Self-service bank is the product of financial innovation carried out by commercial banks in recent years to meet the financial needs of customers. With the help of modern self-service equipment, providing customers with convenient and efficient financial services is a part of the electronization and automation of bank counter business processing. Related? Self-service bank? There are many names at home and abroad: unmanned bank? ,? Electronic banking? ,? Self-service financial center? Wait, because? Unmanned bank? Some semantics are not very appropriate, so we think it is called? Self-service bank? More appropriate. To put it simply, Self-service bank? It refers to a banking institution that provides self-service for bank customers by means of science and technology.
1, self-service banking equipment:
Self-service banking equipment generally includes: automatic deposit and withdrawal machines, automatic deposit machines, automatic teller machines, multimedia information inquiry systems, automatic safes and night vaults. In addition, there are foreign currency automatic exchange machines, passbook automatic printers, ic card deposit machines, telephone banking self-service financial services, money counters, money detectors and so on.
2. Functions of self-service banking equipment
ATM is the most advanced ATM in the world at present. It integrates cash deposit and withdrawal, and can handle payment business, which greatly facilitates customers. Automatic deposit machines provide deposit services. ATM provides services such as withdrawal, payment, balance inquiry and password modification. The multimedia automatic terminal can introduce financial knowledge and bank information in an all-round way, inquire and print the historical transaction details of all accounts, pay various fees, handle inter-card transfer, intra-card transfer, foreign exchange trading, bank-securities transfer, pledge loan, treasury bond trading, reminder service, printing invoices, oral loss reporting and other services; Automatic safe deposit box provides self-service safe deposit box service, which allows customers to access goods without time limit and without the company of bank personnel, and also ensures the privacy of customers; If you apply for the night vault business in advance, you can freely deposit cash or goods 24 hours a day.
Some are self-service in a broad sense, such as online banking, telephone banking, mobile banking, home banking and so on.
Online banking, also known as "online banking", refers to an online service system in which banks establish bank websites through the Internet platform and provide various financial services for banks. Function: It can not only realize traditional banking services such as online inquiry, transfer settlement, payment, remittance, loss reporting, consultation and complaint, but also develop new services such as passbook stock trading, personal foreign exchange firm trading, consumer credit and electronic letter of credit.
Telephone banking is a new banking service system integrating advanced technologies such as computer, communication and multimedia. Customers can handle all kinds of banking business by phone without leaving home.
Function: provide customers with self-service services such as account balance inquiry, information inquiry, password modification, transfer and payment by telephone.
The English name of Mobile Banking Service is mobile banking service, which refers to a service system that connects customers' mobile phones with banks through mobile communication networks and realizes various financial services directly through the mobile phone interface. It is a brand-new service mode combining electronic money with mobile communication service. Function: enable customers to realize financial services such as inquiry, loss reporting, transfer, payment, securities service, foreign exchange firm trading, financial secretary, etc. Anytime and anywhere.
Home banking is based on cable TV video broadband network, with TV sets and set-top boxes as customer terminals to realize networking and handle banking business. Compared with online banking, family banks are closer to the lives of ordinary people. Once opened, users can complete a number of banking services at home through TV, learn the latest overseas financial information, and experience more fashionable and convenient financial management methods.
3. In addition, there are special self-help businesses? self help loan
If you are China Merchants Bank? A card? After signing an agreement with China Merchants Bank, customers can pledge their local and foreign currency time savings deposits in China Merchants Bank Card, apply for loans from China Merchants Bank through self-service devices such as telephone banking, online banking and self-service terminals, and repay through the above channels.
Letter of credit clause
After applying to China Merchants Bank for opening the self-service loan function, the borrower will use it for himself? A card? Two kinds of time deposits, lump-sum deposit, lump-sum withdrawal and interest withdrawal, apply to China Merchants Bank for pledge loans. At present, China Merchants Bank accepts time savings deposits in RMB, USD, HKD and Japanese yen as collateral.
c