Taking China Construction Bank as an example, this paper explains the general process of opening online banking and downloading certificates. Before opening online banking of China Construction Bank, you must have an account of China Construction Bank. So are other banks. Log on to the website of China Construction Bank. Click "Login to Online Banking" in the upper left corner of the webpage; A new page will automatically appear. Click to open the online banking service in the upper right corner of the page. Read the online banking personal customer service agreement and click agree. Then fill in the online banking application form. After the submission is completed, the online banking business will be opened. E-cert applications are generally handled in banks. Then log in to the online bank to download the installation certificate. After installation, you can easily enjoy the convenience and convenience of online banking.
So what can I do to open an online bank? Due to different banks, the functions of natural online banking are different. Let's take several domestic banks as examples to briefly introduce the functions of online banking.
The online banking of Agricultural Bank of China provides different functions for individual registered customers, enterprise registered customers, group registered customers and corporate customers.
I. Functions provided by the online banking system for individual registered customers:
1, account balance inquiry 2, account details inquiry
3, account password modification 4, online temporary loss reporting
5. Internal redeployment 6. Payment transfer
7. Online payment (telephone, mobile phone, etc. )
8. At the same time, it provides convenient online transaction inquiry, online payment inquiry, payee information management and real-time help information on the transaction interface.
In addition, ABC will continue to offer bank-securities transfer, online remittance, online pledge loan, bank-securities link (bank card stock trading), foreign exchange firm trading, open-end fund and national debt trading.
Two. Functions provided by online banking system for registered customers of enterprises:
1, query:
Account balance query, account details query, statement query, transaction rejection query, check status query, loan account query, online banking transaction flow query.
2. Transfer:
Internal transfer and external payment transfer between registered accounts
3. Powerful management functions of enterprise administrators:
Operator information setting, operator account relationship setting, operator transfer quota setting, operator historical transaction query, payee information management, authorization online maintenance, operator authority query, etc.
Three. Functions provided by online banking system for registered customers of group enterprises:
In addition to all the functions of registered corporate clients, corporate clients of a group can enjoy the following group financial services after being authorized by subsidiaries at different levels:
1. Query the balance of subsidiary account 2. Transfer funds from subsidiary accounts
3. Allocate funds to subsidiaries. Allocate funds internally among subsidiaries.
5. Pay externally with the subsidiary account.
Bank of China online banking is divided into personal online banking and corporate online banking.
The functions of personal online banking are as follows
1. Account information inquiry 2. Personal account transfer. Pay on behalf of 4. Personal account management. Investment service
Personal online banking of China Bank provides you with 1. Foreign exchange treasure, 2. Bank-securities transfer, 3. Yinzhengtong, 4. Self-service investment services such as open-end funds.
Bank of China Personal Online Banking provides you with a package of services related to credit cards.
1. Consulting Services 2. Credit card repayment. Report the loss of credit card. Online payment
Information service 1. Interest rate information II. Foreign exchange information. Market quotation 4. Network organization layout 5. Other services.
Financial calculator 7. Change the password of online banking 8. Update personal data
Enterprise online banking, also known as Bank of China online banking, has the following specific functions.
"BOC Online" is committed to providing a secure and stable financial management platform based on the Internet for group enterprise customers. On the basis of automatic online processing of online banking and back-office business systems, BOC Online provides customers with real-time and efficient financial management, centralized fund management and cash management services covering the whole country for 24 hours.
Remittance instant messenger II. Customs declaration of instant messenger III. Public account inquiry. Overseas account management. Customer service.
The online banking of China Construction Bank is divided into personal online banking and enterprise online banking.
The functions of enterprise online banking are:
1, account inquiry function 2, account transaction function 3, financial management function 4, IC card management
The functions of personal online banking are as follows
Account management-including account setting, balance/details inquiry, real-time transfer in the province, online express remittance and oral account loss reporting.
Payment service-You can apply for mobile and Unicom telephone payment service online without signing a contract at the counter.
Securities business-cooperate with more than 30 brokers to provide securities deposit transfer services.
Foreign exchange transactions-can handle real-time, entrusted transactions and foreign exchange transactions inquiries.
Online payment-provide online shopping service with cooperative merchants.
ICBC online banking is divided into personal online banking and corporate online banking.
The functions of enterprise online banking are as follows
Account management
(2) Collection business
(3) Payment business
1, online remittance 2, e-commerce 3, foreign exchange remittance
(1) Group fund transfer (2)B-share fund settlement (3) domestic foreign exchange remittance.
(d) group financing
(5) Letter of credit business
(6) Loan business
(7) Investment and financial management
1, fund
(1) fund trading business (2) fund inquiry business
2. National debt
3. Agreement deposit
4. Notice deposit
(8) VIP room
1, accounting reminder
2. Appointment service
(1) collection appointment (2) payment appointment (3) ticket inspection appointment (4) special appointment
3. Automatic collection
4. Corporate Finance Office
(9) correspondent bank
1. Sign the bill on behalf of others. 2. Exchange on behalf of others.
(10) customer service
1, homepage customization 2, related downloads 3, customer information
Step 4 help
5. Certificate management
The functions of personal online banking are as follows
Brief introduction of "Finance @ Home" business
Welcome to "Finance @ Home" personal online banking, which is a new generation of personal online banking integrating banking, investment and wealth management. With more than 60 functions in 12 category, it can meet various financial service needs of customers at different levels and provide you with highly secure and personalized services. Including:
1.24 hours unlimited number of arbitrary transfer and remittance;
2. Hardware encryption of high security intelligent chip (USBKey);
3. Flexible and convenient payment;
4. Professional foreign exchange, securities and insurance information and trading services;
5. Notification of accounting, finance and other information