At present, the maximum amount of electronic remittance is tentatively set at 5,000 yuan, and the postal remittance fee is charged at 1% of the remittance amount, with a minimum of RMB per transaction, and the remittance fee is exempted during the national promotion of electronic remittance. At the end of last year 1 1, China State Post Bureau and Alibaba Group signed an e-commerce strategic cooperation framework agreement, and the two sides will reach a comprehensive and long-term strategic partnership in e-commerce information flow, capital flow and logistics. "Electronic Remittance", as one of the cooperative projects in the capital flow, is a service jointly launched by China Post and Alipay Company * * *, aiming at breaking through the restriction that users must pay online based on online banking, and reducing the threshold for public participation in e-commerce and the danger of direct remittance offline.
The relevant person in charge of Alipay said: "Online remittance e is an important measure for us to meet the online consumption needs of users without online banking. The launch of this business has changed the dependence of online consumption on bank cards and online banking. Alipay accounts can be recharged without bank cards, realizing online consumption. "
From the staff of postal remittance outlets, users can directly handle online remittance electronic business at the postal counter with cash or green card, and reserve a password at the counter. Users can recharge their Alipay accounts in real time and participate in online shopping and consumption as long as they fill in the draft number and reserved password on Alipay website. The staff made an analogy. "The voucher for Internet remittance E is similar to a mobile phone recharge card, with remittance number and reserved password, but the card password and amount of this' recharge card' are decided by the user himself." At the same time, the staff also stressed that "electronic remittance business is to recharge cash through postal remittance networking outlets, which effectively solves the inconvenience caused by online banking transaction limits to large online payments."
"Because there is no online banking, online shopping used to ask friends to help pay and then give friends cash. Now I can recharge my Alipay account at the postal outlets, and online consumption is very convenient and reassuring. " During the pilot period, Mr. Zhang, a citizen of Hangzhou who used e-commerce, told reporters.
According to the investigation report of online banking in China in 2006 from China Financial Certification Center (CFCA), more than 60% netizens are worried about the security of online banking accounts and dare not use online banking for consumption. The relevant person in charge of Alipay told the reporter that compared with online banking, because "online remittance e" does not require users to input bank cards and passwords, the security of user account funds has been effectively improved.
In addition, compared with online shopping through offline remittance, "online remittance e" has the advantages of real-time arrival and Alipay guarantee service. Generally, it takes 1-2 days for offline remittance to arrive, and the payee needs to come to the postal savings office with the receipt. At the same time, because the transaction funds are directly received, there is no third-party payment platform for credit guarantee, and the interests of buyers cannot be effectively guaranteed.
Alipay related people especially remind users that the "Internet Exchange E" voucher is the only voucher for the recharge of Alipay account. Please keep the remittance number and password properly, and log on to Alipay website as soon as possible to recharge your account after remittance.
According to the latest statistics of China Internet Network Information Center (CNNIC), by the end of 2006, the number of netizens in China had reached 654.38+37 billion, accounting for 6543.8+00.5% of the total population. Previous data in 2006 showed that there were about 30 million netizens who shopped frequently, accounting for 26% of the total number of netizens, an increase of 50% over the same period in 2005. This shows the good potential and prospect of this new shopping method. The popularity of e-commerce in the whole country undoubtedly lowered the threshold of online shopping and further promoted its development.