The first type takes the ID number as the login name, such as China Construction Bank and Hebei Bank.
The second is to log in with your own user name, such as Bank of China and Industrial and Commercial Bank of China.
The third is automatic key login, such as KBao of Agricultural Bank of China.
Compared with traditional banks, the advantages of online banking are as follows:
(1) greatly reduces the operating costs of banks and effectively improves their profitability. The second line of Internet I mainly uses public network resources. There is no need to set up physical branches or business outlets, which reduces the use of personnel and improves the efficiency of the bank back-office system.
(2) There is no limitation of time and space, which is conducive to expanding the customer base. Online banking has broken the geographical and time constraints of traditional banking business, and has the characteristics of 3A, that is, it can provide financial services to customers at any time (at any time), anywhere (in any case) and in any way (in any case), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.
(3) It is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.
The function is more abundant, covering all aspects of life. Users don't have to go to the bank for every detail. Using online banking, you can buy all kinds of wealth management products, funds, securities companies to collect wealth management, insurance, gold, foreign exchange and so on online. For online banking users, although there is no direct face-to-face communication with bank account managers and financial planners, through the powerful network of online banking, users can obtain more abundant and instant information through online banking capital channels and securities channels.
Treatment method:
I. Opening online banking requires an ID card, as can be seen from the steps of opening online banking.
Two. The steps for opening online banking in a bank are as follows:
1. Bring my ID card and bank card to the bank outlet to fill out the form;
2. Open online banking and e-commerce functions at the bank counter, and handle online banking U shield or SMS verification;
3. When logging in to online banking for the first time, you need to download the online banking login security control. After logging in, you need to change the online banking user name and login password, and set a "reserved verification information";
4. Note: Remember the login password of online banking, and avoid logging in personal online banking in Internet cafes and other places.