What are the advantages of super online banking compared with ordinary online banking?

Let me try to answer this question... "Super Online Banking" is not actually a product of the central bank. The correct name should be the online payment inter-bank clearing system, which is a second-generation payment system built by the central bank. One of the components exists, and the term "super online banking" is just a misinformation in the media. The inter-bank clearing system is not oriented to individuals or enterprises. The service targets are mainly banks and non-financial institutions. Compared with the original clearing system, the inter-bank clearing system achieves 7×24 hours of real-time account arrival services and institutional Single point of access. For example, when making inter-bank transfers through the existing system, transfers of more than 20,000 yuan can only be carried out between 9:00 and 5:00 on working days, and the arrival time may vary depending on the bank's processing conditions, and during the transfer process The transferor needs to enter the branch number where the payee's account is opened. That is to say, when transferring money from ICBC to Agricultural Bank of China, you also need to know which city and branch of Agricultural Bank of China the other party opened an account in. For inter-bank transfers through the online payment inter-bank clearing system, when initiating the transfer, you only need to enter the amount of money to be transferred to Zhang San’s account XXXX in the Agricultural Bank of China, and the money will be received in real time. At the same time, the inter-bank clearing system also supports customers to conduct unified management of accounts under their own names. For example, if you have accounts at ICBC and Agricultural Bank of China, and you want to transfer money from ICBC to an account under your own name at Agricultural Bank of China, the current method is to ICBC branches or electronic channels initiate inter-bank transfers, and the inter-bank clearing system allows you to authorize your ABC account to operate ICBC accounts. After authorization, you can transfer ICBC money to ABC through ABC's online banking, and you can also query ICBC through ABC's online banking. Account balance, so it was called "Super Online Banking" at the time. However, after it was actually launched, various banks also set up various obstacles in authorization and other aspects, so it was not seen that it had any impact on the original online banking pattern. .