Your E-access to SPDB services
EBanking service includes E-banking and direct SPDB-enterprise access, a general name for our electronic products against the traditional over-the-counter service where the client cannot obtain satisfactorily bank service because of the limit of time and spots. In order to expand banking services and provide more convenient services to customers, SPDB developed electronic service products and by virtue of modern cutting-edge network and communication technologies, enterprise can enjoy the service without leaving office and realize highly efficient enterprise management .

1. E-banking
SPDB’s E-banking offer banking business service to company customers based on internet or information network. Make use of the new generation business system of data concentration and adopts world advanced E-banking technologies to provide more comprehensive, prompt, and safer online services to company customers.
It consists of two parts: E-banking and direct enterprise information access. The direct enterprise information access provides comprehensive information inquiry service to company customers, while E-banking service provides them with more comprehensive financial services, including information inquiry and transfer services.

Product functions
1. Information inquiry: available inquiry into such banking service information as current deposit, time deposit, loans, drafts, and discount
2. Internal transfer: transfer among company accounts
3. Payment: including inter-bank and intra-bank transfer
4. Bulk transfer: bulk treatment of multiple transfer transaction
5. Online deposit: deposit and redeposit transaction
6. Online investment: open-end funds investment available
7. Reservation: including reservation for large amount cash, promissory note and draft
8. Agency service: payroll, reimbursement and employees’ payment
9. Information service: InstantNotice service available
10.Group service: information inquiry of parent and subsidiary accounts and the funds allocating arrangement

Product features
1. Safe, reliable and low cost
To ensure the security of SPDB E-banking service, many security measures have been taken, including authoritative digital certificates, 128-bit encryption technology, multiple password protection, and personalized E-banking management. Meanwhile, E-banking service only requires one networked computers.
2. Functionally strong mobile office
E-banking service requires no client software. The financial personnel of your company can log in and use our EBanking service at any place once they have the authorized electronic key, realizing real mobile office. Meanwhile, E-banking can not only realize the functions of traditional counter service, but also be available for wealth management services of conversion among current deposit, time deposit and call deposit, and investment open-end funds, zero cash management of reimbursement and payroll, and bulk and reservation transfer transaction, realizing highly efficient enterprise financial management.
3. Powerful inquiry function enabling all-inclusive information
Our E-banking service can provide your company with more comprehensive and prompt account information such as account balance and transaction details, as well as tailor-made special information on payers and payees, including account name, account number and bank identify number etc..
4. Fully integrated group service
The information of the group company is fully integrated, facilitating both real time inquiry into the account information and business information of the subsidiaries at various places and in-group collection and allocation of funds on line.

2. Direct SPDB-enterprise access
Direct SPDB-enterprise access service refers to the real time access channel with SPDB business systems for company customers through our direct SPDB-enterprise service platform, by which the company can send electronic commands and receive electronic information from SPDB, thus realizing such functions as account management, data inquiry, and transfer payment.

Product functions
1. Account management: control of account payment authority and set up payment quota
2. Information inquiry: inquiry into account balance and transaction details
3. Payment: including outbound payment and group sweep transaction, with support to single payment and bulk payment
4. Information notification: by InstantNotice and e-mail
5. Statement reconciliation: automatic reconciliation for transaction statement of the same day

Product features
1. System interfacing ensuring high efficiency and convenience
Specialized platform for direct access, multiple choices for access (private line or internet), and standardized data connections and encryption equipments, all these enormously improve the project efficiency and ensure convenient and quick system interfacing.
2. Safe and prompt capital transfer
The direct access service is our one-to-one special service, by which your company can make full use of to send electronic commands for capital transfer and to realize highly efficient payment and group sweep transaction. Furthermore, your capital transfer will be safer under our diversified security measures such as payment command encryption and payee control.
3. Fully accessible bank information
Our direct access service can provide your company with more comprehensive and prompt account information such as account balance and transaction details, as well as tailor-made special information on payers and payees, including account name, account number and bank identify number. Furthermore, your company can have easy access to various business information such as draft, loans and discount, thus help your prompt and effective decision making.