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Users can log in to any bank's online banking, and can operate most businesses including other banks' online banking business, and their business scope will not be limited by using cards issued by different banks.
In the first half of the year, the online banking interconnection platform 20 10 was completed, and you can log in to one online banking to operate the online banking business of other banks.
Ouyang Weimin, Director of the Payment and Settlement Department of the Central Bank, said at the 2009 China Online Banking Annual Meeting hosted by the China Financial Certification Center that the Central Bank will establish an online banking interconnection platform before June 20 10.
Third-party payments will be regulated.
Change the fragmentation of online banking. While further regulating the third-party payment market, the central bank is also striving to improve the convenience of online banking services. "The central bank decided to establish an online banking interconnection platform, which will be launched before June." Ouyang Weimin said.
Change the fragmentation state of online banking
Although all banks have launched online banking business, they are still in a fragmented state. Guo Gang, the technology operation department of SDB, said that SDB is piloting this system; After the official operation in June, customers can query the information of ICBC, Bank of China and other bank cards as long as they log in to SDB online banking.
This system is also called "online cross-bank inquiry system". Alina Zhang from the electronic banking department of Beijing Rural Commercial Bank introduced that Beijing Rural Commercial Bank has participated in two demand seminars organized by the central bank for this system. However, this system is only limited to inquiry business, and the technical support for transfer payment is not enough. As for the inter-bank inquiry fee of "Internet banking platform", Alina Zhang said that he has not talked about it.
Security of online banking
The security of online banking is also the focus of central bank measures.
"Recently, the People's Bank of China sent an article to commercial banks to solicit opinions on the information security requirements of the online banking system." Li Xiaofeng, deputy director of the Science and Technology Department of the Central Bank, said that this opinion draft put forward safety technology management requirements for banks and gradually rose to the industry standard. The central bank will establish a professional evaluation team to inspect banks every year and form an annual inspection system.
"(The central bank) will also implement a hierarchical protection system for bank information systems." Li Xiaofeng said, and through these systems to solve the security problem of online banking.