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The author:(作者)左published in(发表于) 2013/11/12 12:31:08 Free meal eaten： the Central Bank plans to Super Internet banking fees
Free meal eaten: the Central Bank plans to super-super online banking online banking charges-IT information Free meal eaten: the Central Bank plans to Super Internet banking fees
Popular with Internet banking user of real-time interbank transfers, account inquiries, Fund collection functionality depends on "Super online banking system." Domestic bank mobile banking transfers are free, thanks to the system is free of charge. Free surge in business caused by detrimental to maintain normal order in the payment services market, causing system faces a large business dealing with stress, and has contributed to handle exceptions, delay the large area.
"Super online banking" free meal may soon be over. Reporter learned yesterday, the Central Bank has given the Bank issued the payment and settlement divisions online payment interbank clearing system charging scheme (draft for soliciting opinions), develop a preliminary toll schemes. It is reported that Central Bank new generation payment system was born three years ago, the popular, busy, be overburdened, so central banks are considering charging for participating banks. But informed sources, the draft did not clearly specific programme.
"Super online banking" business over 2.23 million
Online payment interbank clearing system was built in the end of August 2010, run, dealing mainly with customers by launching online interbank payments (amounts less than 50,000) and account information inquiry service. On line early, in order to encourage participants to take full advantage of this system to conduct business, the Central Bank imposed on participants free of charge policy. Although this system does not directly serve the community Central Bank public, but because it makes the banks online banking connectivity, and is commonly referred to as "Super online banking."
At present, the popular online bank users real-time interbank transfers, account enquiries, Fund collection and other functions depends on the system. Domestic bank mobile banking transfers are free, thanks to the system is free of charge. Data from the Central Bank showed that after three years of operation, at present, there are 130 commercial banks corporate access, basic coverage of national commercial bank has opened an online business. August 2013, the system daily business five pens, 2.2337 million Yuan, up, 176.27%.
The Central Bank said the rate is for more rational use of
Insiders quoted beiqing reporter said, because this system is easy to use and free, many banks and even split a large amount of business how small amount of business through "Super online banking" in order to avoid fees. In this regard, yesterday, the Central Bank official said, "in order to guide participants to use this system to conduct business, there is a need to charge participants. ”
He explained that the free policy-induced surge in business was not conducive to maintain normal order in the payment services market, result in business processing systems face greater pressure, and in many cases causing the business to handle the exception, large area extended. At the same time, every business need each other to complete banking systems, the system is expensive, some banks to conduct business without enthusiasm, even man-made obstacles affecting the customer's normal business.
Exposure draft is not clear and specific fare system
Informed sources, the Central Bank has previously repeatedly through the Forum to seek views of commercial banks. According to the exposure draft, it is proposed to charge fees to the participants on January 1, 2014; and proposes the Bank start charging after 2 months, commercial banks currently free of charge shall not be adjusted to the customer's charges. Beiqing reporter noted that the Central Bank charges for soliciting opinions and there is no specific programme.
In this regard, yesterday, a commercial banking professionals told reporters that Super online banking is only charged to participating banks by business size a total cost is worked out the price per transaction, no final conclusions. This means that central banks after the final fee, the banks may not be passed on to consumers. Joint-stock commercial bank has always adopted a low-rate policy is likely to bear the full cost, continue to customers free of charge. But there will definitely be a Bank for cost reasons to pass on the cost to ordinary customers. If banks are charging for Super online banking standards, also a new competitive situation in the market.
免费大餐吃完了：央行计划对超级网银收费 - 超级网银 - IT资讯免费大餐吃完了：央行计划对超级网银收费
深受网银用户欢迎的实时跨行转账、跨行账户查询、资金归集等功能依赖于“超级网银”系统。而国内多家银行的手机银行转账都是免费进行，也归功于这一系统不收费。但免费策略引起的业务激增不利于维护正常的支付服务市场秩序，造成系统面临较大的业务处理压力，并多次导致业务处理异常，出现大面积延时。
“超级网银”的免费大餐或许很快就将结束了。记者昨天获悉，央行已给各银行下发了《支付结算司网上支付跨行清算系统业务收费方案(征求意见稿)》，制定了初步收费方案。据悉，央行新一代支付系统诞生三年多来，广受欢迎，业务繁忙，不胜重负，因此央行正在考虑对参与的银行收费。但相关知情人士透露，意见稿并没有明确具体收费方案。
“超级网银”日处理业务超223万笔
网上支付跨行清算系统于2010年8月底建成运行，主要处理客户通过在线方式发起的跨行支付(金额在5万元以下)和账户信息查询业务。上线初期，为鼓励参与者充分利用这一系统办理业务，央行对系统参与者实行免收费策略。虽然央行这一系统并不直接服务社会公众，但因为它把各家银行的网银联通起来，又被人们俗称为“超级网银”。
目前，深受网银用户欢迎的实时跨行转账、跨行账户查询、资金归集等功能依赖于这一系统。而国内多家银行的手机银行转账都是免费进行，也归功于这一系统不收费。来自央行的数据显示，经过三年多的运行，目前，共有130家商业银行法人接入，基本覆盖全国已开办网上业务的商业银行。2013年8月，系统日均处理业务223.37万笔、304.79亿元，同比增长176.27%、184.08%。
央行称收费是为了更合理利用
有业内人士向北青报记者透露，因为这一系统好用又免费，很多银行甚至将大金额业务拆分成多笔小金额业务通过“超级网银”处理以规避业务收费。就此，昨天，央行有关人士称，“为引导参与者合理利用这一系统办理业务，有必要向参与者收费。”
他介绍，免费策略引起的业务激增不利于维护正常的支付服务市场秩序，造成系统面临较大的业务处理压力，并多次导致业务处理异常，出现大面积延时。同时，由于发起每笔业务都需要对方银行的系统配合处理方可完成，系统开销较大，部分银行办理业务没有积极性，甚至人为设置障碍，影响了客户正常业务办理。
征求意见稿未明确具体收费办法
知情人士透露，央行此前已多次通过座谈会方式征求商业银行意见。根据征求意见稿，拟于2014年1月1日起向参与者收取费用；并拟规定央行开始收费后2个月内，目前免收费的商业银行不得调整向客户的收费标准。北青报记者注意到，央行这次的意见稿并没有具体明确的收费方案。
对此，昨天，有商业银行专业人士告诉记者，超级网银到底是只向参与的银行按业务量的规模收取一个总费用，还是制定出每笔交易的价格，都没有最后的定论。这意味着央行最终收费之后，银行也不一定都会转嫁给消费者。有些一向采取低收费策略的股份制商业银行很可能自己承担全部费用，继续对客户免费。但也肯定会有银行出于成本考虑将费用转嫁给普通客户。如果各银行对超级网银收费标准不一，也会在市场上形成新的竞争局面。
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