·Service Features
·Functions Overview
·Requirements before Application
·Service Channels
·How to Apply
Personal Internet Banking Service Professional Edition is a personal on-line banking and fund management software developed by China Merchants Bank based on Internet. It is built on a strict client identity verification system. It issues a certificate to client on application, and verifies their certificates before doing transactions.
As a bankcard holder of CMB, you may avail yourself of Personal Internet Banking Service Professional Edition to manage your funds and enjoy all-around fund management services.
We have been constantly improving our Professional Edition according to your increasing demand. With the latest version (4.2), you will be able to have file verification certificate or digital verification certificate to access the services.
"Mobile Digital Certificate" brings you a new experience of "bank by your side, fund management by your heart."
Service Features
·Safe and Reliable
Highly rigorous X.509 digital certification standard adopted in the service and the service has passed the State Safety Certification test. With digital signature technology and powerfully encrypted telecommunication channels, the system ensures the safety of clients' identity and their passwords.
·Powerful
Managing all your bank cards issued by CMB, which facilitates the fund management of yours and your family's; customized functions and prompts to match your preeminence; rich functions for fund management make it a competent personal assistant for you; various on-line personal banking services to satisfy your requirements.
·Convenient and Fast
Around-the-clock on-line service of China Merchants Bank is subjected to no limit in time and space; as soon as you switch on your computer, account information with every detailed transactions is presented to you; no need to designate an account number in advance for inter-city and intra-city remittance, enabling convenient and fast fund transfer; fast and convenient payment for your on-line nationwide shopping.
·Easy Installation
The Professional Edition adopts intellectual software installation wizard. A client only needs to apply at any banking offices of China Merchants Bank, come to the Bank's website, and click "Log in Personal Internet Banking (Professional Edition)," then follow the system prompts to finish the installation of the Professional Edition.
·Rich Information Sources
The Professional Edition provides information about interest rates, and foreign exchange rates, backed up by detailed function description, user's guide, help information, and demo programs to help you understand all its functions.
Function Overview
1. Certificate Management Functions, including:
·Certificate updating, certificate backup, certificate inquiry, undo bankcard binding
2. System Administration Functions, including:
·Changing password
·Log-in record
·Configuration display
3. Banking Service Functions:
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Payment Scheduling
You may set in advance a payment schedule, designating a certain date to pay a certain amount to a designated account. The system will automatically execute your instruction and effect the payment on the exact time. |
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Agenda Reminder
You may set in advance something that you need to be reminded of, such as your daily business and your creditor's right or liabilities, and the system will send you reminders to your designated email box when the time comes. |
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Financial Analysis
The system automatically collects information about your income and expenditure in your accounts with China Merchants Bank, and provides an analysis on your financial status; you may also add in information about your accounts in the other banks to have a complete financial analysis of your financial status. In addition, you may configure your own requirements to generate various type of financial statements. |
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Customized Services
You may customize your own express channel; create your personal web page, to manage your funds in an easier and more efficient way. The system will accordingly provide customized information according to your accounts and securities. |
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Account Information Inquiry Service
Including: accounts information, transactions, on-line payment record and On-line Payment Card number. |
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Transfer, Remittance, Fee payment Services
It includes transferring fund between current savings account and fixed deposit account, inter-city transfer and intra-city transfer, batch transfer, transfer record inquiry, beneficiary information editing, Internet payment Card transfer, All-in-one-card self-help fee payment, applications for All-in-one-card functions (referring to Internet payment Card, All-in-one-card Internet payment, All-in-one-card fee payment, All-in-one-card transfer and remittance, foreign exchange trading, and Shenzhouxing mobile phone top-up). |
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Report of Loss and Changing Password
They include reporting of lost All-in-one-card, changing All-in-one-card inquiry password and withdrawal password, changing Internet payment Card password. |
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Self-service Loan Application Services
They include loan application, period extension, change of loan, repayment, loan inquiry, and credit line inquiry. |
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Internet payment Service
Pay your on-line shopping and consumption, set your up limit for payment. |
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Foreign Exchange Trading Service
They include foreign exchange rates inquiry, exchange rates setting, transfer into and out your trading account, trade orderings, conversion between fixed and current deposits, revoking orders, inquiry of trading account balance and transaction record. |
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Government Bonds Investment
Inquiry of government bonds information, purchase and advance encashment of government bonds. |
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Securities Service
Including transfer between accounts with bank and securities company, Bank-Securities Express |