Adapt to the needs of old-age care and medical care in different places, and facilitate the use of cash by the people——
ATM inter-bank withdrawal fee will be reduced!
Although online payment is convenient, there is still a big demand for cash deposits and withdrawals anytime and anywhere.
A few days ago, the China Banking Association and the China Payment and Settlement Association jointly issued the "Proposal on Reducing the Cross-bank Cash Withdrawal Fees for Automated Teller Machines (ATM)" (hereinafter referred to as the "Proposal") to meet the needs of remote elderly care and medical care, and to facilitate the people Use of cash.
Specifically, the "Proposal" includes five specific content: First, reduce the handling fee for inter-bank cash withdrawal in the same city.
Encourage all banks and clearing institutions to appropriately reduce the handling fees of intra-city ATM inter-bank cash withdrawals, and the charging standard shall not exceed 3.5 yuan per transaction.
Among them, the card issuing bank halves the handling fee, and the charging standard does not exceed 0.2 yuan per transaction; the clearing institution halves the network service fee, and the charging standard does not exceed 0.3 yuan per transaction; the acquiring bank handling fee standard for the deployment of ATM machines remains unchanged, as 3 yuan per transaction.
The second is to reduce the handling fees of inter-bank cash withdrawals in different places.
Encourage the card issuing bank to no longer charge a certain percentage of the amount of withdrawals for variable fees.
The fixed fee standard of the inter-bank cash withdrawal fee for ATM in different places is the same as that of the same city business, and it does not exceed 3.5 yuan per transaction.
The third is to better serve the needs of specific financial consumers.
Banks are encouraged to learn from the good practices of their peers, combine their own business strategies to increase preferential efforts, and appropriately reduce or exempt the ATM inter-bank cash withdrawal fees for payroll cardholders, senior citizens, active military personnel and other financial consumers.
The fourth is to meet the ATM cash withdrawal service requirements.
Each bank shall combine the layout of ATM machines and business data, reasonably set and adjust machine parameters, treat customers of the bank and other banks fairly, and meet the normal cash usage needs of financial consumers.
Fifth, channels for consultation and complaints should be unblocked.
All banks should strictly follow the requirements of the "Commercial Bank Service Price Management Measures" to do a good job in the disclosure of information on the adjustment of ATM inter-bank cash withdrawal fees, customer notifications, and explanations to protect financial consumers' right to know.
Open channels for consultation and complaints, properly handle related complaints, and protect the legitimate rights and interests of financial consumers.
According to industry insiders, my country has 264 million people aged 60 and above, and 376 million inter-provincial and intra-provincial migrants.
The development of information technology and the integration of system management have further narrowed the business differences between the same city and different places.
These changes have put forward new requirements for cross-regional, cross-bank, and aging banking services, and it is imperative to reduce ATM cross-bank withdrawal fees.
Fang Yumin, who works in a foreign company in Zhengzhou, said: “Although online banking and electronic payment are very convenient now, they often travel on business and always need cash for emergencies. If there is no corresponding bank ATM around, it is still very inconvenient. Help the people save money!"
Wang Wenyan, a student of Capital Normal University, pays the school fees with the bank card prescribed by the school. In her opinion, if there is no corresponding ATM near the school, it is inconvenient to run a few kilometers with cash in a hurry, so you can only get it at the school's ATM interbank.
"Although you may not be able to withdraw cash several times in a semester, reducing the ATM inter-bank withdrawal fee is good news for our students after all!"
"I support ATM inter-bank withdrawals to reduce handling fees!" Due to female work reasons, Lin Xiang came to Beijing from her home county to take care of her grandson after retirement. She told the author that she is old and still used to spend in cash. "Proposal" Several measures in the book can indeed solve many of its own problems.
Reducing cross-bank cash withdrawal fees is also beneficial to merchants.
"Nowadays, most of the daily turnover comes from WeChat or Alipay collection, and transfer to a bank card account requires a handling fee. If you go to urban or provincial cities to purchase goods, when cash is needed, the ATM link A handling fee has to be paid.” Li Xuan, owner of Yunxuan car wash and beauty shop in Luliang City, Shanxi Province, said that for businessmen, handling fee is also money. Now that the handling fee has been reduced, I am naturally happy!
Li Guangzi, director of the Banking Research Office of the Institute of Finance of the Chinese Academy of Social Sciences, said that the "Proposal" and the "Notice on Reducing the Payment Fees for Small and Micro Enterprises and Individual Industrial and Commercial Households" issued on the same day by the People's Bank of China are in the same line and complement each other. It is aimed at individual consumers, and the latter is mainly aimed at small and micro enterprises and individual industrial and commercial households.
"my country currently has a large demand for ATM cash withdrawal in the same city and across provinces. Reducing the cross-bank cash withdrawal fee can better meet the needs of individual consumers. After the adjustment is implemented, the ATM cross-bank cash withdrawal fee has been significantly reduced, and the intra-city business has dropped. More than 10%, large-scale off-site business has dropped by more than 80%, which has a certain positive significance in reducing the financial burden of individual consumers." Li Guangzi said.
At present, a number of banks have issued relevant announcements, indicating that they are actively preparing for fee reduction and profit-making work to ensure that the fee reduction measures are implemented and benefit the people.
Wang Junling Li Xiaoshu