Is the bank's recent crazy marketing of ETC for the benefit? Do we really need to install it?

With the development of the times, the profession of high-speed toll collector will be gradually eliminated.

This is the inevitable trend of the times.

It is also necessary to install ETC.

Because, in the near future, ETC is likely to be fully realized.

I am an employee of the postal company. It has been handled for more than half a year and has been used many times.

Now I have completely fallen in love with ETC.

So far, I have only seen the advantages, but I haven't found any disadvantages except convenience.

At the beginning, I applied for a savings card, and the bound savings card must be pre-stored in 500 yuan.

But if you don't use ETC in 500 yuan, you will get every penny in return.

I have no credit card, so I applied for a postal credit card.

Then I changed the savings binding to a credit card binding.

500 yuan gave it back to me. Yes, I returned it immediately.

Now mine is 15% off.

By the way, the ETC recharge card is inserted in the machine.

Not a credit card. Inserting a credit card a few years ago was a risk of being stolen.

Now all major banks have rejected this security risk. So there is no risk of stealing the brush.

Because there is protection between the recharge card and the credit card binding.

Only when the sensor and camera of the high-speed port capture the license plate number of your vehicle and the chip ID in the charging IC card at the same time can the deduction be made.

There seems to be another security secret.

That is, when the fee is deducted, the mobile phone can receive SMS notification.

So it can be said that stealing brushes is almost impossible.

There is absolutely no need to worry.

If you often run the highway, even if you don't often run the highway,

You can also install one.

Convenience is real.

I regret being late.

ETC is a credit card, so you don't need to save money first.

Banks are losing money in operating ETC now, and they have to spend money on equipment.

The big ETC is to obtain customer resources.

Prepare for winning customers to deposit in the bank or handle business in the future.

Don't doubt, don't pay for the equipment, why not do it?

Banks and high-speed ETC centers are actively responding to the call to achieve 90% installation rate before the end of the year. As car owners, we only need to decide whether to install it according to our actual situation, at least in the short term, it doesn't matter if there is no ETC vehicle getting on and off the highway. Speaking of benefits, I think we need to analyze them. The purpose of bank marketing is for profit. Will banks do this for public welfare? Where do the benefits come from? Most banks do not support the operation of spending first and then paying back. Generally, it is required to associate bank cards, and a certain amount of RMB must be pre-stored in cards or equipment, otherwise ETC cannot be used to get on and off expressways. The amount of this deposit can be more or less, but for car owners who often run high-speed, the deposit of 500 yuan and 1000 yuan is not much, and this money is of great significance to banks. I think only banks know this interest game. Let's simply calculate an account. According to the existing 200 million passenger cars, each car is pre-existing around 500 yuan. how much is it? It's astronomical! What do banks make money from? Ordinary people's deposits are big, followed by loans. I have applied for ICBC ETC, so I can spend money first after linking my ICBC card, but the next day I must make sure that the balance in my card is enough to pay for yesterday's high-speed toll, otherwise I will be blacked out immediately, and I feel suspected of being blacked out at any time. Finally, talk about whether it is necessary to install ETC in the next step. The answer to this question is: absolutely necessary! By the end of the year, the installed capacity will be 90%, so it is estimated that the installed capacity will be 100% in 2020. In the near future, manual card issuing and toll lanes will all be changed into ETC lanes, and toll collectors will also face internal transfer or even layoffs. Therefore, we must keep pace with the times. Instead of waiting until the end, it is better to apply for ETC during the bank promotion. Anyway, the equipment is free and there is no need to recharge it in advance. When you really run at high speed, it's not too late. This can prevent the situation that you can't use the expressway without ETC in the future.

Finally, there will be no ETC in the short term, but we are not sure whether the bank will give away the equipment for free near the end of the year, because on that day, when the artificial lane is cancelled and ETC becomes a necessity, if you are a car owner eager to install ETC, will you still give it away for free?

At present, there are only 80 million ETC users, accounting for only 40% of the car ownership. It can be said that the country still has a long way to go to achieve the goal of full coverage of ETC on expressway sections by the end of 2020. Vigorously promoting ETC is the general trend and something that must be done.

If you drive on ETC Expressway, you will enjoy a toll discount of at least 15%; Moreover, many banks also offer preferential activities such as cash coupons, reduction and exemption. For example, the bank of communications ETC I handled refunded me a coupon worth 100 yuan, which is still very good!

Many people have been wondering a question: I don't usually take the expressway. Do I need to install ETC? This problem is actually a concern of most people. In fact, from July 1 2020, ETC vehicle-mounted equipment should be added to the optional configuration of newly approved vehicles. This sentence has clearly told everyone that although ETC is not mandatory to install, it is indeed the future trend. Installing ETC now has certain advantages over not installing ETC, mainly referring to equipment and concessions.

Of course, you can't get up early without profit! It is the "profit" in "ETC" that banks will spare no effort to promote ETC! Today, let's talk about it from several aspects. How to choose ETC?

Types of ETC

ETC is divided into prepaid cards, stored-value cards and co-branded cards. We know that stored-value cards include Huitong Card and Sutong Card, and many people are using them. They recharge first and then pay. Top-up card means spending first, then settling.

Here we mainly explain the bank card ETC, also known as co-branded card, and cooperate with high speed!

This kind of card is basically divided into two types, one is a savings card, which ensures that there is money in the card in advance; The second type is credit card, which can be processed and charged after consumption.

How to choose stored value cards and co-branded cards?

What are the tricks of bank ETC?

Although the bank ETC looks very affordable at present, it is not only free of equipment fees, but also free of annual fees for a certain period of time. However, when you apply for a bank card, you have actually completed the tasks of the bank, especially the credit card. It is not difficult to promote credit cards. At this time, by installing ETC, users will be promoted to use credit cards!

Last words: if you do it in a bank, you must ask if there is any annual fee exemption. How long is the free period? Will there be additional income in the later period, and so on.

Basically, you don't even have to think about any behavior of the bank, just judge it directly for the benefit, and basically this judgment will not go wrong. Practically speaking, what else is there in the bank besides money? Is it difficult for banks not to promote ETC to make money, facilitate car owners to pass quickly and solve the traffic pressure at toll stations? The bank has no time.

Of course, we can't say that this bank makes money. After all, this is also a dividend given by the social development trend. It is also convenient for car owners to install ETC, and the current crazy promotion of banks is only to seize the market. After all, there is competition among banks.

Although now, when car owners apply for ETC, banks will give many discounts, such as sending fuel cards, washing cars, redeeming points for gifts and so on. But banks are not stupid at all. Because it is an irreversible trend for ETC to replace manual toll collection, on the one hand, car owners can save time by using the fast track to pass through the toll booth, on the other hand, it also greatly reduces the traffic pressure of traffic congestion. After all, it is really a waste of time to queue up on the expressway to collect fees, and if everyone uses ETC and goes directly through the toll booth, there will be no congestion.

For banks, now letting car owners handle their own bank's ETC is equivalent to binding a stable customer. In the future, he will have to use this card for ETC recharge, and the bank's profitable business is mainly loans, which requires high cash flow. We can calculate that if a bank's ETC needs to recharge 65,438+0,000 yuan for each car owner, and if the bank has/kloc-0,000,000 car owners to recharge, then the bank will directly get 6,543,800 million yuan in cash, and the car owners in China will be at least several hundred million yuan.

This is only about cash. If banks are involved in promoting other wealth management products and insurance to these car owners, the added value will be even greater. So now the crazy promotion of banks is mainly to get customers, which is similar to the early Alipay WeChat promotion, that is, to get accurate customers through preferential subsidies, so that everyone can develop habits and make money is a matter of course.

It is actually necessary for car owners to install it. After all, this is a trend that we can all see. Now the bank still has subsidies. If it is installed, it will use. If it is installed later, it is estimated that there will not be such a big discount. So, let's pretend.

This is issued by the Ministry of Communications and requires installation.

Bank marketing is to occupy more markets and get more customers. And now there are many discounts, which are worth handling. According to industry experts, as of March this year, there were only more than 80 million ETC users nationwide. With the introduction of the policy, it is estimated that by the end of February, 2065438+2009, the number of ETC users in China will exceed1.80 billion, an increase of1.00 billion, and banks will definitely seize this market.

Previously, the "Notice on Vigorously Promoting the Development and Application of Expressway ETC" issued by the Ministry of Transport proposed to fully implement the free installation of ETC vehicle-mounted devices and increase installation service outlets. According to the plan, by the end of 20 19, ETC installation rate will reach over 80%, ETC utilization rate of expressway vehicles will reach over 90%, and expressway will basically realize fast toll collection without stopping. According to the statistics of the Municipal Transportation Commission, before the end of the year, Beijing needs to add ETC users 1, 2 1, 000. ETC issuers will establish contact with banks and other institutions, as well as gas stations, 4S shops, auto repair shops, parking lots and other places where vehicles are concentrated, and provide one-stop full-process installation services nearby. At the same time, give full play to Internet channel resources, support customers to choose products and services independently, register and install independently, and encourage publishers and cooperative institutions to open various forms of online distribution channels such as websites and apps to provide convenient services to customers.

The world is bustling for profit, and the world is bustling for profit. Banks are commercial organizations, not charities. The core purpose of commercial organizations is to make profits. The core purpose of all business carried out by banks is to obtain higher profits, including actively promoting ETC.

Recently, major banks including Alipay and WeChat are vigorously promoting etc business, and now major institutions are giving away ETC equipment for free. More importantly, in addition to giving away equipment for free, major banks also give certain discounts on tolls. For example, after China Agricultural Bank successfully registered etc, it can use 1000 points to receive the etc toll monthly ticket every month, and can enjoy the discount of 10% of the etc toll deduction for that month from the date of collection; The tolls of China Construction Bank, Bank of Communications, Industrial and Commercial Bank of China and China Merchants Bank are all given a 15% discount; Guangfa Bank offers discounts of 95% to 98% in some areas, but the accumulated consumption points in that month exceed 3,000 yuan, and some places can enjoy a 20% discount.

In addition to giving toll discounts, many banks now offer other preferential conditions, such as giving away fuel cards, free car washing, road rescue and so on.

These behaviors of banks seem to make money at a loss, so why should banks actively promote etc business? Is the bank purely for public welfare and convenient for the majority of riders to travel? Of course not. In fact, the most direct reason for the recent crazy promotion of etc by banks is the introduction of policies.

2065438+May 2009, the Ministry of Communications issued the Notice on Vigorously Promoting the Development and Application of Expressway ETC, which fulfilled a task: the free installation of ETC will be launched nationwide, and it is estimated that 80% of vehicles will install ETC before the end of the year, and the utilization rate of ETC for high-speed vehicles will reach 90%.

After the introduction of this policy, 30 provinces have formulated specific implementation plans. 14 provinces have submitted the implementation plan to the provincial people's government for deliberation, and will also implement the free installation policy, give points concessions and discounts to tolls, and encourage financial institutions, the Internet and other enterprises to expand the concessions through various forms such as returning red envelopes with points.

Therefore, the biggest reason why banks give various concessions is actually influenced by policies.

As we mentioned earlier, the bank is a commercial organization, and its core purpose is to focus on profit, so everything they do is focused on profit, including the promotion of etc. At present, the reason why banks are crazy about promoting etc for free is that the potential market of etc is huge, which is mainly reflected in the following aspects.

First, promote credit cards.

At present, credit card has become a battleground for banks, because the potential utilization space of credit card is very huge. In order to promote credit cards, banks are actively using various means to promote them, among which etc is a very important channel to promote credit cards.

At present, the coverage of China etc is only about 80 million vehicles, and according to the policy requirements, the number of vehicles covered by etc should reach at least1800,000 by the end of 20 19, which means that10,000 vehicles will be installed in the remaining six months of 20 19. Even if only 50% of these users choose to bind credit cards, the potential number of credit card users is 50 million, which is a very large customer group, and the car owners have relatively strong credit card spending power, so they are a high-quality customer group that banks strive for.

Once these car owners etc are bound with credit cards, banks can not only get a certain handling fee from tolls, but more importantly, they can promote these car owners to use credit cards to refuel, wash cars and repair cars. This potential profit margin is very large.

The second is to use capital precipitation.

At present, many users of etc are directly bound to the savings card, and etc bound to the savings card must ensure that there is a certain account balance in the savings card. For some rich friends, it is normal to have a credit card balance of thousands or even tens of thousands of dollars. The balance of these accounts may be nothing to a single user, but millions or even tens of millions of users have thousands or hundreds of dollars in each account, which adds up to a very large amount, which is of great help to alleviate the difficulty of bank deposits. Moreover, these funds deposited in the bank only need to pay the current interest. By using these funds to lend or do other things, banks can get interest rates above 5%, and the spread profit is very rich.

Of course, in addition to the two potential profit margins mentioned above, banks can also conduct some financial marketing for these car owners, which is also a potential profit margin.

It is precisely because the potential market space of etc is relatively large, so we can see that at present, major banks are willing to give away equipment for free, and even give certain concessions on tolls to attract more users to use our etc.

However, I think etc is a win-win situation for car owners and banks. Banks can get a certain profit from the majority of car owners, but the majority of car owners can also enjoy a certain discount when they pass at high speed. In addition, there is no need to queue up at high speed, which is also very convenient, so it is necessary for the majority of car owners to do etc.

With the occurrence of the event of installing ETC, a wave of people swarmed to install ETC. Faced with such a familiar and unfamiliar service, some car owners readily accept it, while others are puzzled. After installing this thing, what other hidden pits are there?

You must pretend! Besides, it's free. Starting from June 65438+ 10 tomorrow, people who don't install it will not be able to enjoy the holiday free policy and can only use artificial lanes.

It's installed, and it's convenient to pass through the high speed.