases of theft brush big case consumers call for the bank to accelerate the change "core"

Abstract: The spring Festival atmosphere is increasingly rich, this time is also a bank card theft brush and other crimes of high issue. Only in the last 6 days of the first month of 2013, the media has continuously exposed 5 bank card theft cases, "theft brush" crime means more and more covert, new types of criminal practices are emerging. is hoped to be able to effectively alleviate steals the brush problem the chip card the promotion again becomes everybody attention the focus, the consumer calls for the bank card to change "The core" the journey to be able to accelerate, hopes to enter the Anti-Theft "core" life at an early date.

Small compilation of Ideas: the Spring Festival near the theft of brush case high hair, small series of 5 strokes to teach you to prevent theft of credit cards, 1, the password should not be associated with personal information, usually using birthdays, ID numbers or mobile phone number is the most common, but also the most easily cracked password combination, should be completely eliminate the use of, 2, the bank card and identity card separate, does not provide the lawless elements with access to important information; 3 because the current credit card is still mostly magnetic stripe card, magnetic stripe information is easy to be copied, steal brush, so should try to choose a regular merchant; 4 use SMS, e-mail monitoring account, 5 do not believe that the ATM side of all kinds of paper notice, to avoid being exploited by outlaws.