Question 1: What is Super Online Banking? Super banking is not a business of any bank, but developed by the central bank. Currently, the banks that have opened this business include ICBC, China Construction Bank, Bank of China, Agricultural Bank of China, Bank of Communications, China Everbright Bank, China CITIC Bank, Hua Xia Bank, China Minsheng Bank, China Guangfa Bank, and China Merchants Bank. , Shenzhen Development Bank, Industrial Bank, Bohai Bank, Bank of Beijing, Bank of Tianjin, Bank of Guangzhou, Ping An Bank, Dongguan Bank, Guangzhou Rural Commercial Bank, Shunde Rural Commercial Bank, Beijing Rural Commercial Bank, Shenzhen Rural Commercial Bank, Dongguan Rural Commercial Bank, Korea Exchange Bank , Shinhan Bank and Hana Bank (the latter three are foreign banks)

The super online banking launched yesterday is only in trial operation in Beijing, Tianjin, Guangzhou and Shenzhen, and is basically for corporate customers, 10 It will be operated in 10 cities including Hangzhou and Nanjing in the middle of the month, and the scope of trial operation will continue to be expanded after November

It is completely trial operation now, and the failure rate of the contract payment function is very high. It will be officially launched for individual customers in the future. It’s hard to say what the regulations will be, but currently some services are free, but charges are likely to be charged in the future

Question 2: What is Super Online Banking? Super online banking is also known as the "second generation payment system" in China. According to the official website of the central bank, "the second generation payment system can provide banking financial institutions with flexible access methods, clearing models and more comprehensive liquidity." Risk management means, realizing online banking interconnection, supporting business processing of emerging electronic payments and RMB cross-border payment settlement, and realizing peer-to-peer payment (PVP) settlement of domestic and foreign currency transactions.” According to the schedule, the second-generation payment system developed by the central bank will be launched as a whole in November 2011, but an important part of it - the second-generation online banking system connecting the online banking ports of the head offices of commercial banks will be launched on August 31, 2010.

Question 3: What are the differences between online banking, super online banking, and u-shield? Online banking is a way for banks to provide customers with related services online. Customers can handle some transactions, such as transfers, etc. without going out. business. Most banks' online banking requires a U-Shield (some have other names), and some credit card websites allow you to log in directly.

U-Shield is a high-level security tool for online banking. It looks like a USB flash drive.

Super online banking is an upgraded version of online banking, which supports inter-bank business. Different bank cards can be bound or opened for business.

So the difference is that USB-Shield is a tool for online banking, and Super Online Banking is an upgrade of online banking.

Question 4: What is Super Online Banking? "Super Online Banking" is a standardized cross-border banking system developed by the central bank. Bank online financial service products. Realize the interconnection between each bank's online banking and central bank systems, realize real-time arrival of inter-bank payments, and one-stop management of all accounts. China Merchants Bank’s online banking has realized: inter-bank credit (China Merchants Bank initiates an inquiry on other bank’s account, and the other bank’s account is transferred to China Merchants Bank), inter-bank debit (other bank initiates inquiry on China Merchants Bank’s account, and China Merchants Bank’s account is transferred to another bank), and super online banking “inter-bank fund pooling” Inter-bank real-time transfers and other functions.

Question 5: What are the specific differences between Super Online Banking and Inter-Bank Access? Hello, 1. The current functional advantages of Super Online Banking:

1. “One-time activation, one-stop service” ": Super online banking is convenient and easy to use, with simple operation procedures, truly realizing "one-stop" management of all bank accounts.

2. Free inquiry and transfer of accounts of other banks: After activating the professional version, you can enjoy free real-time inquiry of account balances and transaction details of other banks, transfer funds from other banks' accounts to our bank's accounts and other services.

3. Safe and reliable: China Merchants Bank pioneered the "One Net Shield" security defense system, which adheres to the highest security standards in the industry and has eight layers of defense measures to protect all your bank accounts through a comprehensive and multi-level security protection system. of funds and information security.

Limit regulations:

(1) According to the regulations of the People's Bank of China, the maximum transfer of an account from another bank to another bank shall not exceed 50,000 yuan.

(2) In addition to the limit regulations of the People's Bank of China, some banks require you to set limits, number of transactions and other information when signing a contract for "transferring accounts from other banks to the recruiting bank", and stipulate the maximum value. The value you set cannot Exceeds the maximum value stipulated by the bank where the account is opened. After the contract is completed, when transferring to the recruiting bank through another bank's account, the transfer limit cannot exceed the value you set.

(Note: For specific regulations of other banks, please consult the service hotline of the corresponding bank)

(3) If the transfer amount is greater than a single transaction of 50,000 yuan, the system will split it into multiple transactions and transfer them in batches, but It is still subject to the daily limit set by other banks. If the daily limit is exceeded, the transfer will not be successful.

Arrival time and handling fee standards

Super online banking transfers arrive in real time; our bank waives handling fees for checking other bank accounts and transferring funds from other bank accounts to China Merchants Bank accounts .

Note: If a customer asks whether other banks charge fees, please tell them "It is understood that all banks currently do not charge fees. As for whether they will charge fees in the future, it depends on the regulations of other banks. It is recommended that customers consult the other bank."

2. "Inter-bank Tong" business: The inter-bank Tong business means that the customer authorizes our bank to deduct money from the account of another bank designated by him through the China UnionPay main center or its branch and transfer it to the designated bank. My "all-in-one card" business. After activating this business, customers can initiate card transfers from other banks through mobile banking or online banking, or they can set up a separate personal fund collection plan, and our bank will automatically execute other funds according to the collection method, collection date and other conditions set by the customer. Bank card transfer (i.e. transfer from associated account to central account).

Fixed-amount collection:

1. Fixed-amount collection means that the deduction amount in each period is the collection amount specified by the customer; the collection period can be selected daily or weekly or Days of each month, if you select a certain day of each month for collection, if there is no such day in a month, collection will not occur in that month;

2. During collection, if the associated account has insufficient funds, the system will not initiate a deduction After receiving the payment instruction, there will be no further deductions;

Collection cycle: including "one-time collection" and "periodic collection". Among them, "periodic collection" includes "daily collection", "weekly collection" (the day of the week is specified by the customer), and "monthly collection" (the day of the month is specified by the customer).

Collection limit: Any amount can be transferred, and there is no minimum amount limit for a single transaction. For the maximum limit, see "4. Collection limit" below.

Aggregation limit

The service of setting personalized limit is not supported when opening inter-bank business. Our bank will set the single limit according to the conditions of each channel. Among them, the Hunan UnionPay channel will set the limit for each transaction The transaction amount does not exceed 2 million yuan, and the transaction amount at the UnionPay main center channel does not exceed 200,000 yuan. Regardless of whether the customer actively initiates a single transfer or sets up personal funds to be collected and automatically transferred by the system, they are subject to the above limits. However, for personal fund collection plans, our bank system supports transaction splitting (the system is based on the actual situation of each bank). Support the setting of split amount), and the single transfer initiated by the customer will not be split.

(If you have any other questions, please log in to China Merchants Bank's "Online Customer Service" consultation (website: forum.cmbchina/...ncmu=0), we will serve you wholeheartedly! Thank you for your support to China Merchants Bank Pay attention and support! )

Question 6: What does Super Online Banking mean? Super Online Banking is also called the second generation payment system. According to the central bank’s explanation, it can be flexibly connected to the bank’s financial structure, clearing and more comprehensive. Liquidity risk management, online banking interconnection, support for emerging electronic payments and RMB cross-border settlement, and realization of peer-to-peer payment settlement in local and foreign currencies.

Question 7: What does super online banking mean? The second-generation payment system launched by the central bank is used by opening online banking in multiple banks, and then initiating contracts with each other for payment authorization association. Then one person can transfer the money in the bank cards of other related parties to his own account through his own online banking. , the transfer fee is temporarily waived, and the transfer speed is very fast. If you have online banking from different banks, you can completely authorize each other to sign contracts with other people's online banking, which is convenient for individuals to mobilize small funds in different places

Question 8: How to use ICBC Super Online Banking? 1. If there is no separate address for Super Online Banking, you can log in to ICBC Personal Online Banking and under the My Account menu, you can see Super Online Banking.

2. The fee remains unchanged.

3. Super Online Banking means that you can use ICBC USB Shield to access all your accounts in other banks (including transfers and payments)

Question 9: Super Online Banking What is "Super Online Banking"? It is the latest standardized cross-bank online financial service product developed by the central bank in 2009.

By building a "one-point access, multi-point docking" system architecture, enterprises can achieve "one-stop" online cross-bank financial management. The second-generation central bank payment system of "Super Online Banking" was officially launched on August 30, 2010, and will provide functions such as real-time inter-bank transfers and inter-bank account inquiries. 14 banks accepted the central bank's acceptance, and third-party payment companies did not participate.

Question 10: Specific information of Super Online Banking. Super Online Banking does not use large or small payment systems. It seems to be called the People's Bank of China Online Banking Inter-bank Payment and Clearing System. It mainly realizes the functions of real-time sending of transfers and remittances in the same city and across different places 7×24 hours, real-time query of transfer processing results, and real-time arrival under normal transaction conditions.

It is also operated online, and only the receiving and paying banks are required to participate in this system. Not all banks currently have this business. Some banks have them but not all, for example, they only have personal accounts but no corporate business, or they can collect money but cannot make payments to others.