The eve of the payment of the licensing market, pay the company who can be described as uneasy feeling
The People's Bank of China (hereinafter referred to as "central bank") "electronic payment guidelines (No.)" document, the "payment and settlement organization and management measures" the time reportedly introduced in 2006 3 months.But March has passed, the document is still "only heard and seen its shape," the sources said, the introduction of the time this document may be delayed until this summer.
"Administrative Measures for payment and settlement organizations" outside the main content is generally interpreted as "related to the issuance of license third-party payment companies," will direct the formation of binding third-party payment service.An industry source said, had seen the draft of this document, the central bank of the proposed liquidation threshold may pay the company a lot of outside block in the payments market.
The next few months, third party payment may be put on the market, "a few happy some unhappy," the scene.In this process, a third-party payment for any company, the dominant force in the policy, select what kind of survival concept, directly affecting its survival.
Camp close to the financial
Trade rumors such a message - although the "electronic payment guidelines (No.)" is not introduced, but in March 2006, the central bank payment services to related companies 10 invitations to participate in a conference organized by the central bank.
It participated in the meeting but declined to name a source, received invitations to 10 companies and institutions, including Visa and other international organizations and several line cards to pay business, simply engaged in the electronic payment of third-party payment companiesBut four or five.In order to obtain payment of a license in all brains of the critical moment, the central bank to discuss this issue licenses will be more like a warm-up exercises before, and was invited to the list of business arrangement is not a mean look.
With the past, "briefing," The difference is that this internal discussion topics Powei open, the central bank began to let a senior leader of all the participants speak freely, and its results Jin Kouta set the tone.The participants in the person of it, this discussion would be more like a payment of 10 enterprises in the central front of the "Assembly test," the discussion in this very relaxed atmosphere, the central bank on various aspects of enterprise electronic paymenttheory and business levels at a glance.
It is understood that the meaning of which is quite a detail, there is a third-party payments on behalf of the company due to lack of financial common sense, stand up and published a number of leadership is quite puzzling to the central bank's remarks drew everyone's laughter.But behind the laughter, but it can not be ignored as a "stand in" problem.
Known as the "pay first year" of 2005, on the third-party payment companies are "financial institutions" or "technology company" debate intensified.It now appears that the controversy is only the role of third-party payment companies withdraw from the technical to the transition into the financial camp during the episode.The background of this episode is started from the Internet payment company to pay the company a third-party mainstream.For these companies, to survive in the market at the same time, single out the role of Internet companies, among the ranks of the financial value-added business service providers, so that the end-result is very important.
From the end of 2005, Bin Tang, CEO of Beijing YeePay on various occasions stressed that he "financial institutions" role, while the Shanghai quick Kwan, CEO of fast money directly to as "business as a bankvalue-added services based financial service providers. "Almost overnight, all pay the company close the dispute, to report the financial camp, the collective "rejoin."
But it is worth noting that, in this camp to the financial "defectors," the representation, the third party to pay the financial professional groups also face re-learning.Relevant persons, as the right hand re-issued license regulators, the central bank hopes the company can act as a good third-party payment of financial service providers the role of value-added services, "lack of financial common sense to pay the company is clearly unqualified," the source said,For third-party payment companies, access to financial camp, the deep understanding of the financial services is fundamental to their survival.
Replace the "gray" coat
Although this legend of an internal meeting in March on the theme of a more open, but the meeting is still concentrated in the final placement of third-party payment company's business scope.
Tencent s "TenPay" payment platform this time of the seminar also invited.As the largest Internet real-time communication software developers, Tencent has a large direct users.The Internet companies have also been many areas of third-party payment companies as payment of "the most formidable competitor."
Tencent "TenPay" payment mode, the issue of "Q coins" has become the main currency of payment, Tencent trading platform serves as the role of hard currency.This mode of payment through the virtual currency the central bank has caused great concern in the existing financial system, only the central bank has the power to issue currency, act Tencent virtual currency issue, no doubt has been offside.
Allegedly, at this meeting, the central bank show the leadership position, Tencent "TenPay" mode of this virtual currency in the "Administrative Measures for payment and settlement organizations" will be focus of regulation."In the future there may be a unified virtual currency to the People's Bank of China issued its", the participants told reporters that this also means that all current payments through a virtual currency providers are facing a transition.
At the same time, more "gray area" will also be included in the scope of regulation.Since 2004, underground intensified the phenomenon of online gambling move, there are many gambling companies under the banner name of e-commerce, gambling business openly payment transactions.Connecting businesses and banks as middlemen, many of the illegal payment platform that will serve as money "sent sent" role, the lack of rigorous examination of business procedures, on a daily basis in numerous online payment platform, the number of transfers betweenand sale transactions, hard to explain the origin and destination of funds.And behind this, a third-party payment companies direct drive turning a blind eye to this because in the past few years have used terms are "customer precipitation funds" for profit business model."Yellow," "gambling", "black" and other illegal activities online payment transaction is to pay the company to become some of the "customer precipitation funds," the main source.
Because of this, but also directly contributed to the market regulators should start out heavy on this.For more payment provider who will have to get licenses, we must take off before the "gray coat", to face more responsibilities and obligations, and they face a greater problem is that profit model of change and innovation.
But in a creative relationship to the vitality of the entire payment industry.Payment is considered the biggest domestic needs unmet, but the market is currently only in its infancy in urgent need of constant innovation to drive its development.Such regulatory authorities for the central bank, the need to address is the existence of third-party electronic payment company the biggest innovation the possibility of forthcoming policy should encourage rather than restrict this group.
Analysis of the industry, in fact, paid for the electronic monitoring, the signals gradually outward from the central bank, the most important theme has been separated from "delineation of business."President of a payment that "payment and settlement organization and management measures" may be postponed again and again with the controversy concerning the delimitation of the scope of business, this person wishes to convey to the regulatory authorities have become the collective expectations of electronic payment providers - seek regulatory"understanding, support and attention" and hoped the next policy objective can be launched based on industry innovation.