Some Banks Push Direct Banking Mode Actively Layout Internet Finance

< p > Beijing bank adopts the mode of "online Internet platform" and "offline direct sale store".

Online services are composed of Internet integrated marketing platform, online banking, mobile bank and other channels. The offline model is the establishment of a civilian direct selling shop, setting up a remote contract machine, an access cash machine, a self-service payment terminal, etc.

At present, direct selling stores have been deployed in cities such as Beijing, Xi'an, Ji'nan and Nanjing.

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The direct bank of Zhuhai Huarun bank has provided some basic services: intelligent deposit, a money fund of "run day increase" which is similar to the balance of treasure, and the "prepaid" product that pays the water and electricity gas fee. P

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< p > the direct bank of Xingye Bank also provides two kinds of login modes, that is, the computer version and the client mobile banking version.

The reporter entered the computer version of the direct bank computer of Xingye Bank to see that there are three kinds of online businesses, namely, financial products, affiliate funds and regular and notice deposits.

In terms of financial products, apart from the financial products offered by the head office of the Industrial Bank, some of the first tier branches will also carry out some financial products on line. They will mainly promote the "Wan Li Bao" series of financial products, "cash treasure", "every day, and so on."

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< p > in China, direct selling banks are new concepts, while abroad is a more mature "a href=" http://www.91se91.com/news/index_c.asp "business mode < /a >.

This bank exists as an independent legal entity, there is no entity network, all services and products are completed through mail, telephone, Internet and so on, completely subverting the traditional banking service mode.

At the same time, because fewer institutions, fewer personnel and lower costs, the prices and prices of products and services provided by direct banks will be lower.

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< p > reporter found that when buying products such as financial products, < a href= "http://www.91se91.com/news/index_c.asp" > fund bonds < /a > on the direct bank of Xingye Bank, there is no need to register and log in, click "buy" into the payment page, choose to pay the bank, enter the card number, ID card, paction amount and other information, then you can purchase successfully.

At present, it can support direct pactions of bank cards, such as Societe Generale, industrial and commercial bank, construction bank, agricultural bank, China Merchants Bank, Minsheng Bank, CITIC Bank, Everbright Bank and Ping An Bank.

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< p > < a href= > http://www.91se91.com/news/index_c.asp > financial product > /a > through direct selling bank is exactly the same as the products sold on the counter. When purchasing, it will automatically generate corresponding E card number of our bank, and customers can associate E card number with our personal network silver so as to realize free trading.

Mr. Li, a customer service manager of the Industrial Bank of Shenzhen, told reporters that some of the first tier branches, such as the financial products issued by the sub branch of the Bank of China, could not be bought by customers in other regions. Now E cards can break the regional restrictions and achieve free purchase.

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< p > Mr. Li said that the difference between direct banks and online banks is that customers are more convenient when buying.

But at present, the direct selling banks in China still belong to the electronic banking department of the bank, which is an effective supplement to the physical network as traditional Internet banks.

As far as financial products are concerned, there is no obvious difference between the rate of return and the rate of return on Internet banking channels.

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Less than P, we can see from the bank pushing direct bank mode, facing the competition of Internet companies, traditional banks have begun to actively layout Internet finance.

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