ICBC'S Smart Account Card, "Settlement Manager" Of Small And Medium Enterprises

In order to better serve the SME customers and promote the sustainable development of SMEs, the Chongqing branch of ICBC, according to the industry, growth stages and the different needs of financial services, has launched a new preferential package for small and medium enterprises settlement accounts, which has been well received by P users.

The smart account card in the package can not only manage all accounts, but also go to the bank to handle all payment and settlement business, and do not need to fill in the check and other credentials.

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< p > < strong > < a > href= > http://sjfzxm.com/news/index_z.asp > > card > /a > in hand settlement no worries /strong > /p >

< p > the financial intelligence account card is one of the ICBC's innovative products that meet the needs of new and old customers in terms of capital settlement, and is also a star product of ICBC's public service.

Compared with traditional services, financial intelligence account cards can complete account information query, pfer and bill printing services in bank counters, self-service terminals, enterprise online banking, telephone banking, ATM, and receipt self help printer channels.

Customers only need to hold the card and enter the password of the card, so that they can handle the relevant settlement business and satisfy all kinds of settlement needs.

Therefore, it is also known as the "settlement manager" of small and medium-sized enterprises.

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< p > the account management function of financial intelligence account card is very rich. It has the new characteristics of "one card and many households" and "one family multi card".

"One card and many households" means that each account card can store multiple accounts, including current accounts, regular accounts, and financial accounts. Customers can only manage a card's linked account by holding a financial intelligence account card, so as to realize unified scheduling and centralized management of funds in each account, as well as pfer and payment in accounts.

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< p > "one household multi card" means that each settlement account can be hung under a number of financial intelligence account cards for different personnel to inquire, deposit or settle accounts, so it is more personalized.

This function is widely applied to enterprises with more chain enterprises or branches and separate checking of receivables.

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< p > < strong > < a > href= > http://sjfzxm.com/news/index_f.asp > > /a > customer's good assistant < /strong > /p >

< p > financial intelligence account card is divided into 3 types: platinum card, gold card, and ordinary card. The business customers who have platinum cards and gold cards can get personalized one to one service at the ICBC's business outlets, displaying their corporate status and respect.

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< p > the financial intelligence account card breaks the traditional mode of public service, and runs personalized services throughout the accounts management, payment and settlement, investment management and information reporting of the enterprises, so that customers can settle accounts more humanized, more personalized and more convenient.

Mr. Xiao, the boss of Chongqing private enterprise, has a deep feeling that he can enjoy the public service through the financial intelligence account card. He can enjoy the "one to one" settlement, financial consultation and other personalized services through the financial intelligence account card. It is the first time in the banking industry, while helping the enterprises to solve all the needs, it truly reflects the "people-oriented" service concept of the ICBC, and the financial intelligence account card is indeed a good assistant for the enterprise customers.

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< p > for customers, as long as they hold a card, they can go to ICBC to handle all accounts under their name.

Such as frequently used bank settlement account pfer payment, cash access, time deposit access, investment management, certificate purchase, custody business, etc., truly "one card in hand, go all over Shenzhou".

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< p > Mr. Shaw has an enterprise that produces agricultural engine. Because of its business and financial management needs, he has opened a basic account, a special account, a loan account and a financial account in ICBC.

Usually, company finance must purchase and use cheque separately according to different settlement accounts. Financial staff or confusion due to cheque can not deal with business, which brings him great trouble.

At the same time, with the rapid development of enterprise business, the speed of the return of funds and the rapidity of settlement have become increasingly demanding. How to improve the efficiency of settlement has become a difficult problem.

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When p is worrying, ICBC's customer manager recommends financial intelligence account card to him.

After having the financial intelligence account card of ICBC, many difficulties faced by Mr. Xiao are facing difficulties.

A small card can not only manage all accounts, but also go to the bank to handle all business, and do not need to fill out any credentials, such as checks.

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< p > Mrs. Zhou is the chief financial officer of a chain catering company. She has not been able to handle the bank account card of the ICBC. She used to run between banks and businesses.

"Since I have handled the financial intelligence account card of ICBC, it saves me a lot of effort and effort. It has greatly met the financial needs of the enterprises in terms of settlement convenience and paction flexibility, and has also provided us with diversified investment opportunities, which has greatly increased the return on capital."

Mrs Zhou said.

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< p > < strong > personalized customization function < /strong > /p >

< p > the ICBC account card has a powerful customization function. It can set up a lot of financial intelligence account cards according to the customer's use function and permission, so as to eliminate the risk and solve the problem of Hierarchical Authorization and financial management of the financial personnel within the company.

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< p > customers can determine the management rights of each card and cardholder to account according to their business needs, in order to restrict cardholders and carry out personalized rights management.

For example, a customer's authorization to the A of the cashier can only be pferred to the counter, cash withdrawal, or only authorized to be traded on the Internet bank; and the cashier B can authorize the trading rights, such as only collecting or querying, or only pferring accounts.

In short, ICBC's smart account card has personalized risk control and the most intimate service.

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< p > a boss of private enterprise in Chongqing, Mr. Liu said: "the hierarchical authorization of financial intelligence account card is very practical. 2 financial officers and 3 financial personnel have cards, but different powers are set up. They can not operate beyond authority, which is convenient for work and eradicate risks. It effectively improves work efficiency and standardizes internal management."

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< p > financial intelligence account card has been truly multi-channel, multi form, and 24 hours service. It truly provides customers with "financial intelligence" service, so that customers can enjoy the star service of ICBC.

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< p > at present, the multi-channel and multi-form payment and enquiry of financial intelligence account cards can not only be used at the outlets, but also can be completed in the telephone banking and self-service terminals, such as external revenue and expenditure, capital allocation, financial products trading and so on.

The company that owns the bank's financial intelligence account card can directly open the enterprise online bank, through the enterprise online banking management account.

And when you open the card, you can complete the telephone banking registration, dial 95588, provide the exclusive voice menu by card number, complete the inquiry, pfer the card, fax and other business processes.

In addition, corporate financial products can be purchased directly through financial intelligence account cards.

Wen / Tan Xu /p

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< p > "financial intelligence account" has condensed the essence of ICBC's public financial products.

"Wealth" is "wealth, capital" and "wisdom" is "wisdom". "Financial intelligence" highlights the characteristics of ICBC's cash management service, which is the basic carrier of financial services for banks.

The "financial intelligence account" embodies the cash management service concept of ICBC's wealth and intelligence.

"Financial intelligence account" starts from the account, assists the customer in efficiently managing receivables and payments, collecting and adjusting internal funds, and obtaining cash flow information timely and accurately.

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< p > payment and enquiry: the financial intelligence account card can realize the external payment of the unit bank settlement account through the card medium, and is not restricted by the business hours of the network outlets. It can handle payment, settlement and information inquiries at the bank counters, telephone banks or public self-service devices (ATM, self-service terminals, etc.), and extends the banking service time and space.

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< p > account management: using the integrated management function of financial intelligence account card, customers can put all accounts opened by ICBC, such as unit bank settlement account, foreign currency deposit account, fund paction account and financial paction account, and so on, and hang them under the financial intelligence account card according to the needs, so as to realize the control of multiple account information more conveniently.

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< p > personalized permissions: each financial intelligence account card can be linked with multiple settlement accounts. Each settlement account can also be hung under a number of financial intelligence account cards. Customers can determine each cardholder's management authority to account according to their business needs, such as the account permissions and external payment limits.

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< p > exclusive service: at present, ICBC has issued 3 kinds of financial intelligence account cards, such as platinum card, gold card and Puka, such as holding the platinum card and gold card of the financial intelligence account card, which can also enjoy the exclusive service of the ICBC business organization.

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< p > risk control management: customers independently set up cardholders' payment and enquiry authority for accounts, and cardholders only use within their jurisdiction, so as to meet the financial management requirements of enterprises.

The method of checking accounts is flexible, and cardholders can check and print their business cards at the bank counters or self-service terminals anytime and anywhere.

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