The online banking business of China Bank refers to various financial services provided by China Bank to customers through Internet technology or other public information networks with the help of personal computers or other intelligent devices. The online banking business of China Bank is divided into personal online banking and enterprise online banking.
Personal online banking:
Account service:
Personal online banking of China Bank provides you with comprehensive account services from information inquiry to personal account transfer, so that you can keep abreast of the latest financial situation.
Account information query: query the deposit account, credit card account balance, transaction details and other information under the personal name.
Personal account transfer: instant fund transfer between personal accounts with the same name.
Payment on behalf of: you can pay the mobile phone bill, fixed phone bill, electricity bill and other expenses.
Personal account management: easily complete the functions of account association, account loss reporting and transfer limit setting.
Investment service:
China Bank's personal online banking provides you with various self-help investment services such as foreign exchange treasure, bank-securities transfer, bank-securities link and open-end fund, helping you realize your desire to preserve and increase the value of your wealth.
Foreign exchange treasure: that is, personal firm foreign exchange transactions. It can conduct firm trading in eight foreign currencies (including: British pound, Hong Kong dollar, US dollar, Japanese yen, Australian dollar, Euro, Swiss franc and Canadian dollar). You can choose real-time trading or entrusted trading according to your needs, and you can also conveniently inquire about foreign exchange quotes and transactions.
Bank-securities transfer: You can transfer money between the savings account and the stock deposit account immediately.
Yinzhengtong: Easily complete the stock investment, including: real-time query of the stock market, own stocks, funds and transactions, setting the entrustment for buying and selling stocks, canceling the entrustment and other functions.
Open-end fund: You can handle the subscription, subscription, redemption, fund information inquiry, fund net value inquiry and other services of China Bank on a commission basis.
Credit card service:
Bank of China Personal Online Banking provides you with a package of services related to credit cards.
Inquiry service: Inquire about various credit card balances, consumption points, customer account details and other information.
Credit card repayment: repay the credit card overdraft through the transfer of funds between your credit card account and deposit account.
Report the loss of credit card: When you lose your credit card, you can immediately report the loss temporarily through online banking to ensure the safety of funds.
Online payment: for special online merchants, it is easy to realize online payment transactions.
Information service:
Let you clearly grasp the banking service information, the latest market conditions and financial information.
Interest rate information: banks can inquire about the interest rates of RMB and foreign currency savings deposits, loan interest rates and historical interest rates of various maturities.
Foreign exchange information: query the foreign exchange quotation of China Bank, real-time exchange rate, expert foreign exchange comments, financial knowledge quiz, operation guide, simulated trading.
Market quotation: the market quotation of investment products such as stocks, book-entry treasury bonds and open-end funds.
Branch Layout: Check the branch layout and contact telephone number of China Bank where you open an account.
Other services:
Financial calculator: it can calculate the deposit interest rate and the monthly repayment amount of the loan.
Change the online banking password: change the online banking password in time to make your online banking transaction more secure.
Update personal information: update online banking registration information in time.
Corporate online banking:
Relying on advanced internet technology and branches covering the whole world, China Bank Online Banking provides you with safe, stable, convenient, comprehensive, real-time, efficient and 7×24-hour financial management, fund management and cash management services on the basis of realizing the automatic on-line processing of online banking and bank back-office business systems.
Through instant messaging remittance, group finance, bank-enterprise docking, enterprise account inquiry, instant messaging customs declaration, overseas account management, payroll payment and other products, we provide you with services such as fund remittance, batch entrustment, authorization method customization, account arrival time inquiry, email payment notification, advance payment, directional payment, futures deposit and withdrawal, etc. Real-time balance, current transaction, historical balance and historical transaction query of local and foreign currency accounts; Centralized management of funds within the group, unified external payment, payroll and reimbursement; Pay customs clearance taxes and fees online and declare in different places; Overseas account real-time balance, real-time transaction, historical balance, historical transaction information query and download, overseas transfer payment; Customer message interaction, personalized page customization and other services.
Service type
Account inquiry:
You can query and download the real-time balance, daily transactions, historical balance, historical transactions, online banking remittance and other information of local and foreign currency accounts of domestic and overseas branches of Bank of China at any time and anywhere through the Internet, so as to keep abreast of the company's financial situation and capital flow, provide decision-making basis for global centralized financial management and capital dispatch, maximize capital utilization efficiency and save capital cost.
Remittance instant message:
Through batch entrustment, authorization mode customization, full tracking of transfer transaction status, account arrival time inquiry, real-time mail payment notification, payment reservation, directional payment and transaction data download; Customer message interaction, personalized page customization, regular reminder password update and other services provide you with safe, convenient and fast fund remittance and settlement services, and easily realize centralized management, flexible scheduling, efficient operation and real-time monitoring of internal funds of customers.
Customs declaration instant messaging tool:
The Bank of China and the General Administration of Customs jointly developed the online payment system of "China Electronic Port" for import and export enterprises to pay customs taxes and fees. You only need to check the tax payment notice and confirm the payment at the electronic port, and you can automatically complete the tax payment through the connection between the corporate online banking of Bank of China and the customs business system, so the customs clearance is smooth. At the same time, you can also enjoy services such as tax notice inquiry, designated payment unit, hierarchical authorization approval, payment in different places, bank collection of tax bills, bank review of bills, automatic refund of interest, and inquiry of relevant laws and regulations. The customs clearance process is simple and easy.
Directional account payment:
On the basis of providing you with services such as customization of authorization mode, strict control of operation authority, full tracking of transfer transaction status, inquiry of arrival time, real-time mail payment notification, payment reservation, transaction data download, customer message interaction, regular reminder password update, personalized page customization, etc., you can strictly manage and restrict the payee information independently, thus strictly controlling the capital flow, realizing convenient, fast and efficient directional capital transfer, improving the security of capital flow and fully cooperating. On this basis, the payee can also submit payment instructions to the payer. After the payer authorizes, it can realize rapid collection and accelerate the withdrawal of funds.
Electronic payment of futures:
"Futures e-Payment" is a safe, fast and efficient futures margin settlement service network platform specially built by China Bank-Enterprise Online Bank for futures exchanges and their member futures brokerage companies. With the help of "e-payment for futures", brokers submit "withdrawal" instructions to the exchange, and the exchange examines and authorizes them to complete the margin transfer process. Through a package of services such as "instant remittance" and "inquiry of public accounts", the demand for rapid transfer of funds between commodity exchanges and brokerage companies, and between headquarters and internal business departments of futures companies can be met.
Overseas account management:
Multinational groups can remotely control the real-time balance, daily transactions, historical balance and historical transaction information of accounts opened by overseas companies in overseas branches of China Bank, and at the same time provide overseas account fund remittance, batch entrustment, authorization mode customization, payment reservation, customer message interaction, personalized page customization and other services, which facilitates the global management and scheduling of overseas account funds and provides the basis and means for multinational groups to conduct centralized financial management and unified decision-making.
Salary/agent reimbursement:
As long as you open a basic account in China Bank, you can transfer funds from basic account to credit cards and debit cards opened by employees in China Bank through services such as batch entrustment, authorization mode customization and advance payment, so as to easily realize online payroll and employee reimbursement services, reduce cash holdings and transaction volume, and meet your demand for remote payroll.
Group financial management:
Through wealth management services, the group head office or its financial companies can easily query and summarize the internal account information of the group, actively collect the funds of subordinate companies, unify external payment, customize the time and amount of automatic collection, automatically replenish the reserves of subordinate companies on a regular basis, limit the flow of internal funds, and control the rights of internal and external payment. You can also establish a fund pool for the group company through internal fund transaction management, and at the same time separately account for the fund transactions of each subsidiary company. It is convenient for group companies to collect account information in real time, automatically adjust and control the balance, manage income and expenditure separately, and count the contribution of funds within the group, so as to truly realize "unified management and separate accounting" of group accounts and provide comprehensive, fast, safe and efficient online cash management value-added services for group customers.
Bank-enterprise docking:
Through the seamless connection between the enterprise online banking system of Bank of China and the enterprise financial software system or ERP system, you can query the real-time balance, daily transactions, historical balance, historical transactions and online banking remittance information through the enterprise financial system without visiting the enterprise online banking of Bank of China. As long as the transfer payment approval process is completed in the financial system, it can be encrypted and sent to the bank to complete fund transfer, payment settlement, directional payment, salary payment, employee reimbursement, active collection and payment appointment, and it can also easily realize payment result inquiry, arrival time inquiry, electronic business reconciliation and payee management.
Service advantages:
1. Relying on the advantages of domestic and overseas branches of China Bank, it has successfully realized real-time automatic fund transfer for enterprises in on-line processing and around the world, as well as real-time and historical inquiry of local and foreign currency account balances and transaction information;
2. Focus on the technical development and process design of enterprise financial management platform, and constantly meet the financial management, capital concentration and cash management needs of group enterprises through many business system upgrades in recent two years;
3. The first online bank that has been audited by an international senior auditing institution, the safety, stable operation and risk avoidance of online banking are the first principles of online banking construction of BOC enterprises. The overall security mechanism of online banking, CA authentication, digital signature and data transmission security have been upgraded three times in two years, always ahead of peers;
4. Personalized operation page, e-mail automatically informs receipt and payment information, and real-time inquires whether the money has arrived and the specific date and time of arrival, which is powerful and flexible and fully coordinated with the authorization control mechanism of enterprise financial management;
5. Through online banking channels and related product portfolios, the group cash management scheme and centralized fund management requirements of group enterprise customers are realized.