The development course of self-help bank

is the self-service bank (self-servicebanking) part of the electronic and automated banking counter business? With the help of modern self-service equipment, it provides customers with convenient and efficient various financial services.　　Simply put, the self-service bank through the man-machine conversation form, uses the automatic operation mode, the equipment and the corresponding application system, can provide the sufficient guidance and the help to the customer, it is not limited by the bank business time, can 24 hours all-weather uninterrupted operation. The function of self-service bank in recent years can be regarded as guise, dizzying. One of the most familiar is the withdrawal (ATM), cash deposit (CDM), passbook filling boarding, Night vault (cash, bills, valuables custody), foreign currency exchange, self-service customer information printer, information Inquiry Terminal, banking and financial information inquiries.　　According to the survey, each bank opened a new batch of business outlets tend to open at the same time a 24 small self-help banks. In the the Sixties or seventies of the 12th century, self-service banks were first applied abroad. The reason for the application is very simple, the bank counter customer traffic is large, many people in long queues just for small access and inquiries and other simple business, making the counter staff tired to cope with, thus reducing the quality, high gold customer service ability. To improve service standards, to provide customers with personalized services, in order to achieve the goal of retaining large customers.　　If we rely on the expansion of business outlets to increase the number of people to solve and will significantly increase costs. Based on this situation, the bank in order to divert simple business customers, reduce counter workload, resulting in the introduction of self-service teller machine equipment, and received the response of technical suppliers. As a result, the ATM came into being, and then extended to the self-service deposit machine, foreign currency exchange machine, Night vault, Self-Help safe deposit box, IC card storage machine, Passbook replenishment boarding, the bill printer, information Inquiry machine, such as a series of self-service banking equipment.　　The appearance of these equipment, from the time and space extended the bank's services, quickly got the support of customers, so quickly from the bank's business outlets to public places, from indoor to outdoor, swept the world. Self-service banks in the early 80 to enter the Chinese market, Bank of China Silver Group in Hong Kong's computer center first developed ATM application system and put into use, in 1988, the Bank of China Shenzhen Branch launched the domestic first online ATM machine, in 1994 the Bank of China in Guangdong, Hunan, Fujian and other countries opened the　　China Tong-UnionPay "net, customers at home and abroad began to transact in southern China ATM machine for withdrawals and inquiries business. However, the development of self-service banks in China is quite Chinese, its application is not as foreign to divert customers, but to establish a new High-tech, modern image of the bank. Therefore, in the beginning of China's self-service banking equipment is mostly installed in the interior of the network. Domestic banking competition at that time has only just begun, the majority of residents do not know what the bank card, the cards are also more stay in the "noble card", "Identity card" stage, at the same time, domestic banks from the department, each hair card, each with the equipment. Coupled with the low time value of residents and psychological habits, most people prefer to wait in long queues for services rather than to enjoy the convenience of self-service that machines offer, and many do not even know how to use them.　　Therefore, the use of self-service banking equipment is very unsatisfactory. Into the 90 's, several large state-owned banks to the commercial banks operating mechanism of transition, a variety of institutions such as joint-stock banks intensified competition between the market, so that the competition between domestic banks intensified. At the same time, the state strictly controls the new network of banks, in order to open up the source of new profits, many banks began to turn the development to the bank card led by the personal financial business, especially the country from the policy actively for the national "UnionPay" card to create conditions, the specialized banks began to take the self-help bank as an expansion of scale, improve deposit capacity,　　Effective tools to continuously strengthen and improve existing service tools. After entering the 2000, financial innovation has become the focus of various banks, and the development of self-service banks has been more rapid. Banks are sniffing out intermediary business on ATM and related self-help products, which will be a new profit growth point for banks and a big development space. The rapid expansion of Internet technology has further broadened the development space of self-service banks, and the development of Internet technology has changed consumer behavior and provided technical guarantee for the efficiency and safety of financial instruments. From the external environment, after entering WTO, China's bank card business will be open to foreign capital within 3 years ~5 year.　　At present, Visa and MasterCard, the internationally renowned bank card organization, regard China's accession to the WTO as a great opportunity to expand their business, and the two companies in China are showing rapid growth, which also forces domestic banks to accelerate the pace of self-help bank construction. The network construction of self-service bank is a complicated system engineering, it involves self-service equipment acquisition, network system construction, location, installation of equipment, hardware and software technology support, the determination of the size of the development of a number of links, the need to co-ordinate arrangements for the development of system science planning, these things for us, are new knowledge.　　Therefore, this first requires the bank to fully understand the development prospect of self-service bank from the concept. A banker said: "Don't look at a small self-service bank, it is a combination of all the resources of personal financial business, that is, brand, knowledge, intellectual property, technology, products, services and talent, and other resources organically combined to create a performance of the self-help bank." For big banks, they want self-help banks to effectively integrate all their resources and build ubiquitous value networks, and for small and medium-sized banks, self-help banks can effectively extend the lack of their network structure and enhance the image of their new technology banks in order to win more knowledge-based customer base. "When we look at all the current self-service banking equipment, it is not difficult to find that they have one thing in common, that is, the design of the appearance and use of the efforts in the" Fool-type "," intelligent "direction of development, its core technology requirements are more and more high, upgrading is to reach the。 According to the People's Bank of China UnionPay card related persons, this year, UnionPay card will realize the national Unicom. The implementation of universal bank card, self-help business will play a strong promotion, but the system structure will be more complex and large, to the current level of banking business, system, efficiency, there is still a certain degree of adaptability. In short, no matter how many obstacles, the development of self-service banks in China is like a train on the fast track, its unstoppable. Therefore, whether the bank can grasp the economic trend comprehensively and choose the corresponding strategic countermeasures carefully is the focus of bankers ' attention for some time.