The business launched by China Post in 2001
Electronic remittance is a business launched by China Post on July 1, 2001. Relying on the postal comprehensive computer network, it integrates remittance transaction processing, fund settlement, accounting, and risk prevention into a multi-functional fast remittance service.
Basic Introduction Broadcast
China Post has handled remittance business for more than 100 years. In recent years, with the acceleration of financial informatization process and the continuous emergence of Financial innovation, horizontal competition is extremely fierce. The settlement business with bank card as the carrier has formed a great impact on postal remittance business. In this situation, China Post is actively responding, accelerating information construction, increasing efforts in new product development, and always adhering to customer value orientation to provide safe, fast, and convenient remittance services for urban and rural residents. At present, China Post has an average of over 200 million remittance customers every year, with an annual transaction amount stable at around 240 billion yuan.
Service Network Broadcast
The China Post remittance network is the largest individual remittance network in China. Postal electronic remittance has been fully accelerated by utilizing advanced computer networks to transmit remittance information. At present, the country has completed the construction of the backbone network of the postal electronic remittance system covering all cities and counties in the country, built a postal electronic remittance computer processing system connecting 31 provinces (autonomous regions, municipalities directly under the Central Government), 2468 counties and cities, and 30000 online outlets, and opened investment remittance, 24-hour postal electronic remittance, two-hour remittance, and real-time remittance services. 50000 remittance branches (including 30000 online branches) scattered throughout urban and rural areas across the country can handle postal remittance services.
Postal remittance, a deep network of love, has been passed down for a hundred years, and serves forever.
Business type announcement
Postal electronic remittance business can be divided into post office notification remittance and remitter self notification remittance according to the notification method of remittance information.
Post office notification remittance refers to the business where customers process remittance services at the post office, and the post office accepts the remittance commission from the remitter and notifies the recipient to withdraw the remittance by delivering a withdrawal notice.
Self notification of remittance refers to the post office accepting the remittance commission from the remitter after the customer completes the remittance business at the post office. Then, the remitter shall promptly inform the recipient of the remittance information and notify the recipient to withdraw the remittance at the online branch. Self notification remittance can be divided into 24-hour remittance, 2-hour remittance, and real-time remittance according to the remittance deadline.
Self notification remittance is a truly online electronic remittance business, which is implemented through universal remittance at the provincial intranet branch.
Postal remittance, new speed, new experience.
Tariff Explanation Broadcast
basic postal rates
Charge 1% of the remittance amount, with a minimum fee of 2 yuan and a maximum fee of 50 yuan per transaction. The maximum remittance amount limit for a single transaction is 50000 yuan.
1. Post Office Notification Remittance
Refers to the business where the post office, after accepting the remittance commission from the remitter, notifies the recipient to withdraw the remittance by presenting the withdrawal notice and valid ID documents.
Any postal remittance branch in the country can handle it.
The entire processing time limit is 2-5 days. Among them, it is generally 2-3 days in urban areas and 3-5 days in rural areas.
2. Self notification remittance
After the post office accepts the remittance commission from the remitter, the remitter will notify the recipient of the remittance information (remittance amount, bill number, and withdrawal password) to withdraw money at the local post office network branch with valid ID and withdrawal password.
Self notification of remittance to achieve inter provincial network branch transfer.
Remittance classification broadcast
According to the processing time limit, it is divided into:
(1) Real time remittance
Starting from the post office accepting your remittance business, the recipient can collect the remittance in 3-5 minutes. On top of the basic fee, an additional 10 yuan urgent service processing fee will be charged (during the promotional period from January 1 to February 28, 2005, only 5 yuan will be charged).
(2) 2-hour remittance
Since the post office accepts your remittance business, the recipient can collect the remittance within 2 hours. On top of the basic fee, an additional 5 yuan urgent business processing fee will be charged (during the promotion period from January 1 to February 28, 2005, only 3 yuan will be charged).
(3) 24-hour remittance
Since the post office accepts your remittance business, the recipient can receive the remittance 24 hours later (the next day). Charge at a rate of 1%, with a minimum of 2 yuan and a maximum of 50 yuan.
Featured Service Broadcast
Receipt business
The post office accepts the commission of the remitter when handling postal remittance services, and promptly notifies the remitter of the remittance redemption status after the recipient receives the remittance. Divided into:
Delivery receipt: Notify by delivering a receipt card.
Mobile SMS receipt: Notify by sending a mobile SMS to the reserved phone number of the remitter.
Etiquette remittance
In order to better meet the diverse needs of individual family remittances, birthday remittances, and festive remittances among urban and rural residents, China Post has launched a etiquette remittance service.
Notice announcement
Personal electronic remittance service is a settlement method in which the remitter transfers cash or savings deposits to a designated recipient in a different location through an electronic remittance system, and both the remitter and the recipient are individuals.
When processing personal electronic remittance, you only need to fill out the wire transfer voucher correctly at the bank's business outlet, pay a certain fee according to national standards, and the bank can transfer the funds to your designated remote personal settlement account according to your requirements. If you have not yet opened a personal settlement account with a banking institution, you should go to the nearest bank branch to handle it.
When handling electronic remittance business, when filling out the wire transfer voucher, it is necessary to strictly follow the voucher requirements, complete and accurately fill in the voucher elements. Please indicate the words "personal remittance" in the "remittance purpose" column, and "remittance amount in words" column must indicate "cash". If your remittance recipient does not have a bank account, you should indicate the words "left for collection" on the voucher.
If the incoming bank provided is unclear, or the recipient's name and account number are incorrect, as well as the recipient's account has been frozen, reported lost, or cancelled, it will result in the remittance being returned. The remittance voucher "customer receipt form" should be properly kept before the remittance is received, for the purpose of processing inquiries and refunds.
Other related announcements
Remittance services
In recent years, the structure of postal remittance business has shown obvious characteristics, namely the increasing number of remittances from cities to rural areas and from coastal areas to the mainland. Taking 2003 as an example, out of over 200 million remittances received by China Post, nearly 70% of the remittances were sent from cities to rural areas, with a total of 140 billion yuan flowing into rural areas. Among them, 80 billion yuan flowed into 12 western provinces, especially Sichuan Province, which reached 28.6 billion yuan. The amount of remittances sent to rural areas is relatively small, with the majority being 300-400 yuan, which is mainly the income of farmers working in cities. There are also remittances from urban residents supporting their parents and relatives, as well as a small amount of remittances from mail orders of agricultural products.
Rural postal remittances are not only related to the improvement of farmers' lives, but also to the development of agriculture and rural economy. Improving and improving the services of rural postal remittances is an important practice of the "Three Represents" ideology, a concrete manifestation of the Party Central Committee's "Three Rural" policies, and an objective requirement for the comprehensive construction of a moderately prosperous society. The National Postal Administration attaches great importance to the postal remittance work in rural areas. In recent years, it has increased the informatization construction of rural postal remittance networks, improved rural postal remittance services, increased the service time limit and quality of rural postal remittances, and played a positive role in promoting the implementation of the "three rural" policies.
Postal Remittance
China Post Remittance, a product with a long history and good reputation, is entering the market with a brand new image and approaching the Chinese people after comprehensive completion of information construction. Our goal is to implement a brand strategy in personal remittance, create first-class quality in service network, service methods, service products, and service quality, provide our customers with "fast, reliable, safe, and convenient" services, and achieve maximum customer value. More than 200 million postal remittance customers (about one sixth of China's population) are valuable customer resources for China Post. While handling traditional counter services, China Post will adapt to the constantly changing needs of the market and customers, driven by reform and innovation, and gradually provide customers with various forms of service channels including the Internet, mobile phones, telephones, etc., better meeting the market's demand for postal remittances and injecting new vitality into postal remittances for a century
