Differences between foreign and domestic electronic remittance systems

1.The main customers of the electronic exchange system are enterprises, followed by ** institutions, and the public uses less. Compared with the self-service banking system, the former is large and small, mainly facing enterprise units and departments; The latter is small and large, and is mainly for the public.

In foreign countries, the former is classified into the wholesale banking system, and the latter is classified into the retail banking system; In China, the former is classified as a large-value payment system and the latter as a small-value payment system.

The electronic exchange system has the following notable features: 1Large transaction volume, high risk The electronic exchange system handles large transaction amounts and therefore high risks.

In the case of the banking system, the proportion of crimes committed by criminals in the electronic remittance system is large, and the amount of money committed is the highest among all types of cases. 2.The security requirements for the system are higher than the timeliness requirements The amount of remittance through the electronic exchange system is large, and customers are most concerned about safety when sending money, followed by timely delivery.

Therefore, special attention should be paid to the security of the system, and the requirements for the system in terms of response time do not have to be as strict as in the retail banking system. For the security of the electronic exchange system, the information transmission should be stored first and then sent, so as to ensure that the information is accurately recorded at each station through which it is transmitted, so that in case of problems in the exchange business, the point of the accident can be quickly identified. 3.

Inter-bank and cross-border transactions account for a large proportion of the business of exchange processing huge amounts of international payments, inter-bank fund transfers, inter-bank exchanges, individual small exchanges, as well as various collections and payments. Among these businesses, with the development of international enterprises, the growth of multinational companies and the acceleration of the process of global economic integration, the proportion of inter-bank and cross-border transactions is increasing. Therefore, when designing an electronic exchange system, it should adapt to the various standards, specifications and requirements that are commonly used in the world.

4.Corporate Banking System The corporate banking system is a bank-to-business service system that connects the customer's computer terminal to the bank host through the Internet or other public information networks, and realizes the bank-to-business service system that delivers banking services directly to the customer's office, home or business trip, so that customers can enjoy the bank's services without leaving home. 5.

Its characteristic is to transform the traditional decentralized front-end network service into a centralized back-office service, reduce the pressure on the outlets, and can provide 24-hour ** service for enterprises, which is convenient for customers, not only to accept inquiries and transactions, but also to promote new financial products. 6.All operations are recorded in the computer, which is conducive to customer data analysis.

Provides a technical foundation and a customer base for the transition to e-commerce.

Foreign e-commerce is far less developed than in China, the reason is that there are many convenience stores near the door of foreign countries, and the tax is low and things are not expensive, so there is no need to buy online and delay time. On the contrary, in the Chinese market, the number of large supermarkets is still relatively small, and the small stores are expensive, and e-commerce is undoubtedly a good place to find cheap.

From the time the application is accepted at the counter, the remittance can be withdrawn after 2 minutes, and the postal enterprise is not responsible for delivering the withdrawal notice, and the remitter shall notify the payee to withdraw the money or handle the remittance into the account. For remittances notified by the remitter, the remitter must reserve the remittance withdrawal password. International electronic remittance refers to the remittance that can be sent to the electronic remittance center of the redeeming country within 24 hours from the time the application is accepted at the counter; After receiving the remittance information from the postal service of another country, the remittance can be reached within 24 hours.

It has completed the network construction of the exchange center of the State Bureau, 31 provincial exchange centers and 2,468 city and county exchange centers, and connected a certain number of electronic outlets. Basically have the conditions for canceling the transmission of physical bills of exchange above the city and county, realize the overall acceleration of postal exchange business, and launch cash-cash, 24-hour and 4-hour electronic remittance to the society; Secondly, it is necessary to consider docking with the postal savings computer system to open an account -- cash, cash--account, and account--account electronic exchange.

The electronic remittance system is an EFT system between banks, and it is the most important system in the electronic banking system because of the large amount of funds transferred.

The payment and settlement of funds of banks and companies, enterprises, departments and other financial institutions is different from the business for the public, it is a large-amount payment business, also known as batch business. According to Atlanta's Federal Reserve Bank, projects larger than $1,000 account for 5% of the total transaction value but 88% of the total transaction value processed by commercial banks. Therefore, this kind of large-value business is very important for banks.

Before banks went electronic, the payment mechanism for large-value transactions was mainly based on paper documents such as checks. This kind of manual payment mechanism based on paper vouchers is inefficient, risky, and has a lot of funds in transit, which can not meet the requirements of rapid economic development, so enterprises and banks began to develop and develop large-value payment systems based on network processing.

Large-value payment systems can process transactions of large amounts, and there is a certain guarantee of timeliness, accuracy and security of payments. It directly supports the operation of a country's currency and capital markets, and supports cross-border, multi-currency transactions. An electronic exchange system is a system for transferring funds between financial institutions, and it involves a large amount of money, which is a typical large-value payment system.

The electronic exchange system is an important application system of the postal integrated network, and it is also a subsystem of the postal electronic branch system. The system covers the whole country, the number of outlets is large, the level of operators is uneven, the business is busy, the State Post Office urgently needs a stable, reliable, safe, cost-effective, easy-to-use operating system platform.