2012 China Banking Industry - Top ten trends and outlook(10)

supporting functions such as selection of seats and purchase of movie theater tickets from nearly one hundred upscale cinemas across China, purchase of airline tickets and lottery tickets, cardless withdrawal of cash, and cell phone number account transfer, which highlights several convenient features of mobile banking and meets everyday payment needs customers in a highly efficient way.42 Industrial and Commercial Bank of China In April 2011, Industrial and Commercial Bank of China introduced the iPhone mobile banking user client, and subsequently introduced the same for the Android system. In November, the bank officially introduced the“Industrial and Commercial Bank Mobile Banking” service nationwide, and became the first domestic commercial bank to fully integrate and introduce mobile financial services. Now, the“Industrial and Commercial Bank Mobile Banking” encompasses a series of mobile financial products such as text-message mobile banking, WAP mobile banking, iPhone mobile banking, Android mobile banking and iPad personal online banking of Industrial and Commercial Bank of China. The mobile banking platform provides customers with financial services such as account inquiries, transfers and remittances, payments, precious metals purchases and seals, financial management products and foreign exchange settlement and sales, to fully meet customer demand for mobile financial services. Industrial and Commercial Bank Mobile Banking provides a multitude of investment financial management services, including funds, national bonds, foreign exchange, precious metals, financial management and third-party trust products. As of the end of October 2011, the number of mobile banking customers of Industrial and Commercial Bank of China exceeded 40 million.

Bank of China

Bank of Communications

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Wind Blows and Water Ripples— Mobile Banking of Bank of China in This Year, March 15, 2011, /200 532455152/6/caijingjujiao/2011/0315/188577.html. Huang Ting, China Construction Bank Will Continue to Promote Mobile Banking Business with Great Efforts Next Year, Securities Times, November 28, 2011, http:// /2011-1128/135734671.html. Mobile Banking Cardless Life Concept of Bank of Communications Becomes A Bright Spot at“Finance Expo”, China Economy Network, November 3, 2011, http://bank.zgjrw. com/News/2011113/bankchina/526847242100.shtml.

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2012 China Banking Industry - Top ten trends and outlook

Bank Shanghai Pudong Development Bank

中国的手机银行将逐步迈入移动金融服务时代。 2012年，移动金融业务将成为银行业的一大 Detailed Overview of Mobile Banking Products and Points of Innovation手机银行逐步完成了从简单业务办理到复杂业

In March 2010, China Mobile purchased shares of Shanghai Pudong Development Bank, which opened a务办理，从标准化业务办理到个性化业务办理中小企业业务上的应用前景广阔。与个人手机 new chapter for the mobile services of Shangh

ai Pudong Development Bank. Shanghai Pudong Development的转变。目前，包括中国工商银行、招商银行银行业务相比，企业手机银行的发展较晚，相 Bank introduced mobile banking services for individual customers in 2009 and in 2010, the value of mobile等在内推出的手机银行中均实现了转账汇款的应的功能还在不断的完善中。企业客户的客户 banking transactions of Shanghai Pudong Development Bank价值高、需求大成为发展企业手机银行的动力， exceeded 6 billion yuan.43“Cell Phone Number远程支付功能，同时还进行了创新，如农行的漫游汇款无需收款人账号即可完成汇款。此外，尤其是中小企业更是占到银行客户的很大比 Remittance” is an innovative business. At the end of November 2011, Shanghai Pudong Development Bank also introduced the business mobile户端实现缴费功能，部分商业银行如招商银行业客户办理账户查询、支付结算、投融资等相 banking, and provided business enterprise clients with mobile关金融业务的服务。企业可以充分利用这种移 banking WAP services and user client services for和交通银行，依托手机支付开展了手机充值、 the机票购买等电子商务业务。同时，银行在兼业 systems. Currently, the number of business customers iPhone, iPad, Android, Symbian and Windows Mobile动网络来降低营运成本，提高工作效率。企业 for online banking at Shanghai Pudong Development Bank is手机银行实现业务移动授权和信息瞬时传递， about 180,000.44代理方面具有十分明显的优势。银行在兼业代依托远程支付功能，用户可以利用手机银行客例。企业手机银行面对的客户群是企业，为企

看点。我们认为手机银行在企业业务，尤其是

全面迎合企业移动化办公的发展趋势，为企业及用户粘性较高，随着手机银行的渠道作用显财务运作开启精益化管理模式。 Mobile banking in China现，将在保险代理和理财产品销售的优势转移 for small and medium enterprise business. is easing into the era of mobile particularly我们预测，偏远地区人群是移动金融服务庞大 financial services. Mobile到移动互联网端，实现了保险、基金、外汇、 banking has moved beyond In comparison with personal mobile banking, enterprise贵金属等理财功能。的潜在用户。目前，各家银行开通的移动金融 simple to more complex business transactions. Currently, mobile banking is relatively late to develop, and服务基本针对城市人群，而与城市相比，农村 all mobile banking services at banks such as Industrial corresponding functionality is constantly being improved.中国政府对移动金融在政策上给予了支持和引地区的银行网点和 ATM机覆盖少、网上银行 and Commercial Bank of导，移动金融市场秩序日益规范，移动

金融发 customer value and large demand of business China and China Merchants The high应用落后、金融服务缺乏，反而更加大了农村 Bank offer remote payment functionality for transfers customers地区对移动金融服务的需求。另一方面，移展的法律环境正在不断改善。其中银监会颁布 have provided the catalyst for business的《电子银行业务管理办法》和《电子银行安动金融也使得银行建设农村网点的成本大大降 and remittances. In addition, the Agricultural Bank mobile banking initiatives, particularly for small and低，因此成本偏高的地区也适宜推广移动金融全评估指引》将手机银行业务、个人数字辅助enterprises. Business mobile banking functions of China offers roam …… 此处隐藏：5393字，全部文档内容请下载后查看。喜欢就下载吧 ……