In the following ten years, with the deepening of economic system reform, the business boundaries of various professional banks were gradually broken, and several professional banks started various other financial businesses on the basis of "professional" business, gradually forming a situation with their own emphasis.
1993 65438 The promulgation of the State Council's Decision on Financial System Reform in February marked the basic formation of China's banking system. It mainly includes: the macro-control system of the central bank that independently implements monetary policy and the financial organization system with state-owned commercial banks as the main body and various financial institutions coexisting.
China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank are the four state-owned banks! So what are the similarities and differences between the functions of the websites of the four major state-owned banks?
Similarities between the websites of the four major banks:
1. It also has modules such as deposit business, settlement business and securities business system.
2. With the help of the "online banking" module, the Internet is used as the transmission medium to provide individual customers and corporate customers with financial services such as account inquiry, bank transaction, account status management, personalized customization and customer communication. Customers can handle inquiries, transfers and payments through online banking.
3. With the "customer service" module and simple and fast service platform, we can provide you with personalized and humanized comprehensive financial and self-help services, which will make you more free and handy when using online banking.
4. Have an "information retrieval system" to provide convenient and quick query service on the Internet. You can query according to classification and keywords, and you can also conduct full-text retrieval based on full-text content.
Support complex combination retrieval of arbitrary fields; Support Chinese and English mixed retrieval; Support intelligent fuzzy retrieval.
5. Use the "information publishing system" module, which is a website application program, to centrally manage some information that needs to be changed frequently on the webpage, such as news, new product release, industry trends, etc., classify the information through some * * * features, and finally systematize and standardize it to the website. The news information publishing system automatically publishes the selected information content according to the classification of the sections selected by users. The system can be used to build news content pages, automatically generate news links on the home page, generate historical news lists at the same time, provide the management interface of news pages, and automatically publish industry news. In addition, the news content page supports inserting pictures and web codes, freely setting news categories, and automatically displaying the information release time.
6. The "credit card" business integrates cash deposit and withdrawal, transfer settlement, shopping and consumption, collection and payment, local and foreign currency deposits, time demand deposits, call deposits, lump-sum deposits and withdrawals, bank-securities transfer, bank-securities exchange (A and B shares), open-end fund and national debt transactions, foreign exchange firm transactions, consumer loans and other functions, and is an ideal tool for personal comprehensive financial management. etc
The functions of online banking are different:
Industrial and Commercial Bank of China: 1. With the help of the "online shopping mall" module, a virtual shopping mall is established on the network, which avoids the tedious process of selecting goods and makes your shopping process easy, fast and convenient, which is very suitable for the fast-paced life of modern people. At the same time, it can effectively control the operating costs of "shopping malls" and open up new sales channels. 2. Have an "online donation" module to complete fund donation through online payment. 3. The online securities module can be used to buy and sell A shares and B shares in Shenzhen and Shanghai stock exchanges, as well as related transactions such as expenditure, subscription and redemption of funds and government bonds. This function not only has the rapidity of brokerage trading system, but also integrates banking services and securities services, realizing the integrated management of multi-account financial management for customers. 4. Through the "online foreign exchange market" module, you can participate in the global foreign exchange market transactions in real time, and you can also conduct various entrusted transactions (including stop loss, profit and two-way entrustment). At the same time, you can also query transaction details, exchange rates and various foreign exchange market information. 5. "Online insurance" module, developing insurance agency business and so on.
China Bank's "credit business" has all the rights to engage in RMB credit and foreign exchange credit business. Bank credit is an economic activity in which banks temporarily lend self-raised funds to enterprises and institutions and recover them at a certain interest within the agreed time.
Agricultural Bank of China: "Financial Supermarket" is a brand-new open one-stop financial service model which is market-oriented, customer-oriented and integrates financial products. "Financial Supermarket" module has greatly improved the efficiency of financial services, met the diversified financial needs of customers and won wide acclaim from customers. China Agricultural Bank "Financial Supermarket" strives to interpret the "customer-centered" business philosophy of China Agricultural Bank with its fully functional products, convenient and fast service, friendly business communication environment and elegant and harmonious boutique network image.