Central Bank Super Online Banking Launched

Yesterday, the central bank formally launched the second generation online payment interbank clearing system (commonly known as "the"

There are 27 banks in the two generation payment system. Specifically, there are 5 state-owned banks, namely, ICBC, China Construction Bank, Bank of China, Agricultural Bank of China, Bank of communications, and 9 stock banks. They are Everbright Bank, CITIC Bank, Huaxia Bank, Minsheng Bank, Guangfa bank, China Merchants bank, Shenzhen Development Bank, Xingye Bank, Bohai bank, 5 city commercial banks, Beijing bank, Tianjin bank, Guangzhou bank, Ping An Bank and Dongguan bank. 5 rural commercial banks are Guangzhou agricultural commercial bank, Shunde agricultural commercial bank, Beijing agricultural commercial bank, Shenzhen agricultural commercial bank, and rural commercial bank. 3 foreign banks are Korean exchange bank, new Korea bank and Han Asia bank. It is reported that the first batch of access to the central bank.

On the same day, some banks, such as ICBC and Everbright Bank, have been formally connected to other banks, and other banks will also connect to the system in the near future.

A bank of electronic banking department personage introduced, until the first batch of nearly 30 banks passed the test all access to the second generation payment system of the central bank, consumers can realize inter-bank real-time query, pfer real-time to money, interbank deductions three main functions.

The personage introduces, interbank operation according to the requirements of banks, will charge a certain fee, the specific circumstances of the online banking page announcement will prevail.

Journalist experience

enjambment

The reporter has carried on the experience and the test to the "super net silver".

After testing, we can use the two operations of "interline query" and "interbank quick pfer", but the data communication between different banks is not stable.

"Because of the different access time of banks and the differences in technical indicators and stability of online banking systems, it will take some time to achieve these functions comprehensively and smoothly."

A bank electronic banking department pointed out that many banks still have not yet access to the central bank system, and different banks have different provisions on the specific forms and methods of signing the contract, which will lead to the failure of the paction.

No unified logon entry has yet been set up.

Reporters also found that, at present, "super online banking" does not have a unified login entry, must first login into the user has opened a network of silver, as a basic platform for use.

If cross - line queries and cross - bank accounts are to be interchanged, the online signing of the two banks is the first step.

Many banks fail to return to the previous interface after signing the contract, resulting in a failure of the paction.

The failure rate of trading with him is high.

On the Internet banking interface as a basic platform, users can find options for pactions.

After signing the contract, the bank will jump to the signing interface of the net bank and sign the contract.

After signing the contract, an additional account will be used in the bank's online banking system.

However, several online banks who participated in the test failed in signing or adding accounts, and even failed to get the other bank's signing interface.

Banks are required to open both online banks before signing the contract.

The new interbank pfer has achieved all-weather work, real-time arrival, and no need to fill in the bank outlets of each other's accounts.