NET Silver Big market Bank seize business opportunity

Ms. Lu, who is a garment business in Taiyuan, often has large sums of money to do business. A few days ago, she told reporters, before the transfer fee is a small amount of expenditure, the opening of the Construction Bank online Bank (hereinafter referred to as "net Silver"), the handling fee expenditure than at the counter to save half of the deal, but also save the queue waiting for the trouble,　　It saves time and effort. With the Banking network Bank transfer fees, such as Ms Lu to enjoy the real benefits of a few customers. Reporter learned that, with the continuous popularization of information, people do not have the desire to enjoy financial services is increasingly strong, convenient and efficient online banking has become a lot of people's first choice. Commercial Bank is to see the network silver in this respect the huge business potential, have reduced fees to attract customers, to seize market share.　　So how far is online banking from the people? Bank: The net becomes the contention of the bank as the competition between banks becomes more and more fierce, online banking has become another focus of competition among banks.　　To compete for more customers, banks are scrambling to pay prices.　　Visited the Taiyuan City and the state North Road after several banks, the reporter found that the bank in the remittance business, the use of net silver charges are lower than to the counter handling fees charged, and the charges for each line are different. Construction Bank in the same city across the line of remittance business, to counter processing fees for each amount of 0.5%, the minimum fee of 2 yuan per transaction, the maximum of 25 yuan; In the online banking this business charges for each amount of 0.25%, than at the counter processing discount 50%. Bank of communications interbank remittance business, counter handling fees for the processing of 0.4% of the amount, each collection of the minimum cost of 1 yuan, the maximum of 50 yuan, the use of net silver, the fees charged for each amount of 0.15%, a minimum fee of 1 yuan, the maximum cost of 50 yuan.　　ICBC handles this kind of business, the counter collects the handling fee is 1% per sum, net Silver's expense is 0.9% per sum amount.　　People: the most concerned about security so, what is the attitude of the people to use net silver? "Net silver, heard, but never used, is afraid of insecurity." Mr. Wang of Taiyuan is not very interested in net silver. Bank of China Shanxi Branch Sales Hall manager Ann told reporters, compared with the traditional counter business, online banking is fast, and relatively low cost, such as 10,000 yuan telegraphic transfer in the counter for processing costs 50 yuan, and through the net to handle only 3.5 yuan.　　Although the difference is so large, but when the modern way of financial management and traditional financial means of collision, many users for security considerations, or prefer to choose counters to handle. After interviewing many customers, the reporter found that security has become the primary factor for users to choose banks. Many respondents said that concerns about safety issues were the main reason they did not use online banking.　　Even if users are using net silver, there are still some people concerned about the security of net silver, mainly in the security of password, personal information security, transaction information security and system stability. These concerns will, on the one hand, be exacerbated by media exposure to security incidents, making the netPotential customers are discouraged, on the other hand, it will also enable existing users to abandon the use or reduce the scope of business use, reduce the amount of transactions, which will undoubtedly have a huge impact on the use and promotion of silver. In an interview, the reporter found that the lack of understanding of online banking is another obstacle, 70% of consumers know online banking, but this kind of cognition mostly stay in the conceptual level, only understand this term, for how to open, use, handle online banking and online banking can handle which business, many people do not know.　　Even some bank workers have a smattering of knowledge about online banking. Development: Banks still need to make efforts online banking is a new thing, but with the rapid increase in the number of netizens, online banking business has increasingly become the bank's intermediary business profit growth and the main means of contention for important customers. Why do commercial banks value online banking market? The head of the bank's personal business department, interviewed by reporters, said this was inseparable from the rapid expansion of the current Third-party payment market. It is the value of personal network silver trading volume of the rapid growth and potential gains, some commercial banks have been to the net silver market, and the introduction of low rates to "happy enclosure."　　In particular, small and medium-sized commercial banks, in the network does not prevail, but also hope that the use of the network without regional restrictions to continuously optimize services, expand customer base, improve intermediary business income. "Compared with the traditional business such as mortgage, net silver is only a ' newborn ', but with the rapid increase in the number of Internet users, online shopping has become a universal lifestyle of urban people." "A joint-stock bank personal business director told reporters:" For banks, net silver became a parallel with the traditional network management channels, who grabbed the net silver site, who won the opportunity. "The data show that customers at the bank counters to handle a business, the average bank to pay the cost of about 1 yuan, and customers through the online bank for a business, the average cost of less than 0.1 yuan." Although the convenience of online banking is well known, banks have also worked this, but let the net silver really go into people's lives still need some time.　　The need for banks to increase the network of silver business promotion and publicity, increase the popularity of the security performance will be widely publicized, is the bank "make a Way". Newspaper reporter Yang Jihong intern Gaole