The 2011 Summer Davos Forum was held in Dalian from September 14th to 16th. The theme of this forum is "focus on the quality of growth and control the economic structure." On September 15, Ma Weihua, the president of China Merchants Bank, told the China Electronic Banking Network at Davos that banks and third-party payments could cooperate and win.
Ma Weihua said that China Merchants Bank has already carried out cooperation with third-party payment. At this stage, consumers' demand for payment is becoming more and more diversified. Third-party payment is a supplement or a partner of the bank. He believes that third-party payment is a development trend, especially for small and medium-sized organizations.
When talking about the security of e-banking, Ma Weihua said, "In a market-oriented environment, this risk must be always available, or associated, without risk-free matters. Low-risk income.†He told China Electronic Banking Network that the security of the bank in the field of e-banking is controllable at this stage, and there is not much problem.
In response to the problem of banking fees, Ma Weihua believes that the banking industry must act in accordance with the regulations. It is not possible to charge fees, but because the bank is a service industry, it also needs labor compensation and value compensation, so the fees stipulated in the system are reasonable.
The following is an interview with China Electronic Banking Network: What do you think about the relationship between third party payments and banks?
Ma Weihua: Third-party payment is a trend. It has developed rapidly in recent years. The annual growth rate is 100%, and one trillion has broken through. We welcome such a form. It has a meaning with a supplement to the bank or a partner. In the past, bank payments were dominated by the world. Is it better to have one more partner now? Because the demand for social payments is now more diverse, it is very meaningful to have third-party payments. Online payment is a very important thing for many people to shop online, especially for small and medium-sized organizations.
China Electronic Banking Network: Does your bank now have specific and third-party payment specific cooperation measures?
Ma Weihua: Yes, we have worked with a lot. Because third-party payments themselves have a willingness to cooperate with bank payments.
China Electronic Banking Network: How do you feel about the first half of China Merchants Bank's performance?
Ma Weihua: The performance is very good, not bad.
China Electronic Banking Network: What expectations do you have in other areas in the second half of the year?
Ma Weihua: Let's continue to work hard in the second half of the year.
China Electronic Banking Network: What do you think of the current bank charges?
Ma Weihua: Do things according to the rules. The annual report has been published, which are interest income, which are investment income, and those are non-interest income. Non-interest income, I think there should be no problem, how can there be arbitrary charges? Bank charges must first be handled in accordance with the relevant system, and can not be charged indiscriminately. This is the first point. Not all charges are arbitrary charges, because banks are service industries, they also need costs, and they also need labor compensation and value compensation. Therefore, the fees stipulated in the system should be reasonable.
For example, the insurance issued by our agent and the issuing fund of the agent have a handling fee because there is also labor. This is all reasonable. But you can't charge it. You can't say that there is no system or you don't have a contract. If you don't have any quality, then there is no charge.
China Electronic Banking Network: What do you think about the security of e-banking now?
Ma Weihua: The problem is not big.
China Electronic Banking Network: Because there are many phishing websites or something.
Ma Weihua: In a market-oriented environment, this risk is definitely at any time, or it is accompanied by, there is no risk-free thing, you try to prevent it, increase the cost of prevention, and finally get a benefit in the case of risk reduction. .
Ma Weihua said that China Merchants Bank has already carried out cooperation with third-party payment. At this stage, consumers' demand for payment is becoming more and more diversified. Third-party payment is a supplement or a partner of the bank. He believes that third-party payment is a development trend, especially for small and medium-sized organizations.
When talking about the security of e-banking, Ma Weihua said, "In a market-oriented environment, this risk must be always available, or associated, without risk-free matters. Low-risk income.†He told China Electronic Banking Network that the security of the bank in the field of e-banking is controllable at this stage, and there is not much problem.
In response to the problem of banking fees, Ma Weihua believes that the banking industry must act in accordance with the regulations. It is not possible to charge fees, but because the bank is a service industry, it also needs labor compensation and value compensation, so the fees stipulated in the system are reasonable.
The following is an interview with China Electronic Banking Network: What do you think about the relationship between third party payments and banks?
Ma Weihua: Third-party payment is a trend. It has developed rapidly in recent years. The annual growth rate is 100%, and one trillion has broken through. We welcome such a form. It has a meaning with a supplement to the bank or a partner. In the past, bank payments were dominated by the world. Is it better to have one more partner now? Because the demand for social payments is now more diverse, it is very meaningful to have third-party payments. Online payment is a very important thing for many people to shop online, especially for small and medium-sized organizations.
China Electronic Banking Network: Does your bank now have specific and third-party payment specific cooperation measures?
Ma Weihua: Yes, we have worked with a lot. Because third-party payments themselves have a willingness to cooperate with bank payments.
China Electronic Banking Network: How do you feel about the first half of China Merchants Bank's performance?
Ma Weihua: The performance is very good, not bad.
China Electronic Banking Network: What expectations do you have in other areas in the second half of the year?
Ma Weihua: Let's continue to work hard in the second half of the year.
China Electronic Banking Network: What do you think of the current bank charges?
Ma Weihua: Do things according to the rules. The annual report has been published, which are interest income, which are investment income, and those are non-interest income. Non-interest income, I think there should be no problem, how can there be arbitrary charges? Bank charges must first be handled in accordance with the relevant system, and can not be charged indiscriminately. This is the first point. Not all charges are arbitrary charges, because banks are service industries, they also need costs, and they also need labor compensation and value compensation. Therefore, the fees stipulated in the system should be reasonable.
For example, the insurance issued by our agent and the issuing fund of the agent have a handling fee because there is also labor. This is all reasonable. But you can't charge it. You can't say that there is no system or you don't have a contract. If you don't have any quality, then there is no charge.
China Electronic Banking Network: What do you think about the security of e-banking now?
Ma Weihua: The problem is not big.
China Electronic Banking Network: Because there are many phishing websites or something.
Ma Weihua: In a market-oriented environment, this risk is definitely at any time, or it is accompanied by, there is no risk-free thing, you try to prevent it, increase the cost of prevention, and finally get a benefit in the case of risk reduction. .
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