Basic introduction Chinese name: remittance mbth: remittance specific business: roaming remittance, ordinary remittance, business remittance, etc. Pinyin: Hu \ u ku \ u nFeatures: convenient nicknames: remittance vocabulary analysis, bank card remittance, special remittance, ordinary remittance, Western Union remittance, traveler's check, foreign currency remittance, main features, convenience, safety, quickness, remittance skills, vocabulary analysis remittance (remittance) Pinyin: Hu \ u ku \ u nDefinition: (1 He went to the bank to remit money. (2)[ remittance; A sum of money sent to another person or place. He received a remittance. Ling Ke's Xiang Xue Hai said, "He delivers books from house to house every day from the former village to the later village, from the owner to the west, and occasionally there is a small package and a small remittance." Remittance belongs to forward remittance, which is a settlement method in which the debtor or payer deposits the money into the bank on his own initiative and entrusts the bank to pay a certain amount to the foreign creditor or payee by using a certain payment instrument. Money sent back between banks or across regions. Remittance includes three types: letter transfer, wire transfer and draft. Bank card remittance More and more citizens are willing to choose bank card remittance. As long as you provide the other party's name and card number, you can realize card-free deposits in different places. Banks such as industry, agriculture, China, China Construction and Shanghai Pudong Development Bank have all opened this business. What the public should pay attention to is that many banks charge fees for deposits and withdrawals in different places. Therefore, whether remittance places are widely distributed and whether remittance withdrawal is convenient has become an important indicator to be considered. For example, Agricultural Bank of China and Industrial and Commercial Bank of China are very popular with customers even if their outlets are in remote places such as Tibet, Inner Mongolia and the top of Huangshan Mountain. The bank card remittance of Shanghai Pudong Development Bank is still free, and citizens can also choose cheap ones. It is the best policy for citizens who travel around the world to bring a bank card. For families with children studying abroad, parents use the main card to handle deposit business in China, and children can spend money abroad with only one supplementary card. But the biggest drawback is that it is not safe to carry. If you are traveling abroad, it is better to deposit foreign currency into Jinsui International Debit Card and spend it directly by credit card. Besides price, convenience is a big selling point of remittance business. The new roaming remittance launched by ABC meets the needs of the public. There is no need to inquire about the name and address of the other remittance bank. As long as you write down the name of the payee and tell the payee the password of the money order, the other party can pay the money order at any online business institution of the Agricultural Bank of China. This roaming remittance service is not only suitable for remittance to relatives and friends, but also very convenient for cash users in different places, such as traveling abroad, going on business trips, traveling abroad and going to school. More than 400 outlets of Shanghai Agricultural Bank have all opened roaming remittance and withdrawal functions. Customers only need to bring their personal identity documents to handle this business at outlets, while the specific fee for roaming remittance business is only 1% of the remittance amount, with the lowest being 1 yuan and the highest being 50 yuan. At the same time, it is also very convenient to use online banking to transfer money. Kaka transfer and inter-bank transfer can be carried out by using the website of Agricultural Bank of China 95599 and telephone banking. ICBC launched the remote transfer service function of 95588 telephone banking. During the Spring Festival, CCB is holding preferential measures for online remittance, and the handling fee is only 0.3% of the remittance amount. Ordinary remittance This is the most commonly used remittance method for citizens and the most common remittance method on the market. Its advantage is that the remittance amount is relatively large, and the funds in citizens' cash accounts can be remitted in the original way. If the cash account or cash remittance amount is less than USD 50,000, you can provide relevant supporting documents stipulated by the State Administration of Foreign Exchange and go directly to the bank for handling. Ordinary remittance usually takes 3 days to reach the other party's account. The biggest feature of Western Union remittance of ordinary bills of exchange is that the remittance speed is fast, there are many outlets to handle, there is no need to open a bank account, there is no agency fee, and money and remittance are the same price. The regret of this remittance method is that the foreign currency that can be handled is limited to US dollars, and the maximum remittance amount can only reach 10000 US dollars, and only person-to-person remittance is accepted. At the time of handling, the customer should bring identification and proof of use. There is no such business in Africa for the time being. Traveler's checks remitted by Western Union can be selected by citizens traveling abroad. Traveler's checks have many advantages, such as multiple fixed denominations, multiple currencies, unlimited use period, wide acceptance range, anti-counterfeiting measures on the face, and need to be countersigned when used. Only after the initial countersigning is consistent can they be accepted. So if it is lost, it is difficult to be stolen or impersonated, and you can get compensation after reporting the loss. You can exchange cash at major banks and exchange outlets around the world, or you can pay the bill directly at international hotels, restaurants, schools and other consumer places. Remittance of foreign currency draft Remittance of foreign currency draft requires a bank to draw a bank draft paid by the bank at the receiving place according to the requirements of the remitter, and the payee takes the draft to the foreign receiving place to present the payment to the bank, or entrusts his bank to collect the money on his behalf. A handling fee of 1‰ of the remittance amount is charged for remittance. If you remit cash, you will also be charged for converting it into cash. Compared with ordinary remittance, it saves a post and telecommunications fee. This is also a good way for you to go abroad. The payee is your customer. The main feature is convenience. If you are a contracted customer of online banking of Agricultural Bank of China, or hold a bank card (debit card or quasi-credit card) of Agricultural Bank of China, you can choose both outlets and online banking at will. Remittance at outlets and payment at outlets or online banks; Or remit money in online banking and pay at outlets or online banking. The safe remitter can remit money as long as he knows the name of the payee accurately, and the payee does not need to tell the remitter his account number or card number to ensure the security of account information. Payment and remittance inquiries are based on passwords. If the password is incorrectly entered three times on the same day, the system will automatically lock the remittance to prevent it from being deciphered by others and ensure the safety of funds. Real-time remittance and real-time payment of quick money can meet your needs at any time. Remittance skills In the past, most people would choose to go to the bank counter or the post office. Now, with the popularity of electronic remittance channels, more people use online banking and mobile banking to remit money, which is not only convenient but also saves money. The remittance fee at the counter is high. There are many ways of bank remittance, but bank counter remittance is still one of the mainstream remittance methods, especially for middle-aged and elderly people, which will be the first choice. Compared with other remittance channels, the counter remittance fee rate is higher. It is understood that the four major banks collect 0.5% of the remittance amount through the counter, with the lowest in 2 yuan and the highest in 50 yuan; Postal Savings Bank collects 0.5% of the remittance amount, ranging from 5 yuan to 50 yuan. Other joint-stock commercial banks or city commercial banks charge a little less, but it is relatively inconvenient because there are few outlets. For inter-bank remittance in different places, the handling fees of the four major banks are all 1% of the transfer amount, which is also the lowest in 2 yuan, but the difference is that some banks have the highest handling fees in 50 yuan and some have the highest 100 yuan. Most other banks charge according to the amount. During the Spring Festival, many banks introduced preferential policies for remittance fees. ICBC said that for off-site transfer and inter-bank remittance through online banking, mobile banking or telephone banking, the handling fee will be 50% off the preferential standard of bank outlets. If you are a star-rated customer of ICBC, you can enjoy a 50% discount on the basis of the original discount. The electronic remittance of ABC is also very affordable. Online banking remittance fee is 0.4%, and mobile banking and telephone banking are free. From 20 11121to 2012 March 3 1, the remittance fee of mobile banking is only1yuan, and the highest in 5 yuan. China Bank's preferential activities are divided in detail. It is free to transfer money to China Bank in the province through online banking, with 7.5% discount for inter-provincial bank card transfer and 20% discount for inter-provincial bank card transfer. Shanghai Pudong Development Bank also said that before March 3 1, inter-bank remittances in different places will be made through mobile banking and online banking, and each handling fee will be 2 yuan; In case of cross-bank remittance, the handling fee for cross-bank remittance of super online banking through online banking is 0.4%, with the lowest 2 yuan and the highest 20 yuan; If cross-bank payment is made through mobile banking, it can be free. SMS remittance is also affordable. SMS remittance means that customers edit the fixed format SMS content through their mobile phones and send it to the corresponding connection ports to realize the transfer and remittance business with the contracted account. CCB has launched this function. Customers only need to agree on the payment account number, collection account number and mobile phone number at the bank counter, and after opening the SMS remittance service, they can transfer and remit money between the agreed accounts by sending SMS. The biggest advantage of SMS remittance is that you can remit money anytime and anywhere where there is a cell phone signal. The cost of SMS remittance is also very low. Before March 3, 20 12 1, CCB can enjoy the discount of 1, with the lowest handling fee of1yuan and the highest in 5 yuan.