NET silver may be a new battleground between banks

NET silver may become a new battleground between banks. Along with the electronic bank channel to the bank to deposit the loan, the intermediary business pulls and saves the cost the function unceasingly to highlight, the net silver has become the bank strategic commanding point contention. Data show that the first half of this year

NET silver may be a new battleground between banks.

Along with the electronic bank channel to the bank to deposit the loan, the intermediary business pulls and saves the cost the function unceasingly to highlight, the net silver has become the bank strategic commanding point contention. Data show that the first half of this year 7 listed banks corporate network silver cumulative number of users up to 5.32 million, corporate net silver transaction amount to 24.21 trillion yuan. "The first financial daily," a number of banks to check the Web site found that the bank's price war on the net is heating up. A number of banks in the recent reduction of net banking charges, and continue to introduce new business varieties.

NET silver price war

This reporter learned that, since this year, a number of banks have launched a new network banking business. such as the construction Bank, its newly introduced new online payment method "account payment", through the establishment of bank account and mobile phone number of the corresponding relationship between the holding of their debit card and credit card accounts, no need to open online banking, direct input account numbers and mobile phone payment verification code, can be online small payment.

According to ABC, the bank has introduced new business models and functions, such as handheld bank, net Bank and independent registration, and has been working with third party payment companies to launch a consumer interbank payment platform. The self-service terminal system and platform are transformed and popularized in the whole line. As of the end of September this year, the total number of AgBank's personal net registered customers amounted to 83.35 million, the total number of customers registered enterprises net 1.7573 million households.

In addition to the introduction of new business and Platform competition, a number of banks in the online banking fees also played a price war, including ICBC, CCB, BOC and other banks, have launched a net silver handling fee concessions. such as ABC, the first half of this year, the Bank cut net bank transfer fees, 5000 yuan below according to 2 Yuan/pen collection, 5000~50000 yuan, 50,000 ~10 million, 100,000 yuan and above respectively according to 3 Yuan, 5 yuan, 8 yuan per collection.

A number of joint-stock banks have taken similar measures. Recently, Everbright Bank announced that now from December 31, regardless of the amount of remittances, cross-bank remittance all according to 2 yuan/fee. In the meantime, the use of mobile phone banks to deal with cross-bank remittance is free of charge.

China Merchants Bank also lowered the net bank remittance fee. Prior to this, the bank's personal professional version of the Bank of the same city across the ordinary remittance, handling fees for each remittance amount of 1%, the minimum of 3 yuan, the maximum of 50 yuan. The common, fast, real-time three models are the lowest 10 yuan, the maximum of 50 yuan. And after the downward adjustment, in addition to the long-distance transfer of rapid remittance by 0.5%, the others are according to 0.25%, the minimum of 2 yuan, the highest 25 yuan charge. And the Three Gorges Bank, Guangdong Bank is exempt from the net silver all fees.

Market New Blue Sea

"Internet finance solves three core problems, such as asymmetric bank information, credit evaluation and letter system, personalized product design and marketing." Songzuo, chief economist of ABC, said that under the background of financial media, especially the development of Internet Community finance, the three major elements of traditional banking business completely lose their advantage and face the great test of survival and death.

As of the end of September this year, the total size of ABC's electronic banking customers broke through 300 million, the electronic channel shunt rate reached 71%, individual and enterprise net Silver transaction amount reached 52.53 trillion yuan, 38.34 trillion yuan, accounting for the total number of transactions in 66.29%.

Another Open data show that the first half of this year, ICBC electronic bank turnover amounted to 160 trillion yuan, an increase of nearly 20% per cent, the cumulative number of business pens up to 17.1 billion, the year-on-year growth of 21.9%. At present, ICBC's electronic channels to complete the volume of business in the total volume of the account has reached more than 73%.

And Ding, vice president of China Merchants Bank had previously accepted this reporter interview, has said, to build electronic bank, has become one of the main strategy of CMB, in 2011, the bank's electronic banking business scale has been equivalent to more than 500 outlets, nearly 4,000 employees of the business volume. Ding expects to be able to recreate a retail bank on the internet in two or three years.

In this case, each bank vigorously develop electronic channel business also become inevitable. However, banks are facing strong competition from third-party payment companies. Industry insiders believe that third-party payments in the network technology, customers, costs have advantages, and tentacles have been involved in banking, securities, insurance and other fields. Although the scale is small, but is relying on the network sharp weapon and the traditional financial enterprise competes for the market share, the competition situation is not optimistic.