Today, we understand the security of online banking through four questions related to online banking. I believe that after reading it, is it reliable for "online banking?"
First, who organized the online merchant bank?
In our impression, banks, especially state-owned banks, will not fail because there is a country behind them. So who is behind the online merchant bank?
The main sponsors of the online merchant bank are Ant Financial, Shanghai Fosun Industrial Technology Development Co., Ltd., Wanxiang Sannong Group Co., Ltd., Ningbo Jin Run Asset Management Co., Ltd., Hangzhou Dr. He and Jinzi Ham, with a registered capital of 4 billion yuan. Among them, Ant Financial, Shanghai Fosun, Wanxiang and Ningbo Jin Run hold 30%, 25%, 18% and 16% respectively.
The shareholders of online merchant bank are well-known in the industry, besides Ma Yun and Peng Lei, CEO of Ant Financial, they also include Guo Guangchang, Chairman of Fosun Group, Lu Weiding, President of Wanxiang Group, Shen Guojun, Chairman of Yintai Group (the major shareholder of Ningbo Jin Run), Shi Yuzhu, Chairman of Giant Group, Shi Yanjun, Chairman of Golden Ham, etc.
Is online merchant bank safe? Shareholders seen later believe that investors have a little bottom in their hearts.
Second, how does the online merchant bank operate?
According to Yu Shengfa, president of the online merchant bank, the online merchant bank will operate by Internet, with no physical outlets, no cash business, no deposits, no branches, no counters and pure online operation.
Based on cloud computing technology and big data-driven risk control capability, online merchant bank will adopt the operation idea of "light assets, transaction and platform". Online merchant banks analyze personal credit and operate business through network data. Among the more than 300 employees of online merchant bank, two-thirds are scientific and technical personnel, engaged in data modeling and other work.
Tang, chief information officer of the online merchant bank, said that the cost of a loan issued by the online merchant bank is less than that of 2 yuan, while the cost of a single online loan is about 2,000 yuan.
Is the online merchant bank reliable? See how to operate and have a deeper understanding of operating costs.
Third, how to ensure the security of funds and information of online merchant banks?
As a financial institution, the security of online merchant banks is the key. It has a sound risk management system and information security guarantee system, which can effectively protect users' financial security and information security, but users still need to properly keep personal privacy information.
4. What should I do if my mobile phone loses the funds in the online merchant's bank account?
Is the online merchant bank reliable? You need to enter the correct transaction password to transfer money from the online merchant account. However, for the safety of funds, if the mobile phone is lost, it is recommended to use someone else's mobile phone to lock the account after emergency login, or call 95 188-3 (service time is 8: 00-24: 00) to lock the account.
To sum up, after understanding the above four problems of online banking, do you believe that users are safe for online banking? Is the online merchant bank reliable? I already know what I am doing, and I can use it with confidence. Of course, anything related to money must be cautious.