苏格兰流动银行走向电子化

By Brian Milligan

Mobile branches have been driving round in Scotland for nearly 70 years， but the latest version is helping to introduce remote communities to the age of banking on the Internet. Once a week the van pulls into a village like Moffat， in the Borders， for just a couple of hours， allowing customers to cash a cheque， perhaps， or 1）park their money.

Now， up to now， when customers have turned up at a van like this， the staff have actually had to make a telephone call to call up the bank before they can give money out. These new vans， though， carry new technology which links them directly to the network and allows them to offer a much better standard of service.

Well， coming inside the new van here， the first thing youve got over here is an iPad. Customers can log on here very quickly and get simple and easy access to their accounts. Or， over here， staff can use this computer to actually log on for you. Also， for those who arent familiar with banking Apps， staff can show you exactly how to use one. That， of course， is the other form of mobile banking.

Critics say the new vans are a tool to 2）disguise the fact that 3）RBS is closing more high-street branches. The bank denies that， saying the vans can now reach more customers and give them a more personal service.

流動银行在苏格兰已经穿梭了将近七十年了，不过，最新版的银行车正要带领偏远地区的居民迈入网上银行时代。每周一次，银行车会来到像博德斯行政区里的莫法特这样的小村子，停上几个小时，方便客户兑现支票或是存款。

在此之前，每当客户光顾这样的流动银行车时，职员还要给银行那边打个电话才能把钱取出来给客户。而在这些有了新技术配置的新车里，职员就可以直接连上银行网络，从而为客户提供更为优质的服务。

走进这辆新车里，首先映入你眼帘的是一部iPad。客户可以通过它迅速登录，非常简单轻易就能打开自己的账户；又或者到这边来，银行职员可以用他们的电脑替你登录。如果你对银行业务应用并不熟悉，他们还会教你如何操作——当然，那又是另一种形式的“移动银行”了。

批评家们认为这批新车是苏格兰皇家银行（RBS）为掩饰其陆续关闭更多大型分支行所采取的措施。银行对此作出否认，表示新车能够惠及更多客户，并为他们提供更贴心的服务。

小资料

流动银行是能够独立、流动地服务于不固定地点的银行综合营业网点，是银行为了业务需要和满足特殊客户群体需求，以及应对突发状况而开发的一种可以进行多种金融服务业务的流动金融服务车，具有便捷、灵活等特点。流动银行在多个国家已得到推广，顾客上车便可以办理事务，比亲自到银行营业点更省力省时，而银行又减少了成本，大大地拓展了业务。