2 After entering the loan page, click "Pricing Benchmark Conversion" in the online application column;
3. Choose the interest rate pricing method according to the prompt, and verify the identity, then the LPR conversion can be successfully carried out;
4. If there is a lender, you need to use the "Agricultural Bank of China" APP to confirm the conversion.
Mobile banking refers to the channel mode in which banks use smart phones as carriers to enable customers to use banking services on the terminal. With the development of communication and Internet technology, the business functions of mobile banking are constantly updated and improved. Refers to the use of mobile devices such as mobile phones to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.
The customer's mobile phone is connected with the bank through the mobile communication network, which is a brand-new business product that can directly complete various financial services such as account inquiry and transfer through the mobile phone interface. That is, banks use mobile phones as carriers, rely on mobile GSM wireless networks, send short messages through mobile phones, and use mobile short message resources to operate bank accounts, thus realizing the functions of "financial management" and "electronic wallet" of mobile phones. Simply put, mobile banking is the abbreviation of using mobile phones to handle banking-related business, and it is a channel for banks to realize electronization. It is a brand-new service mode that combines electronic money with mobile communication services.
Mobile banking, also known as mobile banking, refers to the use of mobile phones, PADs and other mobile devices to realize the docking between customers and banks, and to handle related banking business or provide financial services for customers. Mobile banking is both a product and a channel, which belongs to the category of electronic banking.
Theoretically, except cash business, the counter business of banks can be moved to mobile banking. The functions of mobile banking are divided into standard functions and extended functions. Inquiry, transfer, remittance, payment and temporary loss reporting are standard functions. Extended functions are developed on the basis of standard functions, such as fund management, commercial payment, online shopping and so on. The provision of extended functions is inseparable from the support of the bank background. These expansion functions of small and medium-sized banks are generally weak, far behind state-owned banks and national joint-stock commercial banks.
Domestic banks have launched mobile banking services, including large banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank and Bank of Communications, national joint-stock commercial banks, some urban commercial banks and rural commercial banks, and a few rural cooperative banks, new rural financial institutions and rural credit cooperatives. The mobile banking of regional banks is basically the mobile banking of online banking. The characteristic mobile banking related to rural finance in China includes cash withdrawal without card, small loans for farmers, address remittance and mobile finance.