17.52 Million “Owners” Have Lived in the E-Bank Family of CCB

With the acceleration of modern social life and working pace, the convenient and rapid e-banking is getting increasingly popular among consumers. At the end of this February, 17.52 million owners have lived in the E-bank family of China Construction Bank, 4.5 times of that in the same period of last year. The transaction volume reached RMB 936.9 billion with 41.48 million transactions conducted, 2 times of that in the same period of last year.

The E-banking is a service method via the electronic media. With the rapid development of information technology, the E-bank can offer all banking services except of cash service. Comparing to the traditional manual service, it enjoys two advantages: any time and any place, convenient and fast. Through the self-help service, the bank can offer services beyond the normal working hours of business offices. The staffs on duty in the client service center can offer 24-hour manual service.

China Construction Bank has created a relatively integrated E-banking system, including the mobile banking, 95533 client service center, the on-line banking and the VIP service system.

The mobile banking and 95533 client service center are emerging e-banking businesses of China Construction Bank. Up to this February, 11.83 million clients have been served by 95533 client service center and 450 thousand clients have opened accounts in the mobile banks, 4.7 and 1.7 times of that in the same period of last year.

The on-line banking and the VIP service system are the two major services and traditional competitive services of CCB’s E-banking. The on-line banking V3.0 characterized by “easy to use, practicality and closeness to clients” can offer such special services as account inquiry, transfer, payment, private foreign exchange transaction, rapid on-line remittance, bond and fund. The client can apply for and use these on-line financial services at any time. By the end of February, the number of on-line banking clients of China Construction Bank reached 5.24 million, 4.8 times of that in the same period of last year. On-line Payment gradually becomes a highlight of on-line banking business. The on-line payment transactions in February amounted to 330 thousand, 3 times of the average monthly payment volume of last year. The on-line payment volume reached RMB 28.05 million, 3.8 times of the average monthly payment of last year.

The VIP service system is an information platform offered to VIPs of China Construction Bank. This system, in essence, is to move the bank business to the terminals of clients, allow them to share resources of offices, networks and services of CCB, and interactively deal with local fund transfer and transfer between different places and service as well as account inquiry in real time. It realizes the goal of “one point access to all services of CCB”. Presently there are 350 clients who have joined the VIP service system.

“The E-banking represents the development orientation of commercial banks and its popularization and application level has become a symbol for social development.” At present, the domestic E-banking products and services are in a transitional period from market introduction to growth and domestic commercial banks are at a crucial stage to cultivate market and develop the high-quality clients.

Standing at the forefront of market development, China Construction Bank is accelerating the efforts to establish a rapid market response system, introduce new products and offer the best E-banking service.