![<?echo $_SERVER['SERVER_NAME'];?>](/template/twentyseventeen/skin/images/header.jpg)
Recently, there is news that the e-commerce service platform represented by Mushroom Street (fashion women's e-commerce platform) and two-dimensional fire (service provider of catering cloud cash register system) is used in the actual business process. The Qing model has accepted the central bank's interview research and window guidance in the past six months.
On March 22, the relevant person in charge of Mushroom Street and Two-Dimensional Fire said in an interview with the reporter: At present, the business is in compliance, there is no problem of funds retention and violations.
In recent years, with the rapid development of mobile Internet, the scale of business transactions of Internet companies has continued to expand. Some Internet giants have paid heavily for the acquisition of payment licenses in order to avoid compliance problems and to achieve the formation of closed loops and control of user data.
However, in the view of Mr. Li, a third-party payment company practitioner, on the one hand, the “high price†payment license has discouraged many Internet platforms such as e-commerce and business travel; on the other hand, the platform is based on the funds to settle revenue and operational considerations. To some extent, it is not very willing to solve some compliance issues through third-party payments.
E-commerce platform now pays compliance issues
According to reports, the e-commerce service platform represented by Mushroom Street and Two-Dimensional Fire has accepted the central bank's interview research and window guidance in the past six months.
According to the report, according to sources close to the central bank, e-commerce platforms, including Mushroom Street and Two-Dimensional Fire, use the “two clear†model in the actual business process. At present, the central branch of the central bank is talking about such e-commerce, but the central bank window guidance is not aimed at these enterprises, but it is considered to have a very good typical significance for the supervision of the existing models of these enterprises.
For the central bank's interview, the industry believes that it belongs to the normal industry, but the above-mentioned e-commerce platform may have violations such as "two clears".
The traditional "one clear" and "two clear" generally belong to the POS acquiring business category. The so-called "two clear" company is for the "one clear" organization. The POS machines of the “one clear†organization are generally directly cleared by UnionPay, banks or third-party payment companies, and the merchant's transaction settlement funds will be directly transferred to the merchant's collection account. The POS machine of “Second Qing†company needs to carry out secondary liquidation, that is, after the settlement fund is cleared, it will be transferred to the third party account opened by “Second Qing†company, and then processed to the third party account, and then settled to the merchant. Collection account. To put it simply, the “Second Qing†company’s business has not obtained the business license of the central bank, but it is actually engaged in the payment business under the licensed acquiring institution, which is a violation. “Second Qing†may cause the platform funds to remain, which in turn creates a risk of running.
For the e-commerce platform, “Second Qing†means that the user's purchase money is not directly sent to the seller who opened the store on the platform, but directly in the virtual account of the e-commerce platform. After the buyer receives the goods, the platform will play the money. To the seller, there will be a period of 3 to 7 days during this period, which will result in funds remaining. Mr. Li, a third-party payment company, said: "Compliance is actually mainly about whether the purchase money is directly in the hands of the merchant."
Regarding compliance issues, the relevant person in charge of Mushroom Street said in an interview with the media: "When the company reached a certain scale, Mushroom Street did form a certain amount of funds at the business level. After communicating with the central bank, Mushroom Street realized this. The problem also understands the concerns of the regulatory authorities. During the past six months, the system has cooperated with Alipay to carry out system transformation and solve the problem of compliance."
On March 22, the relevant person in charge of Mushroom Street said in an interview: “Mushroom Street is currently fully compliant. There have been some misunderstandings in some reports.†At the same time, it said that it is discussing with the central bank about service innovation and supervision. The department grasps the general direction.
In addition, the two-dimensional fire executives also said: "In fact, the central bank is not talking about us, but last year the company launched a new business for the C-end. We took the initiative to visit the central bank to consult whether the new products are in compliance. The two-dimensional fire was early last year. In July, the new system was replaced by cooperation with the bank. The platform did not handle the funds, and there was no problem of funds retention and violations."
In Mr. Li's view, there are generally three solutions to avoid compliance issues: first, the purchase price is directly from the buyer to the merchant; second, the direct purchase of a third-party payment license; third, the platform has no third-party payment. Qualification, but the funds can be deposited in the bank, or can be opened in a third-party payment company, deposit funds in a third-party payment company, and let the third-party payment company help it to fund the deposit and distribution.
"The only way to solve the compliance problem is to access the payment channel, whether it is a bank or a third-party payment institution." Analyst Wang Pengbo of Analysys Financial Center told this reporter.
However, on the one hand, the 'high price' payment license has discouraged many e-commerce, business travel and other Internet platforms; on the other hand, in view of the benefits of fund settlement and operational considerations, the platform hopes that all transaction information will be on its own platform. On the other hand, and then control the user data to provide better services, the actual platform is not very willing to solve some compliance problems through third-party payment," said Mr. Li.
Pay the license price or continue to soar
In recent years, including BAT (Baidu, Ali, Tencent), Jingdong, Xiaomi, Vipshop, Meituan, Gome, Suning and Wanda have invested heavily in the purchase of payment licenses or mergers and acquisitions of third-party payment companies.
According to public information, Jingdong acquired online banking online, Xiaomi acquired 65% equity of Jiefu Rui, Vipshop will acquire Zhejiang Beifu, US Mission Review completed the wholly-owned acquisition of Qianbaobao, Wanda acquired 68.7% equity of fast money and so on.
Depending on the type of business, the price of payment licenses ranges from a few thousand to more than two billion. As an intermediary, Zhang Wei, deputy general manager of Beijing Mita Management Consulting Co., Ltd. revealed that at the end of October last year, the market price of the payment license for Internet business was generally around 500 million yuan, and the license for the three businesses was about 700 million yuan. These prices do not include central bank reserves and interim fees. Zhang Wei said: "A single prepaid card acceptance business license is relatively cheap, and now the value is relatively high is the Internet payment business license."
It is reported that many of the more than 260 payment licenses that have been issued nationwide have not carried out actual business. "Now the central bank has not approved new licenses, and will also reduce the number of licenses in the market, so in general, prices will continue to rise. The specific transaction price depends on the specific circumstances of the target company, such as whether there is business, whether there is debt. , due date, etc." Zhang Wei told reporters.
In the view of Zhang Guoxiong, CEO of Beijing Jinkaimen Information Technology Co., Ltd., which has been engaged in the payment industry for more than ten years, a large number of licenses have not produced any value in the hands of the holders. This is why the central bank supports the giant Internet companies to obtain licenses through acquisitions. First, "Because this business has great rights and great value, the central bank hopes that every license can be used properly after it is issued."
In Wang Pengbo's view, the significance of acquiring a payment license has three aspects: first, it can allow the company to settle funds for compliance; secondly, it can enable enterprises to increase financial services and other forms of value-added services on this basis; third, because payment is The reason for the closed loop of the transaction, the enterprise with the payment license can grasp the information flow, payment flow and capital flow in the transaction process. On the basis of obtaining the data closest to the transaction scenario, the user can not only describe the user portrait on the C side. The demand for the B-end can also be mastered, and then more products will be introduced to occupy the market.
The two-dimensional fire executives pointed out that although the cooperation with the bank will increase the cost slightly, each transaction bank will charge a certain service fee; but after all, it effectively avoids the legal risk and eliminates the financial accidents that the regulatory layer is worried about, and Compared to the acquisition of a payment license, this cost is much lower.
Hair Dryer,best hair dryer,hair dryer price,LCD hair dryer
Zhejiang Hisun Electrical Appliance Co.,Ltd , https://www.cn-hisun.com