民生银行(600016,股吧)推出小微手机银行

Minsheng bank(600016,Shares!)With small micro mobile phone bank

　　Q：民生银行所推出的小微手机银行有哪些针对小微企业客户的服务？ （北京市 孟苏）

Q:Minsheng bank launched the small micro - what are the mobile phone bank in view of the small micro enterprise customer service? (Beijing MengSu)

　　A：据悉，民生银行的小微手机银行既具有跨行账户管理、跨行资金归集、网点排号、手机号转账、转账汇款实时到账、投资理财等个人手机银行特色服务，又推出了公私账户集中管理、大额转账、二维码收付款、乐收银账户管理、小微贷款、回单验证等创新功能，为小微客户提供了丰富周到的移动金融服务。

A:It is reported,Minsheng bank of small micro phone bank has an inter-bank account management/An inter-bank funds to deal with/Node number/Mobile phone number transfer/Real-time transfer remittance to the account/Finance and investment, etc. Personal characteristics of mobile banking services,Centralized management and launched a public or private account/The large amount of transfer/Receiving and falsification/Le cashier account management/Small micro loan/Receipt validation and innovation functions,For small micro provide abundant thoughtful mobile financial services.

　　使用小微手机银行不但可以管理自己的个人账户，还可管理自己的对公账户以及非本人的他人账户。对公账户可在柜台办理授权签约，他人账户通过商户版网银和柜台均可进行授权，完成授权后即可将对公账户和他人账户添加到小微手机银行中，随时随地进行账户查询、转账。同时，民生小微手机银行提供大额转账服务，客户可通过网上银行设置大额转账的收款人，进行最高500万元的小微手机银行转账，能够很好地满足小微客户资金结算需求，更加便捷地进行生意结算。在小微手机银行中支持二维码收付，付款人使用小微手机银行二维码付款功能，可一键生成付款二维码；收款人扫一扫付款人提供的二维码，可实时收款到指定账户。

Use small micro phone bank can not only manage their own individual account,Still can manage their own public account, as well as non - my other account.Public account can be authorized in the counter signing,Other account through the merchant version of e-currency and counter can be authorized,After completion of authorized public accounts and other accounts can be added to the small micro cell phone in the bank,Account for anytime and anywhere/transfer.At the same time,People's livelihood small micro phone Banks offer large transfer service,Customers can through the bank on the net set up large amount of transfer of the payee,Highest 5 million yuan on the small micro phone bank transfer,Can be very good to satisfy the needs of small micro customers fund settlement,More convenient to business accounts.In the small micro phone support falsification receipt and payment in the bank,People use small micro mobile banking payment falsification payment function,Can be a key generation falsification of payment;The payee and a sweep falsification provided by the payer,Can be real-time collection to the specified account.

　　建行“善融商务”推电商新平台

The construction bank"Good financial business"Push the business new platform

　　Q：建行的“善融商务”可为电商带来哪些优势服务？ （上海市 顾海亮）

Q:The construction bank"Good financial business"What can bring to the business advantage? (Shanghai GuHaiLiang)

　　A：建行的“善融商务”包括企业商城和个人商城，该平台通过对电子商务“信息流、资金流、物流”的整合，将银行支付、融资和信用等业务进行了创新展现，再加上建行品牌背书，与其他电子商务平台相比具有明显优势。

A:The construction bank"Good financial business"Including the mall of the enterprise and the individuals mall,The platform based on electronic commerce"Information flow/Cash flow/logistics"The integration of,The bank to pay/Financing and credit business such as the innovation,Combined with construction bank brand endorsement,Compared with other e-commerce platform has obvious advantages.

　　据建行上海市分行介绍，“善融商务”的最大特点是给企业带来新的客户、新的采购商，从而提高销售业绩。目前，平台处在招商阶段，免租金、免佣金、免管理费，借记卡支付首年免费，同时该平台还将不定期推出系列优惠活动，直接让利给买家。对企业来说，可依托建行的品牌影响力和辐射力，进行自身品牌营销推广；其次，帮助企业发掘新客户群体，增加企业订单及交易量，提高企业盈利能力；另外，通过在线交易，可为企业积累网络信用记录，增强企业在建行上海市分行的融资授信评级，为企业日后的融资增加便利。

According to the Shanghai branch of China construction bank,"Good financial business"The biggest characteristic is to give enterprise to bring new clients/New buyers,So as to improve the sales performance.At present,,Platform in investment promotion stage,Free of rent/Free of commission/Free fee,Debit card to pay the first year for free,At the same time, the platform will not launch a series of preferential activities regularly,Direct benefits to the buyer.For the enterprise,Can be based on the construction bank's brand influence and radiation,On their own brand marketing promotion;The second,Help enterprises to find new customers,Increase the enterprise and volume of the order,Improve the enterprise profitability;In addition,Through the online trading,Can be accumulated for the enterprise network credit record,The enhancement enterprise in Shanghai branch of China construction bank financing credit rating,For enterprises to increase the financing of convenience in the future.

　　同时，“善融商务”的分期和融资是该平台的优势之一，但凡是大额消费品，都能够在线办理分期和融资业务。个人客户可以足不出户享受同等产品的优惠让利，还可在线办理账单分期、汽车消费贷款，享受真正的E动生活。

At the same time,"Good financial business"Staging and financing is one of the advantages of the platform,But that large amount of consumer goods,Can be online for staging and financing business.Individual customers can enjoy the same preferential benefits of the product,It can also be online billing for staging/Auto loan,Enjoy the real E dynamic life.

　　东亚新一季“易达盈”保本投资

A new season of east Asia"Easy to interference"Guaranteed investment

　　Q：东亚银行推出的“易达盈”保本投资产品系列适合什么样的投资者？

Q:The launch of the bank of east Asia"Easy to interference"Guaranteed investment products series is suitable for what kind of investors?

　　A：针对港股潜在的上涨机会，东亚银行适时推出“易达盈”保本投资产品系列5，在本金保障的前提下，满足不同风险偏好客户的需求，助投资者获得更高潜在投资收益。如本期保本投资产品挂钩三只精选H股股票，包括和记黄埔、友邦保险和联想集团，并于到期保证派发100％投资本金。保本投资产品的触发点将于每个观察日及结算日逐步递减。若于任何1个观察日或结算日，所有挂钩标的的收盘价均高于或等于相关的触发点(“触发事件”发生)，投资者即可获得较高年化收益，投资期限从3年有机会最短缩成3个月，增加了资金的流动性。否则，投资者于到期日将仅可取回100％的投资金额，而不获任何投资收益。

A:In view of the potential in China rise,Bank of east Asia timely"Easy to interference"Guaranteed investment products series,The principal in the premise of guarantee,Meet the demand of the different risk preference,Help investors get higher potential investment gains.Guaranteed investment products such as this hook three selected H shares,Include hutchison whampoa/Aia and lenovo,And distributed due to ensure 100% investment capital.Guaranteed the trigger points of the products of the investment at each observation date and settlement date gradually diminishing.If in any one day or settlement date,All link up with the closing of the subject matter of the trigger point is higher than or equal to("Trigger events"happened),Investors can obtain more benefits come,Investment term from 3 years has the opportunity to shrink into at least three months,Increase the liquidity of capital.otherwise,Investors at maturity will only advisable to 100% of the investment amount,And no any investment gains.

　　富国系指数增强型集体领跑

Rich in index enhanced collective leadership

　　Q：A股市场在2012年末上演了一场大逆转，指数增强型基金的表现如何？ （杭州市 何力）

Q:A-share market in late 2012 staged A comeback,Index enhanced the performance of the fund? (Hangzhou he li has moved)

　　A：银河证券基金研究中心显示，截至2012年12月27日，所有类别的偏股型基金平均收益已全部转正，而指数增强型基金则成为最近一季度间反弹最快的品种。

A:Galaxy securities funds research center,By the end of December 27, 2012,All kinds of partial shares fund average income has all become a full member,Quarter between recent rebound and enhanced index fund becomes the fastest.

　　若以2012年以来收益计算，银河数据显示，截至12月27日，25只指数增强基金年平均收益率达5.19%，仅次于债券型和QDII品种，成为A股偏股类基金中表现最好的品种。124只指数型年平均收益率达3.78%，332只标准股票型基金年平均收益率亦达2.87%。目前，银河所有分类的基金产品年平均收益均已全线飘红。

If the yield calculation since 2012,The Milky Way data shows,By the end of December 27,,Only 25 index increase fund average annual yield of 5.19%,After bond type and QDII varieties,Become a-share slant funds in one of the best breed.124 exponential average annual yield of 3.78%,332 standard stock fund annual average rate of return is 2.87%.At present,,All the fund product average annual income of classification of galaxy has all red.

　　富国沪深300指数增强2012年以来上涨了9.32%，跑赢同期沪深300指数5.11%，是上涨最多的沪深300基金。富国中证5002012年以来亦上涨5.42%，而同期中证500指数则下跌了2.06%。若以成立以来计算，富国沪深300三年来已累计跑赢指数逾17%。

Rich countries csi 300 index rose by 9.32% since 2012,Run win csi 300 index 5.11% over the same period,Is rise the most csi 300 fund.Rich countries has also rose by 5.42% since 5002012,And has 500 index fell by 2.06% over the same period.If had been established,Rich countries csi 300 three years has been beating the index of more than 17%.