Solve the problem of fund collection and break the traditional tedious business

Referring to "online banking", most people in the minds of the most intuitive words may be "internet shopping", indeed the advent of the network era, more and more people are willing to go to the bank to open "online banking" business, change their traditional way of life. However, as one of the electronic banks in the information age, the role of online banking is not only applicable to "online shopping", more to promote the development of enterprises play an irreplaceable role. To this end, the reporter interviewed Bank of China and Huaxia Bank related leaders, on the new era of online banking business changes brought about by the traditional bank to understand.

Solve the problem of fund collection and break the traditional tedious business

"Cashier, cash out, payments ... In the past for the company's accounting, Non-stop to and from the bank is its work required, a small error in the accounts must go to the bank again, small businesses may be able to stand, but for large groups, the traditional kind of need to deal with the cabinet business in the form, the company wants to be in a short period of time to the subordinate branch of the fund management, Understand the capital trends, in the operating procedures are more stringent, for this Huaxia bank has launched a "group Express" business. Through the "group Express" business, the head office in the "Home" as a first-level account can be linked to the subordinate agency account under its own main account for supervision. Regulation includes several aspects: first, inquiries. Check the balance, whether the money to the account. The second is the accounting control. To unify the funds, this is self-evident to the role of large groups. As the support of Cross-border funds collection, can provide the company to transfer his bank funds to the Chinese banks account services, the accumulated accounts can be my bank accounts, other people's bank accounts, my bank account and other bank accounts, so that effectively meet the customer to strengthen the cash revenue and expenditure management and financial concentration of the demand. "Money in real time to account" This is also online banking on the traditional way of another breakthrough, the traditional "wire transfer" greatly slowed the financing speed, the bank "capital collection" business innovation, the real acceleration of the flow of funds, reduce short-term borrowing, improve the efficiency of customer funds settlement.

Reduce operating costs and improve returns

"Multifaceted" in the era of competition, any enterprise in the operation of the most fundamental is to pursue the maximization of benefits, control costs is also an important part of the operation of online banking to effectively reduce the cost of enterprises. Do not need staff to travel between the bank and the company to deal with a variety of formalities, transportation, bills fees, the cost of work is not only effectively saved, even the strength of the staff is greatly alleviated, to help enterprises more effectively allocate human resources.

The inevitable trend of broad transition of development prospect

As the product of the new era, the key factor in the development of internet banking is the security of business transaction and the improvement of product function. Said the head of the Bank of China's Shenyang branch. At present, the Bank of Shenyang did not make the online banking business as a profit point, but highlighted to provide customers with more convenient services. Bank of China Banking, mobile banking is free of charge, and through the internet banking, mobile banking business costs are usually more than the counter to deal with concessions. At present, the use of personal net bank in Shenyang not only through the net silver can pay water, electricity, gas and other costs, but also for domestic remittances, international remittances, and even investment and other complex business, but also has achieved online banking booking registered medical services. Online banking is not limited by the time and space to allow customers to fully enjoy the service. Therefore the development foreground is very broad, to its unceasing consummation, the promotion is also the bank to the traditional cabinet face type service transformation inevitable trend.

Online business opportunities, for a want to develop enterprises are so, the financial industry is not exceptional, for banks, online services, online settlement with traditional network services unparalleled advantages. Starting an online business is becoming a big trend, because "net silver" is by no means just "net shopping" so simple.