Electronic remittance payment refers to a remittance method that transfers deposits or delivered funds in customer accounts (including savings card accounts) to current savings accounts designated by payees in other places or to withdraw cash. .
CCB’s electronic remittance expenditure generally refers to inter-bank fund collection. Fund aggregation is a centralized fund management function launched by China Construction Bank. It automatically transfers funds from CCB or other banks' bank accounts (associated accounts) to a designated central account according to the aggregation rules set by the user. After setting up, the transfer between the central account and the associated account can be continuously executed automatically. If the funds on the account are transferred to the central account according to the aggregation rules, the display on the account will be: "Electronic remittance expenditure".
There are not only electronic remittances but also electronic remittances. Electronic remittances refer to the remittance of funds through electronic remittance (telegraphic transfer). Electronic remittance income is recorded electronically using advanced computer information network technology. Electronic remittance is a method in which the remittance and remittance information is forwarded by the remittance and settlement department, and the deposit amount in the bank account or the amount of the house delivery is transferred to the current savings account of the bank designated by the other party's payee or a method of withdrawing cash.
The so-called fund pooling is a business in which a bank transfers all or part of the funds from one or more designated accounts to another designated account immediately or regularly according to the customer's agreement. Previously, this business was mainly targeted at enterprises and merchants to facilitate their collection of payments, but now more and more banks are extending it to personal business. At present, banks such as ICBC, Agricultural Bank of China, CITIC, China Merchants Bank, Minsheng and Hua Xia have launched this service.
Most banks' fund collection services are free, and the bank fees charged are also very low. They charge 2 yuan per month. If the term is longer, the fees are even lower. However, there is generally a limit on the amount of funds collected, and the collection limit for each transaction is 50,000 yuan.
The role of fund aggregation:
The fund aggregation function is based on the central bank’s super online banking and can be used to manage multiple accounts of the bank or other banks through the online banking of a certain bank. Unified management facilitates the collection of funds and improves use efficiency. It can help customers achieve centralized management of funds among multiple accounts. After the customer signs a contract to become a collector and specifies the method of fund collection, the funds in the associated account of the collector will be transferred to the customer's contracted account in accordance with the customer's requirements.