"Super Net Silver" at the end of the month, cross-bank transfer can be real-time

Graphics/Wu Xiangnan

The attention of the "super Net Silver" will be online at the end of the month, compared with the existing network silver function, its biggest breakthrough is to achieve the net bank of real-time interbank transfer and bank account inquiries. For banks, this can greatly improve efficiency, but for customers, it can be removed from the Internet banking system to log on the trouble, "a network of all bank accounts."

In addition, unlike the "Terminator", which was once considered a third-party payment organization such as Alipay, "Super Net Silver" will allow access to non-financial payment service organizations. Third party payment industry insiders believe that their docking with "Super Net Silver" is only a matter of time.

Event

"Super Net Silver"

Reporters yesterday learned from a number of banks, the central bank's second generation pay system (commonly known as "Super Net Silver") will be online 30th this month. By then, the first batch of banks to pass the test will be able to achieve their own network of banking and central bank system interconnection, and in the same batch through the test of the banks, can be realized across the bank payment real-time to account, one-stop management of all accounts and other functions.

A large state-owned bank of the electronic Banking department told reporters that the Bank of Beijing Branch will be online 27th this month "Super Net Silver", he understood that the banks are now actively preparing for this.

However, the banking industry said that even if the "super Net Silver" on the line, can not immediately officially open services, "the end of the line is only a framework, the specific function of the gradual improvement." Each bank's ' super Net silver ' function is also different, some more functions, some less function.

People close to the central bank said to reporters, "Super Net Silver" at the beginning of the development of the functional positioning of the main commercial Bank of the group of customers, some of the functions of the brewing to individual customers open, when customers can sign an agreement with the bank to determine authorization, the opening of real-time cross-border transfer and cross-bank account inquiries and other functions.

Interpretation

function

Trans-bank transfer to account in real time

It is an important function of "super net Silver" to pay in real time to the bank. The reporter learned from inside the central bank, in order to improve the liquidation efficiency of interbank payment, the central bank in the upcoming "Super Net Silver" in the new online payment across the clearing system, so that the commercial banks of the network of banking systems interconnection, so that cross-border transfer, cross-bank payments, such as real-time transactions to account.

In view of the current processing of net bank payment, when both the receiving and the payer are opening an account in the same bank, the funds can be paid in real time, and the funds can be fed back to the customer in real time, and when the two parties do not open an account with the same bank, the payment instruction needs to be opened by the payer bank to pay the platform The payer opens the Bank business system, the People Bank interbank payment system, the payee bank business system and so on many nodes, the system transmission or the transformation, some links also needs the business personnel to carry on the manual intervention, therefore the business processing time is longer, generally takes 1-2 days to arrive the account.

Cross-line query account information

In addition, "Super Net Silver" also can provide the cross row query function of account information. After signing the account information Inquiry agreement with the depositary bank, the customer can inquire about the time deposits, current deposits, funds and even financial products in their other bank accounts by logging into a bank's network banking system. However, the former state-owned bank of the electronic banking sector, said yesterday, at present, through the bank "super Net Silver" can only be queried to other banks of the current account information, and financial products such as information inquiries are not supported.

Charges

possible free promotion in advance

How will the new business of "Super Net Silver" be charged? People close to the central bank told reporters that there are a number of options, but also possible to take the early free way to promote, "all the central bank's red." Reporters also asked several commercial banks in Beijing branch, the banks are said to be waiting for the central bank and the headquarters of the notice.

And for the net silver "get through" after the security problem, the reporter learned that this in the "Super Net Silver" at the beginning of the construction has been well planned, users do not worry. In addition, the "Super Net Silver" will not change the current commercial banks of the network silver login interface.

Significance

Improving the efficiency of banking services

Guo, director of China Banking Research Center at the Central University of Finance and Economics, said that "super net Silver" will greatly improve the efficiency of banks ' service and conform to the future trend of banking industry, "as the main institution of financial services, the improvement of financial service quality will be the direction of future development of banks." Super Net Silver ' online is a measure to conform to the future development direction of banking industry. "For the implementation of the" Super Net Silver "customer information management issues, Guo said that the central bank of customer data information protection should be fully considered.

Societe Generale senior economist Lu Commissar, "Super Net Silver" will undoubtedly be the introduction of interbank payments and related businesses to facilitate, "and to the bank customers, ' Super Net Silver ' itself is a financial infrastructure, if it is non-commercial, not for-profit, will greatly facilitate the personal and corporate customers; if it is for profit, it is another matter. ”

Attention

Allow non-financial payment service organization access

Unlike the previous media coverage of non-financial payment institutions such as payment of Alipay access to the clearing system, according to a reporter's information, the central bank supports the "access of non-financial payment service organizations approved by them to pay business licences to achieve efficient cross-border liquidation of electronic payment services such as online payments".

According to the central bank, the online Payment interbank clearing system provides access to non-financial payment service organizations approved by the Central bank for payment business licenses, and supports non-financial payment services organizations to provide payment services to society through flexible and diverse means, which can better meet the needs of the public at home and also facilitate the development of E-commerce.

It is understood that at present, including Alipay, such as non-financial payment agencies operating mode, relying on a number of cooperative banks to open a settlement account, on behalf of different banks of customers to complete the cross-bank payment, higher operating costs, customer scope is also limited. When the payment service organization is also included in the system, the customer only needs to open an account in any bank and open the net Bank payment function, can launch the payment business through the Non-financial payment service organization.

It is reported that the central bank in June this year issued the "Non-financial institutions payment Services management measures", pointed out that the payment institutions in accordance with the central bank's supervision and management. Market analysts believe this amounts to a recognition of the status of non-financial payment institutions.

The central bank said that because the clients of the third party could be the net silver users of the firms, if fees are still charged to the payer through the existing means, the third party shall open accounts at all banks with high operating costs, such as receiving directly from the payer by a third party institution, complicated handling procedures and a poor customer experience. To support the business development of third party organizations, the online payment interbank clearing system should support the function of a third party to collect fees from the payer, and can be opened to the specified participant according to the management needs.

Industry reaction

"Super net Silver" poses no threat to payment companies

A number of third-party payers who have been interviewed by reporters are not worried, saying that docking with the super NET is only a matter of time. For the development of payment field, Super Net silver has epoch-making significance.

One person from a third party payment industry expects that the opening of the super net to Third-party payment agencies may be after the "Payment business license" issue is basically over, "in the most pessimistic case, we may have to wait another year." "The person said. According to the administrative measures, the payment enterprise shall obtain the Payment business license within one year of the implementation of the method (i.e., before September 1, 2011).

The market once viewed the super net as the "Terminator" of the Third-party payment industry, but on the eve of the system's formal launch, the idea was replaced by most positive voices.

Fast Money CEO Guoguang has publicly said that "super net silver" in fact does not pose a clear threat to third-party payment platforms. and Alipay, Tenpay and Yeepay paid the same opinion, that the super net silver to pay the industry's development benefits outweigh the disadvantages.

Analysys, senior analyst at Analysys International, said that the current payment company is a network of silver system channels, after the birth of super net silver, it is likely that the payment company becomes Super NetEase access channels. The involvement of the payment company can optimize the process and solve the payment problem of the Trans-bank transaction. As long as the bank's net banking business is normal, the payment company's business will not be affected. Payment companies in the super net after the introduction of the bank, just for its multiple access to a channel, there is no threat to the problem.