WeChat cash charge urgent, the bank free power big – Sohu financial management-truffe

WeChat charges cash, "emergency", the bank free power big – Sohu financial February 15th, in the WeChat wallet "help center" appeared in a notice. Notice that, since March 1st this year, WeChat to pay fees to transfer cash change fees, fees for each specific program: ID card account the amount of free life is only 1000 yuan, more than 1000 yuan each part will be in accordance with the 0.1% of the amount of cash to collect fees, each at least 0.1 charge related stock movements yuan. One stone stirs up waves. In recent days, the number of banks with "free mobile banking" has continued to increase, and some investment companies have also taken the opportunity to join the "rush off" ranks. So, covering 600 million users, only during the Spring Festival (New Year’s Eve to fifth) will have 516 million people to use the red envelope function of the WeChat platform in the near future to pay fees for why the frequency "banner"? WeChat gives the reason is that the personal user’s WeChat change charge is not WeChat’s pursuit of revenue move, but for the payment of bank fees charged. The reason for charging the bank in charge of the current payment also makes the bank feel aggrieved by the continuous reduction of the charging items according to the regulatory requirements. At present, the number of banks in cooperation with WeChat is around 20, with the exception of 5 large banks, the major joint-stock banks and city commercial banks are among them. Insiders said, "responsibility in the bank" spread very wide. The head of a bank credit card center told reporters, bank service charges are the focus of attention of social and individual users, so these two days, they are also active to the customer stressed that their mobile banking transfer fee is free. Reporters also noted that, in some banks, individual customers in the enjoyment of the above free financial services at the same time, and even get rewards. For example, BOC recently announced that during the period from February 8th to July 31st, the first 1500 clients of any channel trading through personal online banking and mobile banking can receive a certain amount of calls. What is more intriguing is that, on the second day of WeChat’s announcement of cash charges, some large banks announced that it will officially launch the policy of free transfer and remittance of all mobile phones in February 22nd. According to the reporter, before this, including China Merchants Bank, Societe Generale Bank and other joint-stock banks, as well as Jiangsu, Shanghai and other places City commercial banks have announced free online transfers. Even the big banks, which have just announced free initiatives, have started to transfer free targets in most areas as early as 2015. For the above free initiatives, the bank analysis, this is mainly to better meet the needs of the customer’s financial services, the implementation of national inclusive financial policy purposes. At the same time, he also revealed that the next step is to launch more Internet products, to provide customers with more convenient, affordable, intelligent financial services. To be sure, the bank online payment free is not a temporary move. "It’s not just a response to the third party payment agency." Related industry insiders told reporters, "nearly two years, the network.

微信提现收费“急” 银行免费力度大-搜狐理财   2月15日,在微信钱包的“帮助中心”中出现一则公告。公告称,从今年3月1日起,微信支付的转账功能收取手续费改为零钱提现收取手续费,具体收费方案为:每个身份证账户终身仅有1000元的免费额度,超过1000元的部分将按照每笔提现金额的0.1%收取手续费,每笔至少收取0.1 相关公司股票走势 元。   一石激起千层浪。近几日,声明“手机银行全免费”的银行数量在持续增加,部分投资理财公司也借机加入“抢客”行列,宣传投资高收益理财产品可轻松赚回提现手续费。   那么,覆盖6亿名用户,仅春节期间(除夕到初五)便有5.16亿人使用红包功能的微信平台为何在近期频举支付收费“大旗”?   微信方面给出的理由是,个人用户的微信零钱提取收费并非微信支付追求的营收之举,而是用于支付银行收取的手续费。提现收费“责在银行”的理由,也令本已按监管要求不断减免各项收费项目的银行倍感委屈。   从目前来看,与微信合作的银行数量在20家左右,除5家大型银行外,全国主要的股份制银行、城商行均在其中。有业内人士表示,“责在银行”波及面甚广。   某银行机构信用卡中心负责人向记者透露,银行服务收费是社会及个人用户关注的焦点,所以这两天他们也在主动向客户强调,其手机银行转账手续费是全免的。   记者也注意到,在部分银行,个人客户在享受上述免费金融服务的同时,甚至还能获得奖励。   例如,中行近期就宣布,在2月8日至7月31日期间,通过个人网银、手机银行中任意一个渠道交易的前1500名客户均可获赠一定数额的话费。   更耐人寻味的是,就在微信发布提现收费通知的第二天,部分大型银行宣布,将于2月22日正式推出手机转账汇款全免费政策。而据记者了解,在此之前,包括招商银行、兴业银行等在内的股份制银行以及江苏、上海等地的城商行已经宣布网上转账免费。而即便是刚刚宣布推出免费举措的大型银行,也早在2015年就开始实现在大部分地区转账免费的目标。   对于上述免费举措,有关银行人士分析,这主要出于更好地满足客户的金融服务需求、落实国家普惠金融政策的目的。同时他也透露,下一步的计划是推出更多的互联网产品,为客户提供更便民、实惠、智慧的金融服务。   可以肯定的是,银行网上支付免费并非一时之举。“这并不仅仅是对第三方支付机构提现收费的回应。”相关业内人士向记者表示,“近两年,网络金融风生水起,已经成为银行业新的业务增长点,各大银行也展开了一场没有硝烟的市场争夺战。”   科技的发展正逐步改变着传统金融业务的处理模式,也为金融业引入了新的竞争主体。尤其是在移动互联时代,金融业正在经历着深刻变革。记者从某家大型银行了解到,目前该行电子银行和自助渠道交易量占比达94.3%,意味着仅有5.7%的交易在线下完成。上述负责人解释说,“网上支付免费属于 顺势而为 。银行通过这一手段,达到引导客户消费行为、降低经营成本、争取更多客户资源等目的。”   此次事件的焦点集中在微信收费原因上。相关业内人士向记者表示,提现是资金从第三方支付机构即微信划转至银行,为维护系统运营,银行是要收取一定费用的。   曾有媒体报道称,交易量的大幅增加会产生巨额手续费,而这令微信不堪重负,进而转嫁给个人用户。   数据显示,早在2013年,第三方支付交易规模便已超过10万亿元,占支付交易总规模近50%,其中余额宝更是仅用半年多时间就达到5000多亿元规模。而近年来,互联网金融用户迅速增多及体量迅猛膨胀更令人印象深刻。   “作为主要的第三方支付机构,微信与银行关系密切,在多项业务上均有合作,在手续费的收取上应有很大的议价空间,成本负担应有限。”某业内人士分析认为。   目前,我国开展互联网金融业务的主体主要有第三方支付机构、电商和网络运营商等,开展的业务主要有支付、转账、货币基金理财、网贷、虚拟信用卡等。一些业内人士判断,考虑到微信在行业中的地位,提现收费的实施或意味着免费时代的结束。   那么是否还存在免费的方法?网上已有用户总结出无需支付手续费的窍门:把零钱中的钱先转入理财通,再从理财通中提现至银行卡。但记者经尝试发现,提现时,钱依然进入的是零钱账户,提取依然需要支付手续费。相关的主题文章: