Analysis:
The four state-owned banks are China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank. There are many similarities in the overall functions of these four banks. For example, personal financial services, corporate financial services, electronic banking, etc. . Although there are many similarities, there are still many differences. Their respective responsibilities are still different.
Bank of China, its online banking has the functions of account inquiry, online payment, overseas account management, bank-enterprise docking, fund remittance, batch entrustment, authorization mode customization, prepayment, directional payment, historical transaction inquiry, payroll payment, agent reimbursement, online payment of customs clearance taxes and fees, and customs declaration in different places.
China Construction Bank, its online banking has the functions of account inquiry, online payment, online payment, transfer remittance, online express remittance, banking and securities business, securities business, foreign exchange trading, batch business and so on.
China Industrial and Commercial Bank, whose online banking has the functions of account information inquiry, transfer payment, online payment, agency business and online payment, provides dynamic demonstration, which makes people feel very convenient and has the highest security performance. In addition, there are telephone banking, corporate banking and mobile banking.
China Agricultural Bank, its website function is relatively simple. Its online banking has the functions of account inquiry, account password modification, online temporary loss reporting, transfer, online payment, online payment and so on. Online payment is divided into B2B and B2C.
By comparison, I found that I personally think that the functions of ICBC are comprehensive, because it not only contains the basic functions of the three major banks, but also provides dynamic demonstrations, which makes people feel very convenient and has the highest security performance. Need to install patches to understand security secrets, ICBC also divided into telephone banking, corporate banking and mobile banking! The functions provided by China Bank's online banking are also good. The functions it provides are mainly oriented to enterprises, such as paying wages on behalf of enterprises and docking between banks and enterprises. The functions provided by CCB's online banking are relatively balanced in terms of individuals and enterprises, unlike Bank of China. However, the online banking function of ABC is the least, and it only provides some basic functions, while other functions such as bank-securities transfer, online remittance, online pledge loan and national debt transaction are not provided.