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China's five largest commercial lenders started providing interbank transfers and transfers within accounts of a bank via mobile banking for free on Thursday, as part of their efforts to deal with increasing competition from Internet finance companies.
作为应对日益激烈的来自互联网金融平台竞争的部分努力，上周四，中国的五大商业银行宣布，即日起通过手机银行转帐汇款免收手续费。
These banks will soon provide similar transfers not exceeding 5,000 yuan ($766) via Internet banking for free.
这些银行也将很快对通过网银办理5000元（约766美金）以下转账汇款业务免收手续费。
They signed an agreement on Thursday to tighten up the management of personal bank accounts and improve relevant banking services. The banks will have differentiated management approaches for personal bank accounts that will be classified into three categories.
周四，五大银行签署了加强帐户管理、提高关联银行服务的协议。同时，这些银行还将个人帐户分成三类，实行差异化的管理模式。
For instance, a personal bank account that is opened via electronic channels such as mobile and Internet banking, with the bank taking necessary measures to crosscheck the client's identity, can be used for purchases and payments not exceeding a total of 10,000 yuan per day, apart from making investments on wealth management products. Otherwise, it could only be used for small purchases and payments with the account balance capped at 1,000 yuan.
比如，通过移动设备和网上银行等电子端开通的个人帐户，只要银行已采取必要措施交叉核对了客户的身份信息，不仅可以投资理财产品，还可用于消费或支付，单日限额10000元。否则只能用于小额支付，资金限额为1000元。
Xu Luode, vice president at Bank of China Ltd, said, "The classification and differentiated management of personal bank accounts have a distinct feature of Internet finance, showing that the Chinese banking sector is taking a major step forward in developing Internet-based financial services."
中国银行副行长许罗德表示：“银行帐户的分类和差异化管理具备鲜明的互联网金融特色，显示出中国银行业在发展基于互联网的金融服务方面向前迈出了一大步。”
