Hu Qun of reporter of economic observation newspaper " we help couplet of bank join net now. " subsidiary of department finance science and technology is in charge of a bank high to observe to economy newspaper reporter says, be orgnaization of finance of more than 300 collaboration to receive net couplet at present.
Before this, the Central Bank releases an announcement to ask " each bank and pay an orgnaization to should accept net couplet platform and business at be being finished before October 15, 2017 migratory and relevant preparation works " .
It is to pay treasure, small letter to pay next online disbursement consolidate step by step at the same time, the horizontal sky that is net couplet at the same time is born, silver-colored couplet also is seeking break out of an encirclement -- be opposite in home fair pay settle accounts a disease is held to enter on business and overseas market position.
Right fair: Unit close an account gets stuck
Still remember such setting? Bank site is being discharged to fair bar grow senior team, clients are waiting frettedly to conduct all sorts of trival business... the research and development of product of the progress as financial science and technology, of all kinds mobile banking and promotion, such picture is being reduced gradually " the history " .
Chinese silver-colored couplet in April 2014 first system of sortie company account, caused the heavy revolution of pattern of pair of traditional settle accounts of public professional work. On August 29, hu Ying of president of assistant of Chinese silver-colored couplet expresses, at present already 39 banks issue card of unit close an account, accumulative total issues many pieces 1400, cross trade all right the forehead exceeds 3 trillion yuan.
Regard a commercial bank as the ligament of coupling client, paying settle accounts is the intermediate business domain that bank height takes seriously. President of industrial and commercial bank meets no less than easily to sign up for character of the place on outstanding achievement news briefing in 2017 completely, "Want to have the place of account only, disbursement place has a bank, because account is in a bank. Because account is in a bank..
Traditional disbursement settle accounts mode already cannot satisfy an enterprise to trade the new-style finance demand of link. Although " to public account " and " the bank gets stuck " not be strange thing already, but the disbursement that the unit close an account that binds both together blocks to be an enterprise however start of settle accounts business convenient and efficient new channel.
Zhang Dongning of Beijing bank president expresses, close an account of Beijing bank unit gets stuck rolling out is financial service the hypostatic enterprise, strong move that supports hypostatic economy, more right the develops way active exploration that business of commercial bank company issues in economic new normal state. Unit close an account blocks this one brand-new settle accounts mode permeates the product of innovation and service the enterprise to produce management whole technological process daily, the company that help strength lowers this synergism, continuously healthy progress.
Actually, card of unit close an account justed to be rolled out 2014, get the welcome of the enterprise. Personnel of company finance affairs thinks, it changed the technological process that must want to run to open an account to conduct business all right to public client before, the client holds card to be able to be in channel of domestic random silver-colored couplet (include machine of silver-colored couplet ATM, POS to wait) undertake business of general settle accounts is dealt with is opposite, contented unit client crosses a cash to access, cross turn all right consumption of POS of Zhang exchange, silver-colored couplet, cross travel account inquiry to wait for functional requirement, discharged imprint to bank site check before, write check, queue up to wait for trival program, take the lead in coming true " nearby deals with pair of public professional work, 7 × 24 hours to serve heart to heart " .
The advantage that unit close an account blocks is not restricted hereat, respect of wide hair bank expresses to the reporter, the enterprise is in management process, confront capital mostly unused, temporarily the problem such as difficulty of capital have enough to meet need.
Be aimed at capital unused problem, wide hair bank hand in hand Chinese birthday issues " nimble calculates name of communication and liaison to get stuck " serve to fair intelligence conduct financial transactions in domestic initiate, the synchronism on implementation line opens an account, automatic explain the function such as fund of money of purse of Xin of security of the birthday that buy a nation; At any time redemptive, t+0 second extremely to Zhang, let an enterprise hold the tall redound of the advantage that enjoys current bank savings and investment concurrently.
Current, nimble of wide hair bank calculates a card to already made loan of management of market settle accounts, money endowment, financing and appreciation service the confronts of all kinds company integrated finance at an organic whole serves 4 big functions platform. Written guarantee among them be most fundamental service, money endowment management and financing are to solve business client the finance of higher administrative levels serves demand. Will roll out fictitious card and silver-colored couplet edition next 2 dimension code pays a function, create for the enterprise more convenience change finance to trade without card.
It may be said of foreground of card of unit close an account is capacious. The Central Bank releases " 2017 pay a system to run overall condition first quarter " show, amount of account of unit bank settle accounts is small grow. Up to first quarter end, the whole nation opens 5 068.56 of account of unit bank settle accounts in all 10 thousand, annulus comparing grows 2.61% , add fast rise 0.25 percent. "Can foreknow, card of unit close an account will become a bank to block La Hai of domain the next. " a state-owned big pedestrian person observe to economy forms for reporting statistics is shown.
More crucial is, pay treasure, small letter at present wait for shift to pay an orgnaization to have not intervene this market.
External: Trend international
On August 28, silver-colored couplet international and Australian tourism bureau sign cooperative memorandum in Beijing, future will block the conduct propaganda that use card, visa 3 years to pay information of convenience, travel to share in silver-colored couplet wait for a respect to deepen collaboration. Current, australia is close the ATM of 90% and the business of 75% door couplet blocks usable silver, there is more than 6 to become support in these businessmen " the cloud shines pay " , consumer can use a mobile phone one " brandish " pay namely, place is the greatest airline -- net of bay boat official already also realized silver-colored couplet card is online order a ticket. In the meantime, silver-colored couplet international is issued through cooperating with Australian post office " Load&Go China " travel gets stuck, choose to offer new disbursement.
In recent years, silver-colored couplet strengthens overseas market to extend continuously, as Chinese silver couplet is in charge of the subsidiary of operation international business, silver-colored couplet international is made with the member attract global partner, the network is accepted outside extending condition of silver-colored couplet card, enlarge silver-colored couplet to card is issued and be used. Through with the whole world many 1500 orgnaization cooperates, at present silver-colored couplet accepts a network outspread already to 162 countries and area, 42 countries and area issued silver-colored couplet card.
In the meantime, benefit from benefit from " one belt all the way " of the proposal carry out, silver-colored couplet and country of along the line and area are beginning more compact business and technical collaboration. According to president of Chinese silver-colored couplet Ge Huayong expresses, be in " one belt all the way " along the line, silver-colored couplet already began professional work in 50 many markets. Among them, the ATM of 80% and POS terminal accept Kazakstan Si Tan silver-colored couplet gets stuck, predict to will promote further inside year 95% , place returns accumulative total to issue card of more than 1.3 million pieces of silver-colored couplet. Russia makes an appointment with terminal of 340 thousand POS and 40 thousand ATM to support silver-colored couplet card, accept inside year enclothe rate all will promote considerably 80% . A couplet chief of a tribe realizes ATM and POS terminal basically already accept enclothe completely.
Silver-colored couplet extends traditional bank to block the market on one hand, planning actively on one hand burgeoning terms of payment.
In home, pay without card already the terms of payment below the line of predominate, and in foreign major market, still fail to carry out " 2 dimension code pays " wait for terms of payment. Nevertheless, this kind of means is being changed, "2 dimension code pays " mark brigadier amounts to the card such as card to organize dominant by silver-colored couplet, Visa, all things.
On July 15, in Chinese silver-colored couplet drive actively below, international chip check and pay technical standard the organization (EMVCo) the whole world is faced formally to release in its official net " EMVCo user shows 2 dimension to pile up mode technology standard 1 edition " (" EMVCo QR Code Specification For Payment Systems:COnsumer Presented Mode 1.0 " ) , the global promotion that for 2 dimension the code pays and application made participate in an authority duty each clear, trade the risk is reasonable the dispersive, technology solution that has the whole world to carry out feasibility.
And in this backside it is silver-colored couplet be about to be on the level that 2 dimension code pays international mode seek speech authority and power to make decisions. Nevertheless, be worth what carry is, pay treasure, small letter also marching abroad pay the market.
How is effects of silver-colored couplet break out of an encirclement worth market wait and see what happens.
