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The third-party payment market has always been the big goal of capital chasing. With the continuous enrichment of third-party payment platforms, our life is more and more convenient. According to the official website of China Payment and Clearing Association, from March 31, non-bank payment institutions will pay online. The clearing platform (hereinafter referred to as the "networking platform") started the trial operation, and the first batch of access to some banks and payment institutions.
Different from bank card settlement, the third-party payment institution represented by Alipay and Tenpay has formed a mode of bypassing UnionPay and direct bank in recent years; in response to the potential information insecure in direct connection mode Risks such as opaque information and repeated investment, the central bank took the lead in setting up a network platform to provide unified and public fund clearing services for payment institutions.
The Payment Clearing Association stated that during the trial run, the integrity and effectiveness of the system functions, business rules and risk control measures of the networked platform will be verified. After the trial operation is over, other banks and payment institutions will be arranged to connect to the system in a planned and batchwise manner.
The analysis believes that the establishment of the networked platform will be beneficial to small and medium-sized third-party payment institutions. These institutions are not like large institutions such as Alipay and Tenpay, and they have higher bargaining power in the direct cooperation of banks. More clearing costs.
As the central bank has publicly stated that it will push the payment agency's centralized deposit and deposit management system, the network platform is expected to assume the role of unified custody reserve in the future.
In terms of shareholders, according to earlier media reports, the total number of shareholders of the network platform is no more than 50, and the investment amount does not exceed 50 million yuan. At present, several large payment institutions will become shareholders. In January, the relevant industrial and commercial departments have completed the pre-approval of the name of “Network Link Clearing Co., Ltd.â€.
What impact will it have on the “network†third-party payment companies after the launch of the new program?
According to relevant data, in 2016, the scale of third-party Internet payment transactions in China reached 19 trillion yuan, a year-on-year increase of 62.2%; the scale of third-party mobile payment transactions reached 38 trillion yuan, a year-on-year increase of 215.4%. With the explosive growth of the third-party payment market, the normative development of the industry will benefit licensed companies.
Internet payment concept stock summary:
Gaohong shares (12.290, 0.05, 0.41%) (000851): (1) According to industry research institute data, the unified communications field, enterprise collaboration, video and contact center and other market segments are expected to maintain a growth rate of more than 15%, IP communications There will be a negative growth trend in the market. (2) Subsidiary Gaoyang Jiexun is a leading company in the domestic recharge industry, providing electronic payment services for multi-home appliances. (3) Have the operational experience of online Internet B-end and offline small-micro B-end; have the technology and capability foundation of payment channel and enterprise informationization.
New Cape (20.800, -0.09, -0.43%) (300248): (1) The company is a high-tech enterprise supported by the state, and a key high-tech enterprise in the Torch Program, with strong independent research and development and technological innovation capabilities. (2) The company continues to focus on the software development of the smart card system and the development, production, integration, sales and service of various intelligent terminals. (3) The company has established a good reputation in the industry with its comprehensive overall solution and excellent customer service.
Tenbon International (15.970, 0.11, 0.69%) (300178): (1) The company has established the “Travel × Internet × Finance†ecosystem, and the innovative business model has created a precedent in the industry. (2) The company has a nationwide service network and coverage of online and offline channels.
New National Capital (23.680, 0.29, 1.24%) (300130): (1) During the reporting period, the company continued to focus on the field of electronic payment technology, engaged in the production and research and development of software and hardware for electronic payment acceptance terminal equipment based on financial POS machines. Sales and rental. (2) As of the end of the reporting period, the company obtained the following research and development achievements such as patents, computer software copyrights and software products: 179 national patents, including 53 invention patents; 10 international patents, 108 software copyright certificates and 49 software product registration certificates. .
Eastcompeace (13.330, 0.07, 0.53%) (002017): (1) The company is a leader in the smart card industry. (2) The company's main business is based on smart card products in the three application areas of communication, banking and social security. (3) The company's SIM card shipments and market share ranks first in the domestic market, and the overseas market develops steadily. It has successfully provided products and services to customers in more than 70 countries and regions around the world.
The network platform launched the trial operation, which has created a huge positive for the above-mentioned Internet payment concept stocks. The company reminds investors to hurry in advance, otherwise you will feel that you have missed the world.
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