In order to realize customers' expectation for the functions of bank cards and provide customers with better, faster and more comprehensive financial services, China Construction Bank upgraded the functions of its original product "Dragon Card Savings Card" in an all-round way, and integrated it with the original financial card silver card to launch a comprehensive debit card product-"Dragon Cartoon" for customers.
function
On the basis of traditional bank card functions such as transfer, consumption, cash deposit and withdrawal, payment, collection and payment, CCB Longka has added more value-added functions such as one-card multi-account account, investment and wealth management and other wealth management signing services.
1. Integrated management of one account and many accounts: In addition to current and fixed deposit accounts in RMB, USD, HKD, Japanese yen, Euro and GBP, other accounts of customers' own construction bank can also be linked with Dragon Cartoon to make overall arrangements for funds.
2. Contract financing and automatic transfer: You can choose a variety of automatic transfer services, such as changing from current account to current account, changing from current account to fixed account, changing from current account to regular account, changing from notice to current account, voucher-based automatic transfer of treasury bonds due, signing automatic remittance, etc. The bank will automatically dispatch funds for customers according to their contracts.
3. Convenient and flexible collection and payment on behalf of customers: Dragon Cartoon can be used as a payroll account, and can also be used to withhold and remit related expenses, thus avoiding the trouble of customers withdrawing cash and paying cash.
4. Investment and wealth management, value preservation and appreciation: Through Dragon Cartoon, customers can handle a series of investment and wealth management businesses such as foreign exchange trading, voucher-type government bonds, funds, bank-securities transfer and customer margin service. It is a good helper to get higher income in financial management.
5. Wide channels and convenient card use: In addition to counter transactions, customers can also use Dragon Cartoon to conduct transactions in special merchants and self-service devices (such as ATM, CDM ATM and self-service terminals). ), telephone banking, online banking and other channels to experience the fun of using the card anytime and anywhere.
6. Overseas transactions, general: UnionPay Dragon Card (formerly Dragon Card Savings Card) can realize overseas cash withdrawal and consumption through UnionPay network; VISA or MasterCard can not only use UnionPay network, but also spend money by swiping cards in merchants with VISA or MasterCard logo in more than 200 countries and regions around the world, and withdraw local currency from ATM machines, making overseas travel more convenient and unique. Customers can also apply to China Construction Bank for automatic foreign exchange purchase and RMB deposit.
7. Convenient bid, automatic upgrade: Longka cartoon is convenient to bid, which can be handled by all branches of CCB. The original dragon card savings card does not need to be changed, and it is automatically upgraded to a dragon card cartoon.
Four species
According to the brand of bank card, CCB Dragon Card can be divided into transfer, consumption, cash deposit and withdrawal, payment and collection and payment.
Tall pass
"Clearing Pass" is a special bank card specially built by CCB for individual industrial and commercial customers. It not only has basic functions such as cash deposit and withdrawal, transfer and remittance, consumption, but also has powerful payment and settlement functions such as automatic deduction, package payment, batch transfer, associated signing, and transaction fund custody. It is an ideal fund settlement system platform for individual industrial and commercial customers. "Clearing Pass is applicable to customers and logistics enterprises with large capital settlement and frequent transactions. Both parties who make the first transaction in business can also clear the business funds and goods through the transaction fund custody function of the settlement card. "
Customs clearance has the following characteristics.
Charge discount. Provide remittance packages, and customers can choose different packages. In order to give back to our customers, CCB has recently launched an unprecedented special discount for clearing: clearing customers can sign up for 3000 free experience packages a year, enjoy the discount of CCB card and the discount of national transfer and remittance fee.
Flexible payment. In the past, the charging mode of banks was usually "whoever remits money pays the handling fee". The general rules of settlement break through the limitation of traditional charging mode, and customers can choose the payee's payment method according to their needs, making payment more flexible. If the payer is your long-term partner, you need to pay the remittance fee in advance. You can set the opposite account as an associated account and set it as the payee. In addition, you can also set up a one-time payee to pay the handling fee for any transferred CCB customer (excluding laymen's accounts).
Trading fund custody. This business supports banks to provide credit guarantees and facilitate the completion of transactions under the circumstances of mutual ignorance and distrust. For example, if a buyer buys a batch of goods, he may not be sure of the seller's reputation, and the seller may not trust the buyer. Through the fund custody transaction, the buyer first puts the money into the intermediate account of CCB, and the seller can safely deliver the goods. After the buyer receives the goods and is satisfied with the inspection, he will confirm the payment after issuing the instruction, taking the reputation of CCB as the guarantee to protect the rights and interests of both buyers and sellers.
Easy to operate. The system can automatically deduct the money to the designated account at the fixed time agreed by the customer, or transfer the related account in batches.
I. Product name: settlement card
Two. Product definition: In order to meet the fund settlement needs of individual customers, China Construction Bank provides a series of safe, convenient and fast RMB fund settlement services for individual customers with settlement cards as the carrier.
Third, product style: settlement card
Fourth, product function.
To provide you with "practical, convenient, affordable, safe, convenient, thoughtful and proficient" all-round settlement service functions.
Practical-comprehensive settlement function
Provide you with a variety of transfer and remittance methods, such as person-to-person transfer, person-to-person transfer, batch transfer, automatic reservation transfer and so on. , fully meet your fund settlement needs.
Provide convenient multi-channel services
Inquiries, transfers and other transactions can be handled through CCB outlets, online banking, mobile banking, telephone banking and self-service equipment, which is very convenient. Trading fund custody business can be applied in business outlets, online banking, mobile banking and other channels.
Affordable package service and grade discount
By signing the contract, you can choose more favorable package services such as "time+amount" or "time+transaction times" according to your needs, saving you every penny. Using online banking, mobile banking, telephone banking and self-service equipment to handle business will enjoy more benefits. If no package is set, the single settlement fee will be given corresponding discount according to the customer level.
Security-custody of transaction funds
Maximize credit constraints, control the credit risks of both parties to the transaction, standardize commodity trading and settlement procedures, and realize the liquidation of money and goods of both parties to the transaction.
Convenient-a more simplified settlement process
You can set your trading partner as an associated customer, and it is very convenient to transfer money through online banking without inputting information when dealing with transfer and remittance transactions with associated customers.
Considerate-emergency fund overdraft
According to your credit situation, we will provide you with emergency fund overdraft service, which can be recycled within the emergency quota.
Proficient-transaction information management
Realize rich information management functions such as basic information, associated account information, transaction details, quota level inquiry, package service, etc.
Compared with personal business, unit settlement business has become an important part of the work of financial personnel in many units because of printing inspection and other reasons, which consumes a lot of energy. How to make enterprise settlement business more convenient and efficient, and meet the safe, convenient and fast financial service needs of enterprises as much as possible? With strong scientific and technological strength, China Construction Bank innovatively launched the corporate settlement business product-"Yudao" RMB settlement card, which achieved a major breakthrough in the corporate settlement business model.
"Yudao" company settlement card is suitable for all companies, institutions and small and medium-sized enterprise customers, especially for small and medium-sized enterprises, individual industrial and commercial households with more demand for holiday settlement and large and medium-sized customers with more demand for group fund control and channel collection and payment business. The card has no card threshold, and is open to all CCB outlets and all ATM self-service terminals in China, which breaks through the problem that the company's business is limited by the bank's business hours, and takes the lead in realizing "the company's business is closed and the service is intimate for 7×24 hours".
In the past, when the company handled the transfer business, the customer not only had to fill in the check, but also the bank had to check the seal. If you want to withdraw cash, you need to check the seal of the corporate settlement service personnel before you can queue up at the window to withdraw cash. Now you just need to hold the card and enter the password, which can be completed within one minute.