Self-service banking is the result of financial innovation carried out by commercial banks in recent years to meet customers' financial needs. With the help of modern self-service equipment, it provides customers with convenient and efficient financial services, which is a part of the electronization and automation of bank counter business processing. Related? Self-service bank? There are many names at home and abroad: Unmanned bank? ，? Electronic banking? ，? Self-help financial center? Wait, because? Unmanned bank? Some semantics are not very appropriate, so we think it is called? Self-service bank? More appropriate. Simply put,? Self-service bank? It refers to a banking institution that provides self-service for bank customers by means of science and technology.
1. Self-service banking equipment:
Self-service banking equipment generally includes: automatic deposit and withdrawal machines, automatic deposit machines, automatic teller machines, multimedia information inquiry systems, automatic safe deposit boxes and night vaults. In addition, there are automatic foreign currency exchange machines, automatic passbook printers, IC card deposit machines, telephone banking self-service financial services, money counters, money detectors and so on.
2. Functions of self-service banking equipment
The ATM is the most advanced ATM in the world at present, which integrates cash deposit and withdrawal, and can handle the payment business, which greatly facilitates customers; Automatic deposit machines provide deposit services. ATM provides services of withdrawing money, paying fees, checking balance and modifying passwords; The multimedia automatic terminal can introduce financial knowledge and banking information in an all-round way, and can query and print the historical transaction details of all accounts, pay various fees, handle inter-card transfer, intra-card transfer, foreign exchange trading, bank-securities transfer, pledge loan, national debt trading, reminder service, printing invoices, oral loss reporting and other services; The automatic safe deposit box provides self-service safe deposit box service, so that customers can access goods without time limit and without the company of bank personnel, and can also ensure customers' privacy; If you apply for the night vault business in advance, you can freely deposit cash or goods 24 hours a day.
Some of them are self-service in a broad sense, such as online banking, telephone banking, mobile banking and home banking.
online banking, known as "Internet banking", refers to an online service system in which banks set up bank websites through the internet platform to provide various financial services for banks. Function: It can not only realize traditional banking services such as online inquiry, transfer settlement, payment, remittance, loss reporting, consultation and complaint, but also develop new businesses such as passbook stock trading, personal foreign exchange firm trading, consumer credit and electronic letter of credit.
Telephone banking is a new banking service system that integrates advanced technologies such as computer, communication and multimedia. Customers can handle a variety of banking services without leaving home by telephone.
function: provide customers with self-service services such as account balance inquiry, information inquiry, password change, transfer and payment by telephone.
the English name of Mobile Banking Service is mobile banking service, which refers to a service system that connects customers' mobile phones to banks through mobile communication networks, so as to directly complete various financial services through the mobile phone interface. It is a brand-new service mode that combines electronic money with mobile communication services. Function: enable customers to realize financial services such as inquiry, loss reporting, transfer, payment, securities service, foreign exchange firm trading, financial secretary, etc. anytime and anywhere.
Home banking is based on the cable TV and video broadband network, with televisions and set-top boxes as customer terminals to realize networking and handle banking business. Compared with online banking, home banking is closer to the lives of ordinary people. Once it is opened, users can complete a number of banking businesses at home through TV sets, and learn about the latest financial information overseas, thus experiencing a more fashionable and convenient financial management method.
3. There is also a special self-service business? Self-help loan
If you are China Merchants Bank? One card? After signing an agreement with China Merchants Bank, customers can pledge their own local and foreign currency time savings deposits deposited in the card of China Merchants Bank, and apply for loans from China Merchants Bank through self-service devices such as telephone banking, online banking and self-service terminals, and can repay their loans through the above channels.
loan conditions
after the borrower applies to China Merchants Bank for opening the self-service loan function, he will use himself? One card? Two types of time deposits, lump-sum deposit and lump-sum withdrawal and interest withdrawal, apply to China Merchants Bank for pledge loans. At present, China Merchants Bank accepts time savings deposits in RMB, USD, HKD and JPY as pledges.
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