From "Easy Account Opening" to "Fee Reduction and Profit"
From openness and transparency to efficiency
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Changshan County Branch of the People's Bank of China
Continue to promote services such as easy account opening
Benefiting 4286 small and micro enterprises
Get a big wave of likes
Bank staff explain the simple account opening service to customers
"I used to hear that it took several trips to complete the account opening, but now I just need to move my finger, which is really too efficient!" A few days ago, Li Jie, head of Changshan Qianfei Trading Co., Ltd., said with emotion after completing the procedures for opening the basic deposit account of the enterprise.
It turned out that not long ago, Changshan Qianfei Trading Co., Ltd. went to Changshan Mintai Bank to apply for a basic deposit account for the enterprise due to business needs. After the bank introduced that the business can be handled through the mobile phone, without the need for customers to run repeatedly, Li Jie opened the mobile phone half-heartedly, paid attention to the WeChat public account of Changshan Mintai Bank, and made an appointment to open a basic account. Subsequently, two non-managed account managers of Changshan Mintai Bank visited the company to investigate the company's operation and scale. After confirming the relevant information, the account manager remotely verified the willingness of the legal representative of the enterprise to open an account, and quickly opened the basic deposit account of the enterprise.
The bank's relationship manager visited the site
In recent years, the Changshan County Branch of the People's Bank of China has continued to promote simple account opening services, comprehensively optimized the account opening process, improved the efficiency of handling, encouraged banks to promote electronic channels for small and micro enterprise account opening appointments; promoted the "three openness" of account services, that is, service standards, processing time limits, and tariff standards are open and transparent, effectively improving the transparency of account opening services; guiding banks to take the initiative to reduce fees and profits, and promote better development of enterprises. Changshan Rural Commercial Bank and Changshan United Village and Township Bank under its jurisdiction have reduced account opening fees and transfer fees for small and micro enterprises by nearly 19,400 yuan, benefiting 4,286 small and micro enterprises.
How to operate a simple account opening?
What are the contents of the fee reduction and concession?
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How to open a simple account?
The simple account opening service for small and micro enterprises refers to the basic bank deposit account that the bank can upgrade the account function according to the customer's due diligence after reviewing the account opening documents of the small and micro enterprise in accordance with the regulations, simplifying the requirements of auxiliary supporting materials, opening the account function and matching the degree of customer identity verification and the risk level of the account. Can also provide an appointment function, customers can make an appointment by telephone processing time, the bank arranges the account manager to dock with the customer in advance, complete the due diligence before opening the account (such as door-to-door verification, account opening information collection, etc.), when the customer opens an account at the counter, you can directly open an account, and you can enable the account after opening the account, saving a lot of time.
What does the "fee reduction" drop?
The specific fee reduction includes four aspects -
(1) Reduce bank account service charges.
(2) Reduce the handling fee for RMB transfer and remittance.
(3) Cancel some of the bills business fees.
(4) Reduce the bank card swipe fee.
Among the above measures, the fee reduction period of the bill business is long-term, and the preferential period of the remaining fee reduction measures is 3 years; the bill business and bank card swipe fee reduction object is all customers (merchants), and the remaining measures are small and micro enterprises and individual industrial and commercial households.
In the next step, the Changshan County Branch of the People's Bank of China will continue to guide banks to further standardize services, professionalize replies, and standardize transparency, so as to optimize small incisions in account services, drive financial assistance to enterprises to benefit greatly, and continue to enhance the people's satisfaction and sense of access to bank account services.
Correspondent: Ding Yao
Editor: Li Lingqian