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Over the past few years, banks have vigorously promoted ETC as an important business. However, banks seem to have waned recently in promoting ETC. Does this mean that banks are no longer willing to apply for ETC? This is not the case, and we need to understand the issue more deeply.
In the past, the bank's promotion of ETC was like a teacher pushing students to learn, with a strong sense of task, bank employees must complete daily task indicators, which brought them great motivation. For example, some large state-owned banks have thousands of task indicators to complete every year, which makes bank employees do whatever it takes to promote ETC. For them, every user who successfully handles ETC is a victory, and this passion drives them forward.
The policy also supports the bank's ETC promotion. In 2019, the National Development and Reform Commission and the Ministry of Transport issued a policy document on ETC, allowing ETC to be tied to bank accounts and payment accounts, and supporting commercial banks to promote the issuance of ETC. Banks see the opportunity presented by ETC not only to make stable long-term profits, but also to launch other financial products related to ETC.
However, today, the ETC market is quite saturated, and most car owners have already applied for ETC. There are more than 200 million ETC users nationwide, and the average usage rate is more than 70%, which means that the penetration rate of ETC is already quite high. For car owners who are still reluctant to apply for ETC, the bank's aggressive promotion is clearly no longer effective and may even be seen as harassment.
One of the reasons why banks are no longer promoting ETC as aggressively as before is the equipment issue. Sometimes, banks do tell customers that there is insufficient equipment, which is not false. Hubei Economic Vision once reported that a citizen was told that he could not apply for ETC at multiple banks because the banks lacked equipment. Therefore, the bank's argument is not entirely unreasonable.
In addition, bank employees are unable to solve some problems in the use of ETC, which also causes headaches for banks. As a result, some banks have temporarily frozen ETC operations. Unlike convenience stores, if there is a problem with ETC, the bank often cannot solve it in time, which will make customers feel troubled.
So, how should you handle ETC today? You don't have to go to the bank specifically, and online channels are just as convenient. For example, apps like Alipay and WeChat can easily help you complete an ETC process in just a few minutes. In addition, the owner should also pay attention to the issue of checking the liquidated damages, so as not to incur additional costs when the ETC is cancelled without reaching the agreed period.
In general, banks have become less motivated to promote ETC because the market is basically saturated. However, despite the change in the attitude of banks, car owners still have multiple ways to conveniently apply for ETC to suit their needs.
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