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“沉睡”银行卡被清理,互银联合发卡大势所趋?

来源: 南方日报网络版     时间: 2019年02月20日 06:43:09
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意彩娱乐平台登录_彩票开户信誉平台官方,招龙虎和代理注册实力诚招代理Q扣992.77.339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站“沉睡”银行卡被清理,互银联合发卡大势所趋?

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(原)(标)(题)(:“沉)(睡)(”银)(行)(卡)(被)(清)(理)(,互)(银)(联)(合)(发)(卡)(大)(势)(所)(趋)(?
港)(股)(解)(码)(,香)(港)(财)(华)(社)(王)(牌)(专)(栏)(,20年)(专)(注)(港)(股)(,金)(融)(名)(家)(齐)(聚)(,做)(最)(有)(深)(度)(的)(原)(创)(财)(经)(号)(。看)(完)(记)(得)(订)(阅)(、评)(论)(、点)(赞)(哦)(。
■文)(|张)(欣)(然)(,香)(港)(财)(华)(社)(财)(经)(编)(辑)(。
“沉)(睡)(”银)(行)(卡)(或)(将)(被)(销)(户)(:各)(大)(银)(行)(陆)(续)(启)(动)(执)(行)(,总)(量)(20多)(亿)(张)(
近)(日)(,招)(商)(银)(行)(公)(告)(显)(示)(,为)(了)(保)(护)(账)(户)(安)(全)(,将)(从)(今)(年)(7月)(15日)(开)(始)(,对)(不)(符)(合)(条)(件)(的)(长)(期)(未)(使)(用)(且)(余)(额)(为)(零)(的)(个)(人)(账)(户)(进)(行)(销)(户)(处)(理)(。
而)(实)(际)(上)(,笔)(者)(查)(阅)(多)(家)(银)(行)(公)(告)(,去)(年)(底)(,建)(行)(、民)(生)(、浦)(发)(、平)(安)(等)(多)(家)(银)(行)(已)(发)(布)(类)(似)(公)(告)(。
根)(据)(中)(国)(银)(行)(业)(协)(会)(数)(据)(,截)(至)(2016年)(底)(,银)(行)(卡)(累)(计)(发)(卡)(量)(达)(到)(了)(63.7亿)(张)(,按)(照)(2016年)(末)(内)(地)(总)(人)(口)(13.8亿)(人)(计)(算)(,每)(人)(持)(有)(的)(银)(行)(卡)(数)(量)(将)(近)(5张)(,而)(累)(计)(活)(卡)(量)(只)(有)(41.8亿)(张)(,也)(就)(是)(说)(,每)(人)(持)(有)(的)(“沉)(睡)(卡)(”基)(本)(达)(到)(2张)(。
去)(年)(9月)(底)(,央)(行)(曾)(发)(布)(通)(知)(要)(求)(银)(行)(清)(理)(半)(年)(内)(无)(交)(易)(记)(录)(的)(账)(户)(。除)(了)(大)(量)(闲)(置)(不)(用)(的)(账)(户)(存)(在)(的)(现)(象)(以)(外)(,有)(不)(法)(分)(子)(也)(常)(以)(一)(个)(身)(份)(证)(在)(同)(家)(银)(行)(开)(多)(个)(账)(户)(进)(行)(新)(型)(电)(信)(诈)(骗)(。
可)(以)(预)(见)(,总)(量)(多)(达)(20多)(亿)(张)(的)(沉)(睡)(卡)(将)(得)(到)(有)(效)(的)(清)(理)(,或)(被)(暂)(停)(使)(用)(或)(被)(降)(低)(账)(户)(类)(别)(。
而)(在)(各)(大)(银)(行)(一)(边)(在)(注)(销)(“沉)(睡)(卡)(”的)(同)(时)(,四)(大)(行)(正)(在)(联)(手)(互)(联)(网)(巨)(头)(开)(展)(合)(作)(,其)(中)(也)(包)(括)(开)(卡)(、电)(子)(支)(付)(合)(作)(、打)(通)(信)(用)(体)(系)(。
曾)(经)(,银)(行)(客)(户)(经)(理)(的)(业)(务)(指)(标)(之)(一)(是)(单)(纯)(的)(开)(设)(本)(行)(的)(储)(蓄)(卡)(或)(信)(用)(卡)(,现)(在)(恐)(怕)(在)(形)(式)(上)(要)(出)(现)(不)(少)(变)(化)(,比)(如)(联)(合)(发)(行)(的)(银)(行)(卡)(或)(将)(越)(来)(越)(多)(。
四)(大)(行)(联)(手)(互)(联)(网)(巨)(头)(释)(放)(智)(能)(银)(行)(信)(号)(!
6月)(16日)(,京)(东)(宣)(布)(和)(工)(行)(签)(署)(金)(融)(业)(务)(合)(作)(框)(架)(协)(议)(,6月)(20日)(,百)(度)(和)(农)(行)(也)(宣)(布)(牵)(手)(。而)(在)(今)(年)(3月)(28日)(,阿)(里)(巴)(巴)(集)(团)(、蚂)(蚁)(金)(服)(集)(团)(就)(曾)(经)(和)(中)(国)(建)(设)(银)(行)(签)(署)(了)(三)(方)(战)(略)(合)(作)(协)(议)(。如)(今)(,又)(一)(家)(互)(联)(网)(巨)(头)(与)(银)(行)(巨)(头)(联)(姻)(,6月)(22日)(,中)(行)(官)(网)(公)(布)(与)(腾)(讯)(合)(作)(成)(立)(“中)(国)(银)(行)(——腾)(讯)(金)(融)(科)(技)(联)(合)(实)(验)(室)(”。
3月)(28日)(,中)(国)(建)(设)(银)(行)(与)(阿)(里)(巴)(巴)(、蚂)(蚁)(金)(服)(宣)(布)(战)(略)(合)(作)(。按)(照)(协)(议)(,双)(方)(将)(共)(同)(推)(进)(建)(行)(信)(用)(卡)(线)(上)(开)(卡)(业)(务)(,以)(及)(线)(下)(线)(上)(渠)(道)(业)(务)(合)(作)(、电)(子)(支)(付)(业)(务)(合)(作)(、打)(通)(信)(用)(体)(系)(。
据)(了)(解)(,双)(方)(在)(当)(日)(曾)(确)(立)(5项)(共)(识)(:1、入)(驻)(支)(付)(宝)(:支)(付)(宝)(上)(将)(可)(直)(接)(购)(买)(建)(行)(理)(财)(产)(品)(;2、开)(通)(财)(富)(号)(:建)(行)(将)(通)(过)(蚂)(蚁)(金)(服)(的)(技)(术)(能)(力)(,提)(供)(个)(性)(化)(、定)(制)(化)(产)(品)(和)(服)(务)(;3、线)(上)(开)(卡)(:马)(云)(将)(协)(助)(建)(设)(银)(行)(推)(进)(信)(用)(卡)(线)(上)(开)(卡)(业)(务)(;4、互)(认)(互)(扫)(:建)(行)(和)(支)(付)(宝)(的)(二)(维)(码)(可)(以)(互)(相)(扫)(描)(;5、打)(通)(信)(用)(:信)(用)(等)(于)(财)(富)(。
有)(评)(价)(称)(,银)(行)(也)(许)(将)(发)(生)(巨)(变)(,ATM不)(再)(是)(取)(钱)(的)(ATM、网)(点)(也)(不)(再)(是)(传)(统)(的)(网)(点)(,可)(能)(成)(为)(京)(东)(的)(物)(流)(点)(、支)(付)(宝)(的)(创)(新)(体)(验)(站)(。
从)(互)(联)(网)(金)(融)(“颠)(覆)(”银)(行)(的)(雄)(心)(,到)(银)(行)(纷)(纷)(建)(立)(自)(己)(的)(网)(络)(银)(行)(来)(回)(击)(,四)(大)(行)(的)(转)(变)(,或)(预)(示)(着)(中)(国)(银)(行)(业)(开)(始)(大)(转)(型)(,银)(行)(卡)(或)(将)(越)(来)(越)(互)(联)(网)(化)(。这)(或)(许)(也)(是)(大)(量)(“沉)(睡)(的)(”、过)(时)(的)(传)(统)(银)(行)(卡)(急)(需)(清)(理)(的)(重)(要)(原)(因)(。
银)(行)(躺)(着)(赚)(钱)(的)(日)(子)(结)(束)(了)(联)(手)(互)(联)(网)(可)(以)(逆)(转)(形)(势)(吗)(?
随)(着)(互)(联)(网)(金)(融)(的)(快)(速)(崛)(起)(,从)(去)(年)(开)(始)(,工)(、农)(、中)(、建)(四)(大)(行)(盈)(利)(能)(力)(大)(幅)(下)(降)(,创)(下)(史)(无)(前)(例)(的)(10年)(最)(差)(成)(绩)(。
银)(行)(躺)(着)(赚)(钱)(的)(日)(子)(结)(束)(了)(。而)(创)(新)(乏)(力)(的)(大)(型)(银)(行)(调)(转)(船)(头)(与)(时)(时)(创)(新)(的)(互)(联)(网)(金)(融)(巨)(头)(合)(作)(,真)(的)(可)(以)(逆)(转)(形)(势)(吗)(?
笔)(者)(认)(为)(,在)(互)(银)(合)(作)(的)(过)(程)(中)(,客)(户)(、数)(据)(是)(最)(核)(心)(的)(,也)(是)(可)(转)(移)(的)(资)(产)(;其)(他)(的)(像)(场)(景)(、资)(金)(都)(是)(不)(可)(转)(移)(的)(。因)(此)(,评)(估)(合)(作)(效)(果)(的)(关)(键)(是)(得)(到)(或)(共)(享)(多)(少)(新)(的)(客)(户)(数)(据)(。
银)(行)(在)(核)(心)(系)(统)(、风)(控)(、业)(务)(的)(合)(规)(性)(等)(方)(面)(的)(能)(力)(远)(胜)(于)(互)(联)(网)(公)(司)(;而)(互)(联)(网)(公)(司)(在)(服)(务)(用)(户)(方)(面)(又)(胜)(过)(银)(行)(。双)(方)(捆)(绑)(在)(一)(起)(,互)(相)(推)(进)(,打)(通)(线)(上)(线)(下)(的)(场)(景)(,这)(样)(带)(来)(更)(好)(的)(用)(户)(体)(验)(,从)(这)(个)(角)(度)(说)(,所)(带)(来)(的)(客)(户)(数)(据)(会)(更)(多)(,也)(就)(是)(说)(共)(享)(的)(蛋)(糕)(做)(大)(了)(,这)(种)(合)(作)(比)(互)(联)(网)(金)(融)(“颠)(覆)(”银)(行)(的)(观)(念)(更)(加)(高)(效)(可)(行)(。
■编)(辑)(|徐)(冰)(莹)(,财)(华)(社)(财)(经)(编)(辑)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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