Relying on the leading online banking platform in China, China Industrial and Commercial Bank recently launched a comprehensive cross-border wealth management service, which provides a perfect solution for people who often travel at home and abroad to manage financial assets and handle financial business across borders.
First of all, online banking can easily manage domestic accounts and freely transfer funds overseas. Online banking has the characteristics of transcending time and geographical restrictions. Although you are abroad, you can easily query, monitor and download account information such as fund balance and occurrence details of all domestic accounts, which makes account management handy. ICBC's online banking provides transfer functions, such as changing demand into fixed term, changing fixed term into demand, and changing demand into notice deposit. At the same time, it also provides the function of remittance and transfer in different places, and customers can transfer money freely according to their own needs.
Secondly, online banking provides foreign payment services, and provides various domestic payment services and remittance services for people who stay abroad for a long time or a short time. For customers who go abroad for a short time, they can pay all kinds of daily expenses such as domestic telephone, water and electricity anytime and anywhere to avoid the use problems caused by arrears. For overseas customers who have mortgage loans, car loans and other consumer loans in Chinese mainland, they can use online banking to voluntarily repay their loans to avoid default.
Third, online banking can easily realize online repayment after shopping at home and abroad. After the international card uses foreign currency for shopping in consumption abroad or online, no matter where you are and when you want to repay, you can repay in RMB through the international card repayment function of online banking. If you use an international credit card, you can also enjoy an interest-free discount of 25 to 56 days for overdraft consumption. Customers can also choose to shop in domestic online stores, pay online, and entrust stores to deliver goods to their doors. It is understood that the C2C transaction volume in China reached 654.38+03.5 billion yuan last year, and the total amount of e-commerce products reached 65 million pieces, which can meet the shopping demand to a great extent.
Finally, it is extremely easy to use ICBC's online banking to invest in domestic securities. Although you are abroad, you can still easily control domestic securities, government bonds, funds and other transactions. Personal online banking can provide domestic A-share and B-share stock trading, and handle subscription, subscription and redemption of domestic funds, subscription and secondary trading of book-entry treasury bonds. Of course, the same is true of foreign exchange transactions. Through the online foreign exchange market, you can handle real-time foreign exchange transactions and entrusted transactions at any time, and you can also inquire about transaction details, exchange rates and foreign exchange market information. Online banking also provides overseas remittance service of self-owned foreign exchange funds within the limits stipulated by foreign exchange management, and provides real-time inquiry and download of personal foreign exchange remittance details of online banking.
It is reported that ICBC online banking, as the largest online banking provider in China, can provide customers with direct online registration and bid for ICBC online banking services. The procedure is very simple. However, experts still advise customers to apply for U shield at ICBC after arriving in China, so that the payment transaction is safer. By the end of 2005, the number of individual customers of ICBC's online banking has reached14.85 million.