Many people know that the Netherlands, which has Europe's largest port of Rotterdam and the fourth-largest Airport Schiphol Airport, is a world-renowned logistics center. But perhaps people still do not know that, through decades of efforts, the Netherlands has become one of the global financial logistics centers, and financial logistics is driving the continuous development of the Dutch economy.
Financial logistics refers to the transfer of financial information containing or representing value from one party to another. For example, you used to go to the bank monthly to pay the telephone bill and receive the mailing bill, and now you pay by internet transfer and receive the bill via email. In general, financial logistics covers traditional physical transactions as well as emerging online transactions and mobile payments.
In the Netherlands, financial logistics has covered almost all major businesses in the financial industry, including payments, signing contracts, securing bills, issuing invoices, and digitizing electronic orders. The development of financial logistics not only facilitates customers, but also saves time and economic costs, and improves the operational efficiency of the financial industry.
For the average Dutch consumer, the financial logistics method they are most familiar with is the personal identification number debit card payment system that was used in the Netherlands in 1987. The Dutch Central Bankâ€™s annual survey report in December â€œDutch Consumersâ€™ Cross-Border Payments 2010â€ showed that 98% of Dutch consumers have debit cards that can be paid abroad, and over 79% of Dutch residents used it in 2010. The system is consumed in the euro zone.
With the development of financial logistics in the personal consumption field, the dependence of the corporate transaction field on financial logistics has become increasingly apparent. In recent years, the global cross-border payment service has grown at a compound annual growth rate of 20% per year. The world economy has also increased the demand for safer and more efficient payment systems, and the lack of a global unified payment system has increased the balance of payments costs. To this end, the Netherlands has taken the lead in developing an innovative and reliable electronic payment market that can provide cheap, efficient and secure cross-border services. The Netherlands ranks the third largest securitization asset market in the world with its good reputation and reliable settlement system.
Statistics from the Dutch government's publication "Doors of the Netherlands" show that the Netherlands is one of the top five markets in Europe. Through transactions such as debit cards, credit cards, credit transfers and direct debits, the average person achieves 400 non-cash transactions each year. According to the information volume rankings handled by the Global Banking Finance and Telecommunications Association, the Netherlands ranks sixth in the world, second only to the United States, Britain, Germany and other countries. Two-thirds of Dutch consumers use online banking, the highest rate in the world. Dutch companies are responsible for most of the worldâ€™s e-commerce transactions, and Dutch electronic payment transactions also have the lowest fees in Europe.
The development of financial logistics has not only improved personal and corporate payment efficiency, but also promoted the development of the Dutch financial industry. The high utilization rate of electronic payment means and the high popularity of the Internet have allowed the Dutch banking industry to successfully develop a variety of innovative services. The services currently under development include invoice issuance, payment, bank credit and trade financing.
At present, the debt crisis in Europe is heavy, causing many people to worry about the economic outlook of Europe. Cohen Advocaat of Dutch Financial Industry Organization Dutch Financial Center said in an interview with Xinhua News Agency: â€œA robust financial logistics system can optimize cash flow management, help companies understand the distribution of cash, when and how to use such cash, etc. Especially in the financial and debt crises, corporate operating efficiency is in a sluggish state and it is often difficult to obtain credit line loans. Good cash flow management can help companies effectively respond to the crisis."
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