It is said that I just saw all kinds of fancy tears about cashless, with the payment of a paper on August 4th (August 4th, the central bank payment and settlement department issued "On the non-bank payment institution network payment business from direct connection mode" Moved to the notice of the network platform to process the "Silver Payment [2017] No. 209 document, clear that from June 30, 2018, the payment services accepted by the payment institution involved in the bank account are all processed through the network platform), these days Brother also saw all kinds of fancy crying in various articles around the network "collection and payment company", crying all over, so that brother is very strange. . . Didn't "Wolf Wolf 2" just watch it, have you started to like the rhythm of the iron heart? How can it be moving or a variety of emotions and glass hearts? . . . Especially those who look at the meaning of the text, the people are clouds, and the wind is crying. . .
Therefore, after thinking for a long time, brother is ready to provide a free service, for those who are not very reliable, and also suggest that the table is wrong, let go of the unwarranted panic, think deeply, observe carefully, and constantly explore the accompanying network. The various opportunities and possibilities that emerged from the birth of the United States, the selection of the position in advance, and strive to give the performance in place in the professional performances behind - because the brother was criticized for a long time, so this preparation is divided into two parts, the first part Specialized type, the next part of the talk about the suspense and opportunity brought about by the birth of the network.
About the non-bank payment, the cry of the central bank
The license of the non-banking payment institution is issued by Yang Ma. The word "received" is obviously unprofessional! From the point of view of the management of the bank and the payment company in the past, the mother-in-law really abandoned the emperor's love for the eldest son, and all the leaks were caused by the people's gas. . . . However, if you have to be favored by the mother, you can't let go of her, and make the "de-intermediary" into "regulatory". By directly connecting the bank brother, bypassing the central bank clearing system. . . So naughty and self-willed (there is a comment that uses the word "streaking"), forcing the mother to blow up the "return" assembly number, run farther, and also recognize the ancestors. . . Come and come, everyone will make two cups for this late family reunion. . .
About the two horses with the right to rise and cry
In the shareholder structure of the network, Alipay and WeChat each accounted for 9.61%, according to the list of shareholders' list of capital contributions, Tencent is still in front of Alipay (Alibaba), the two ranked third and fourth, followed by the fifth The online banking online (Jingdong) 4.71%, this can be said that this is Tencent's younger brother Sai ~ ~ so there is an article for this. . . Saying that Yang Ma is a pet, the bank has never cried. (To say that crying is just a sneak peek at the tears... After the rubbing, the younger brothers are going to make a quick deposit...) Can the baby still not sit flat and squat? If it is mustard, shouldn't it really be Baidu? It is said that people are the boss of BATJ, and people also have to pay licenses, but this time they have not even seen the name. . . But you can know that people are burying their heads in the new business and artificial intelligence of the Baixin Bank, and taking your own path, etc., you wake up and chase it. Well. . .
About the cry of the payment company
A large number of nets said that the network "accepted" the payment company, the payment company has a good day, and simply said that they all cried. What the brother wants to say is that in fact, there are a few happy families, and there are good experiences in the family. . . In the era of direct connection, the market was occupied by the giants. There are not many small payment companies that can directly connect with most banks. Similarly, big payment companies do not look at small banks. When talking about fast, they are very proud. Don't say that you can get a good price, so these two people have always been represented. . . This time, you can connect all the things through the network, and the various situations that have not been played before have changed. Don’t you have to ask the grandfather to ask for the grandmother to ask for their smiles?
About the cry of UnionPay
Brother has always felt that it is not so much that UnionPay is crying, it is better to say that UnionPay is "was cried" a lot. . . Most of these articles said that UnionPay had a small brother and a younger brother who had robbed a site because of the mother, so the two brothers vie for favor, not to cry. . . In fact, my brother thinks that you may think more. . .
1, the connector is not required
It is inevitable to have a separate connection between the payment company and the bank. Objectively, the development and supervision of third parties has been in a state of constant adjustment with the changing pattern. Today, if it is necessary to completely solve the problem that the payment company directly connects the bank to bypass the central bank’s liquidation and reserve funds. The difficulty of setting up an intermediate that connects the central bank is an inevitable choice.
From the current situation of the management of major payment institutions, no suitable enterprise can transform to do this important task, and from the situation of third-party payment companies that have developed and cooperated in the mutual wave of gold, this connector There must be a more secure, flexible, and advanced system architecture and management model, as well as a relatively equidistant and friendly interaction with each participant in the payment market. Obviously, a completely new and new start will be a more active and secure arrangement. . . .
With the emergence of the network, and a series of problems to be solved, while the payment market is gradually standardized, all major participants will have more opportunities and a wider competition space. . . To make an inaccurate analogy, everyone used to eat a 6-inch cream cake. Now I have changed the 12-inch fondant. Not only does the visual taste feel upgraded, but the share is also big. . . Dynamic, development, and seeing problems will be more correct observations.
2, UnionPay can not be said to not work hard
The distributors of the remnant banks and payment companies are aware that in November 2014, UnionPay issued the "Notice on Further Defining the Relevant Requirements for Violation of Regulations and Regulations", with the intention of regulating the direct connection between banks and third parties, and gradually circumventing the business of bypassing UnionPay. To the UnionPay platform. Yes, you are not mistaken. At that time, UnionPay was trying to correct the bias. . . It can be seen that the olfactory sense of UnionPay is also quite sharp, but at that time, if the implementation of the "receipt", I am afraid there will be no "prosperous" to pay for the bullets to fly online after a while. . . Zhang Ailing said that life is a gorgeous robe, full of scorpions. . . It depends on whether you focus on the robe or the dice. . . The boundary between innovation and transgression is no different. . . Let's take a look at the scorpion first, and the next one, we will see the robes again. . . Hahaha. . .
3, the bank can not be said to be not passive, the supervision can not be said to be unwilling, the third party can not be said to be involuntary
In the three years of 2011-2014, the regulators once faced the problem of customer information security and risk control in fast payment, and the passive situation of the cautious banks that are not regulated by the same business, and the company’s passive situation. The Notice of Electronic Bank Information Management Work (Sin Yin Fa [2011] No. 86 Document) regulates account authentication, secondary merchant management, and information transfer. The more mainstream in the market is the various private grants behind the No. 86 document: the bank pays the company's reserve deposits, pays the company's bank account management and payment settlement, and UnionPay is the two desires. Open your own elopement, the heart is blue and thin, even if you throw out the above rectification requirements, the effect is also egg. . . Speaking of this, brother still wants to sigh the wisdom of the public, how much is the drop of cattle X, the third-party payment company, from the name of the third party, the payment company haha ​​laughed, the bank and UnionPay began to confuse It is. . .
In late March 2014, the roar between Alipay and the four major state-owned banks broke out. Ma Yun threw out Alipay, please hold it! The essays of the slogan, crying that the four major banks have successively lowered the Alipay fast payment limit after the end of February. According to Ma’s father’s indignation, the four kings’ preludes are the spokespersons of monopoly and power. They lowered the Alipay limit and acted in concert. Non-marketing behavior. . . Ok. . . Look at the bank's situation is a sad reminder, both listening to the mother of the mother, but also listening to the mother, but according to the mother's request to promote the implementation of beneficial wind control, but the company did not respond to the payment. It has also been tied to a monopoly and the right to such a big hat. . .
It is said that the fathers of the horses are indeed masters. The monopoly of these words is the easiest to touch the adrenal glands of the people who eat melons. Compared with excavating the truth and exploring the merits, many people who eat melons prefer the pleasure of siege and fighting. For a time, the bank had to fight. Falling teeth and blood swallowing. . . Huh. . . As a payment company, even the pro-mother must "go to supervise", then the calf and the willfulness of the cockroaches, is it that the supervisor mother can work better than the cow? ! Brother sees it is the turn of the bank to cry for a while. . . Why not cry for a while, now often wash your face with tears. Okay. . .
Looking back on the "monopoly behavior" that the four giants in the father’s mouth had not worked together many years ago, compared with the small ants that now rush to open 2,000 stores without cash and plausible words, it’s really a talented person on the river. Little witch sees the big witch. . . In mid-March of the same year, Yang Ma threw out the third draft for the “Administrative Measures for Payment Organizations' Network Payment Servicesâ€. . . When the brother was reviewing and combing, he suddenly thought about it. These few time nodes and all kinds of roars are one by one, or a lot. . . . Who knows who. . . Ha ha. . .
Well, from the three years from 2014 to the present, the third-party-led online payment is unstoppable, and while the public is enjoying convenience, the market has also emerged from the off-market where the payment channel is completely unperceived and uncontrolled. The risk of fund-raising and the risk of P2P running, customer data, account information disclosure suffered from telecom fraud and even loss of life, and the use of concepts such as cashless cities to occupy the market share of payment, etc. are also being staged, and the situation of comprehensive prevention of Internet financial risks is becoming increasingly urgent.
The depressing things of UnionPay and the bank were born with the birth of the network. Naturally, they gradually began to be resolved: the third party paid back to the central bank to pay the clearing system, the bank could get the full amount of transaction data and was no longer kidnapped by the reserve deposit, and the customer opened the payment. The first time an account is authenticated can be done on a more trusted platform. . .
4, UnionPay can not be described as not sad, but far from the point of crying. . .
Facts have proved that UnionPay's payment business liquidation, which was driven by its own commercial interests and financial security, returned to the matter, and there was no deviation in the direction. It was only the time. Nowadays, regret is not without: finally married, the groom is not me! ! ! Another news came at the same time that Visa, MasterCard, American Express and other overseas card organizations are applying for domestic bank card clearing licenses.
Seeing this, the spectators said that UnionPay must not be brave and proud of the broken things. The complex is also annoyed by the failure to achieve the goal. At the same time, it is also mourned by the attack on both sides. . . It’s inevitable that this crying is inevitable. . . However, I feel that although these are facts, there are still many suspense that have affected the market trend and the industry pattern. So I will discuss the fact that UnionPay is crying, and you are not looking at UnionPay. ! Let us leave it to the next chapter.
Who should cry?
There may be a package asking, is this network connection, is it all happy? of course not! Even the good thing of falling out of the pie in the sky, there will be a small yard, too disapproving of the taste, not worthy of the old godmother, not to ruin the grandfather, suspected of blocking the sun. . . There is nothing perfect in the world. . . Then, if the payment company breaks the direct connection to the network, who will make it cry? Brother boldly guessed it:
If you don’t do well, you will cry.
Use non-bank institutions to connect directly to banks to do money laundering, cash, and telecom fraud. Non-bank payment institutions directly connect to the network, so that the payment company can no longer act as a liquidation organization, real-time monitoring of various transaction information and capital flows back to the central bank clearing system, the same platform and even cross-platform money laundering, cash, organized crimes, etc. The hotbed of waiting no longer exists.
If you have a problem, you will cry.
Directly connected banks and banks, the system stability, error handling, problem response, reconciliation arrangements, customer experience, security performance, etc. of the network platform should be excellent, otherwise banks, payment companies, customers must cry. In other words, the mother-in-law made this decision, I am afraid it is also the determination to make more N back. This is clearly the rhythm of the non-going thing. By the way, interview, network, please feel (pressure) (power) fortunate (not) bless (small) (bar). . .
"The unevenness of the tillers" will cry
In other words, love is easy and getting along is difficult. According to the requirements of the mother, the parties will gradually access the network, and after the access, the market-oriented operation of the network, the network and the UnionPay positioning and the competition mechanism arrangement of various market participants will be paid. Market norms and prosperity bring more expectations. Different solutions to these unresolved factors will surely touch the sensitive nerves of all parties in the market. If the parties in the future can get everything they have and even exceed expectations, why bother? Of course, if there is a bias and there is unfairness, then naturally someone will cry. . . Wait for the next brother to expand one by one.
postscript
By the way, a few words, my brother's article "Online only recognizes that the father of the horse can not accept the eight conjectures of the grandfather's brother" can cause some people to be unhappy, but not happy, you I have to ask first, is the brother telling the truth, is there any exaggeration, and who is it to pay attention to? ! Brother can be responsible for the drop, since the decision to write and decide to send, brother must be carefully scrutinized from the perspective of all the "people" who may be affected, based on the facts and strive to be objective and fair, take into account the feelings of all parties and point to it. The basic principles have never changed, you have to feel uncomfortable, please feel free to come to any place!
For example, the store that is not cash-scheduled arranges the customer's cash, and then uses the clerk's own APP to make online payment, in order to achieve the best of both worlds without cash and cash. This kind of "personal payment" compliance problem, a company holds high The banner of cash society or cashless city is very easy to mislead the public to confuse the concept to promote the cashless payment. Is it appropriate for a company to give a cashless social agenda countdown in Guanwei? Everyone has an answer, and there is no need to entangle.
In any case, Brother believes that the cashless payment itself provides great convenience to the people. Brother is still willing to believe that it is a common goal for everyone to use good things in a proper way.
The purpose of these brothers is actually to say one thing: brother is small, don’t move to scare my brother~
And after the "no cash" hot discussion, after all kinds of quarrels and various attitudes toward the central bank, after the Wuhan People's Bank official website announced the rejection of cash suspected of illegal complaints, and the central bank official micro (Chengfang Thirty-two) Reprinted in Tianjin, the staff of the People’s Bank of China published in the media that “the current law must be respected and the law is advancing with the times is not without principles and bottom line, nor is it “existence and reasonablenessâ€, and the rejection of cash is illegal†Articles, concepts such as cashless payment, cashless city, etc., and whether the merchants can refuse cash in the actual operation, whether the payment enterprise should promote the cashless payment business expansion, etc. in the cashless city or the cashless society, basically Clear.
From the beginning to the end, cashless payments can bring more convenience to life, and there is no need to discuss the facts.
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