[問題] 為何跨提與跨轉,原存款行一虧一賺?
跨提(15.5)
持卡人付6元,存款行付9.5元;代理行收12元,財金公司收3.5元
跨轉(17)
持卡人付17元,存款行收3.5元;代理行收10元,財金公司收3.5元
為什麼跨行提款時,存款行要付錢;而跨行轉帳時,存款行變成可以收錢呢?
到底跨行提款與轉帳的過程,誰要付出成本?有哪些成本?
誰會獲益?而這樣的費用與分配合理嗎?請板友們指教!
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