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银行抢分彩票一杯羹
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百万、千万、亿万……巨奖的屡屡出现,让众多彩民的购买意愿更加强烈,部分商业银行也盯住了这一市场,开始拓展银彩合作市场,让更多的彩民通过银行直接投注而无需到投注站购买。$ S; ~7 I) e* T. H
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日前,重庆市内的部分商业银行争相推出了“彩票定投”理财业务,彩民购买双色球彩票不必亲自到福彩投注站,只需委托银行定期投注并代扣资金即可操作,而且,1万元以内的奖金兑付,也由银行直接划拨到彩民银行卡上。) X+ x6 ~ Y& I( C1 ^! b, _ a* e3 [
6 T" | A' ]+ [! ]% ~# @: ?, d2 B 银行抢滩彩票投注业务, B) P5 o8 e$ R: y
) h, p9 q. c; X. r, T4 ^* G1 G 银彩合作成新趋势
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据了解,重庆的商业银行此次推出的是双色球306定投业务。“彩民到银行柜台,一张申请表最多可选择5注号码,最高进行99倍的倍投。”农行重庆分行相关人士称,银行根据彩民申请的定投期限,代其每期投注,不会错过任何一期投注机会。定投时间到期后,如果彩民设置了续投,银行系统会针对下一个定投周期自动进行续约扣款。彩票开奖后,银行根据彩票中心返回的中奖结果,1万元以内的奖金,直接划拨到彩民银行卡上。而1万元以上中奖金额,仍然由彩票中心通知和兑付。工行的操作流程也和农行一样,不过,目前只是在部分银行网点试点,下一步将全面铺开。
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此外,重庆农商行和中信银行也在酝酿开展双色球定投业务。而这4家银行网点数量在3700个左右,超过目前福彩投注站数量,能够实现重庆乡镇双色球全覆盖。重庆农商行和中信银行已经开始网络测试和人员培训,力争在年内推出。! h4 l) `- f7 X8 O
- J/ l' b. t+ ]* n “金融机构推出双色球定投,不仅可以满足大众客户的投资需求,提升增值服务,从银行收益角度而言,银行也可以通过双色球定投业务吸收更多社会资金在银行内的流转。”一家国有银行个金部人士分析说。+ U4 M& {/ r" Y
, ~( `$ M5 V5 f 银彩合作成新趋势
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重庆商业银行抢滩彩票投注业务的这一举措,也引起了国内其他省市和地区的关注。“虽然在北京地区尚未开展彩票定投业务,但是早前工行已经开始和福彩等合作,开设银行彩票平台。同时,也开通了彩民通过电话或者ATM机直接购买彩票的业务。”北京市工商银行的一位客服人员对记者表示。3 ~6 @$ n0 p6 c% ?3 w4 p/ j
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其实,商业银行代理彩票业务早已不是“纸上谈兵”。银行彩票平台就是一个各大银行与彩票中心合作的综合性电话投注服务平台。支持的福彩有双色球、3D、时时乐、七乐彩、15选5、东方6+1;体育彩票有大乐透、排列三、22选5;高频快开彩票有时时乐、时时彩、11运夺金。银行彩票平台的主要合作银行有招商银行、工商银行、农业银行、交通银行、建设银行、浦发银行、民生银行、广发银行等,其他网上银行用户和支付宝、便利通用户也可参与支付。
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~5 w9 ~8 z8 M8 y$ z8 s$ | 此外,不少银行还在彩票投注站附近陆续安装POS机,刷卡就能买彩票。日前,广州市体彩中心也在市内的多家投注站安装了天朝邮储银行的POS机,凡是持有“银联”标志银行卡(信用卡和借记卡)的市民都可以到投注站刷卡购买体育彩票,无须带现金买彩票,对一些喜欢用大复式买足彩的彩民来说无疑是更便捷、安全。对于投注站来说,除了省却繁琐的现金操作和零钱找赎,还大大降低了收假钞的风险。
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银行为何屡屡向彩票业务伸出橄榄枝呢?不少业内人士认为,这其实源于我国彩票市场的飞速发展以及未来巨大的市场潜力。而银彩的深入合作,不仅满足了客户的投资需求,也让银行吸引了更多的流动资金,相信这种双赢的举措将会是未来彩票市场的一个新趋势。 |
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