Four Cities pilot Super net Silver

The first online cities in Beijing, Tianjin, Guangzhou and Shenzhen have analysis, said after the end of the operation period, the transfer fees may be reduced by the third-party payment agencies said to their own "basically no impact" name: Super Net Silver Identity: The second generation of payment system features: A access to login, you can query all of their online bank account information, to achieve Real-time cross-bank transfer and cross-bank account query and other functional advantages comparison: The current use of the first generation of network silver system more cumbersome. If you have a few bank accounts, want to do online banking operations, you need to enter into an agreement with the banks, authorized to open the banking business, and then on the computer to rehouse the clients of the banks.　　And each implementation of the transfer function, must enter a different bank network of silver to operate. Applicable crowd: The initial line is mainly for enterprises or groups of customers, running for a period of time to open to individual customers how to charge: The official has not yet released, there is speculation that the trial run phase may be free of charge (reporter Shing) just log on to a bank of the net silver can be queried to all of their online bank You can also inquire about the real-time billing records of trans-bank transfers.　　This is the central bank today in the first four cities launched the Super Net Silver system.　　As the second-generation central bank payment system, 10 cities will continue to run in mid-October, while Changchun until mid-November.　　After the opening of the Super Net Bank, the third party payment can continue to expand the network silver channel, the third party pays the organization to say to own little influence.　　The latest dynamic Changchun is expected to be online in mid-November, the official online operation of the Super Net Silver, the first online cities only include Beijing, Tianjin, Guangzhou and Shenzhen. "Super Net silver is an online payment interbank clearing system, where Cross-industry is the most exciting change for ordinary users." But since 30th, only 4 cities have entered the trial run. "Yesterday, the province of a large state-owned bank of the electronic Banking department related people told reporters," As far as I know, in mid-October, including Shanghai, Hangzhou, Nanjing and other 10 cities will be online operation, Changchun is the third batch of cities, is expected to be online in mid-November. "or the transfer fee down to the reporter learned that for the second generation of payment system, although a number of banks have passed the test, but the initial line is mainly targeted at enterprises or groups of customers, after a period of operation can be opened to individual customers. As of yesterday, the authorities had yet to issue a fee on how the second-generation payment system was charged. "The trial run phase may be free, because the net bank to pay across the line, eliminating the middle of the system processing links, save some operating costs." Therefore, after the end of the operation period, the transfer fees may be reduced. "Deep understanding of one access to all banks" one access login, you can find all of their own online bank accounts, and can achieve trans-bank transfer, cross-bank payment functions.　　"Yesterday, a commercial bank of electronic banking related people introduced. At present, the first generation of network silver system is more cumbersome, if the consumer individual has several bank accounts, to carry out the operation of the net silver, the bank must first signTo set up an agreement to authorize the opening of the banking business and then to place the clients of each bank on the computer.　　And each implementation of the transfer function, must enter a different bank network of silver to operate.　　After the second generation payment system runs, the consumer only needs to open a commercial bank's net bank, can inquire to all the information of their own online banking account, realize the real-time trans-bank transfer and the cross Bank account inquiry function. Impact analysis The competition between banks will be more intense. "The impact on the banks is too big, because the banks are now charging standards for service fees are not uniform, there is a big difference in channel building." For example, some banks set up business outlets and ATM machines, occupy a larger market share, some small commercial banks can not contend with. However, if the second generation of payment system is enabled, then some small commercial banks will be the advantage of the charges, such as transfer costs, 10,000 yuan transfer costs in a state-owned bank fee is 45 yuan, and in a commercial bank only 2 yuan. This shows that at present, the large number of outlets, processing business large banks will face the full competition in the market.　　Yesterday, a bank of the electronic Bank card department related people said. Business impact Third party payments agencies say "basically no impact" has a huge impact on third-party payments? Yesterday, the reporter interviewed a large third-party payment agencies related to the responsible person. "Third-party payment company was born to connect the major banks launched the online banking system and e-commerce, so as to achieve the flow of electronic money." And the second generation payment system has little impact on us, our business is not related to this matter. Because the ' cross-transfer ' function provided by a Third-party payment agency is only an industry solution, the central bank provides an infrastructure platform, and there is no comparability between them.　　The official said the central bank's introduction of a second-generation payment system was a good thing to regulate the entire electronic payment industry, reinforcing the interconnection between banks. "The impact on the banking sector is much larger than that of third-party payers, and I understand that the central bank has reserved an ' interface ' for third-party payment agencies, but for third party payment companies, it is necessary to get a ' licence ' (The Payment business license) to continue to operate, So the opening of the super net to third party payments is likely to be as long as a year.　　"Yesterday, a source from another Third-party payment agency said. In accordance with the measures for the administration of the payment services of non-financial institutions, the payment enterprise will not be able to carry out related business until one year after the date of implementation of the scheme (i.e., before September 1, 2011) to obtain the "Payment business license".