2016 春节放假转账怎么办

2016 年春节期间，转账问题成为了许多人关注的焦点。在这个特殊的假期里，金融系统的运行会有一些调整，这可能会对转账操作产生影响。

首先，需要明确的是，春节期间金融系统有三天的调整，直接受影响的便是跨行转账。在这段时间内，您可能无法像平常一样顺利地进行跨行转账操作，只能耐心等待。因为金融系统的转账是需要一定的时间由系统来进行调配的，而且一旦遇到节假日是会自动延期的。

同时，金融系统的转账需要对方准确的所属银行名称、银行账号号码以及收款方的正确名称才可完成转账的操作。如果您的转账信息与现实不符或有误，转账操作是得不到金融系统的支持的。不管当时系统是否显示成功与否，最终资金还会自动回归到您的账户，但回款过程是需要一定的时间等待。

另外，在 2016 年春节期间，不少银行推出了相关的优惠活动。例如，建设银行推出了“电子银行同城跨行转账、手机银行和短信汇款手续费”价格优惠活动。活动期间，市民通过网上银行办理同城跨行转账，手续费优惠为 2 元/笔；使用手机银行、短信汇款办理同城跨行转账，手续费优惠为 1 元/笔；通过手机银行渠道办理异地转账，手续费实行 3 折优惠，按交易金额的 0.15%收取，最低 1 元，最高 15 元；通过短信汇款办理异地转账，手续费更是低至 1 折，按交易金额的 0.05%收取，最低 1 元，最高 5 元，最多可比柜面节省 45 元。

广发银行也于近日对外宣布，其个人网银、手机银行优惠政策将横跨 2014 年春节期间并续延至 2014 年 12 月底。针对本行同城、本行异地、跨行同城、跨行异地汇款及跨行收款等业务，广发行春节期间仍旧实行手续费减免政策。

中国银行在 2014 年 1 月 1 日至 3 月 31 日期间，也推出了电子银行转账优惠活动。个人网银理财版客户，在 1 月 1 日至 3 月 31 日期间，在中行内转账可享受 8 折优惠。此外，客户还可享受人民币借记卡与准贷记卡间转账免费、准贷记卡间转账免费、密码汇款免费，跨行转账 8 折优惠、跨境汇款 8 折优惠。个人网银贵宾版客户，中行内转账全免费，跨行转账汇款全免费，跨境汇款 8 折优惠。而根据中国银行的最新政策，其手机银行、家居银行目前实行在线办理转账业务免费。另外，2014 年全年，通过网上银行和手机银行进行汇款笔数套餐签约，也可享 6 折优惠。

总之，在 2016 年春节放假期间进行转账，您需要提前了解相关金融系统的调整和银行的优惠活动，确保转账信息的准确无误，耐心等待转账的完成。如果遇到问题，建议及时与银行客服联系，以保障您的资金安全和转账顺利。

What to Do with Transfers During the 2016 Spring Festival Holiday

During the 2016 Spring Festival, the issue of transfers became a focus of many people's attention. During this special holiday, there were some adjustments in the operation of the financial system, which might have an impact on transfer operations.

Firstly, it should be made clear that there were three days of adjustments in the financial system during the Spring Festival, and the direct impact was on cross-bank transfers. During this period, you might not be able to conduct cross-bank transfer operations as smoothly as usual and could only wait patiently. Because the transfer in the financial system requires a certain amount of time for the system to allocate, and it will be automatically postponed once it encounters holidays.

At the same time, the transfer in the financial system requires the accurate name of the recipient's bank, bank account number, and the correct name of the recipient to complete the transfer operation. If your transfer information is inconsistent with or incorrect in reality, the transfer operation will not be supported by the financial system. Regardless of whether the system shows success or not at that time, the funds will eventually return to your account automatically, but the process of fund return requires a certain amount of waiting time.

In addition, during the 2016 Spring Festival, many banks launched relevant preferential activities. For example, China Construction Bank launched a preferential activity on "fees for electronic bank cross-city inter-bank transfers, mobile banking and SMS remittance". During the activity period, citizens conducting cross-city inter-bank transfers through online banking would enjoy a preferential fee of 2 yuan per transaction; conducting cross-city inter-bank transfers through mobile banking and SMS remittance would enjoy a preferential fee of 1 yuan per transaction; conducting remote transfers through the mobile banking channel would enjoy a 30% discount on the fee, which was charged at 0.15% of the transaction amount, with a minimum of 1 yuan and a maximum of 15 yuan; conducting remote transfers through SMS remittance would enjoy an even lower fee of 10% discount, which was charged at 0.05% of the transaction amount, with a minimum of 1 yuan and a maximum of 5 yuan, saving up to 45 yuan compared to counter services.

China Guangfa Bank also recently announced that its preferential policies for personal online banking and mobile banking would span the Spring Festival period of 2014 and extend until the end of December 2014. For businesses such as local transfers within the bank, remote transfers within the bank, cross-city inter-bank transfers, cross-region inter-bank transfers, and cross-bank collections, Guangfa Bank still implemented fee waiver policies during the Spring Festival.

Bank of China also launched preferential activities for electronic bank transfers from January 1 to March 31, 2014. For personal online banking financial management version customers, they could enjoy a 20% discount on internal transfers within the bank from January 1 to March 31. In addition, customers could also enjoy free transfers between RMB debit cards and quasi-credit cards, free transfers between quasi-credit cards, free password remittances, 20% discount on cross-bank transfers, and 20% discount on cross-border remittances. For personal online banking VIP version customers, internal transfers within the bank were completely free, cross-bank transfer remittances were completely free, and cross-border remittances enjoyed an 80% discount. According to the latest policies of Bank of China, its mobile banking and home banking currently offer free online transfer services. In addition, throughout 2014, signing up for the remittance transaction package through online banking and mobile banking could also enjoy a 60% discount.

In conclusion, when conducting transfers during the 2016 Spring Festival holiday, you need to understand the adjustments of the relevant financial system and the preferential activities of banks in advance, ensure the accuracy of the transfer information, and wait patiently for the completion of the transfer. If you encounter problems, it is recommended to contact the bank's customer service in a timely manner to ensure the safety of your funds and the smoothness of the transfer.