Third-party payment has been developing rapidly since the release of Decree No. 2 in 2010. It has received 269 licensees and tens of thousands of agents engaged in offline acquiring business. The entire industrial chain has supplemented the payment of the original commercial bank. Development promotion, especially mobile payment in terms of innovation and market share far exceeds that of commercial banks. Yesterday, regarding the central bank’s “Notice of Payment and Settlement in 2015â€, Xiaobai and his friends read no less than three editors, and they believe that in 2015, Well, the change will be a turning point in the payment industry! You said, "Xiaobai, you fart, I don't feel the wind, I should accept the receipt, the appointment (yu e) treasure is about the treasure, the mountain does not turn water." Don't worry about the guest, why? When Xiaobai was born, he said that Xiaobaijue is high, so Xiaobai first mentions you, there are several winds, you have to remember, it really has to change!
1. The separation of borrowing and borrowing is a foregone conclusion
1. The separation of borrowing and borrowing is a foregone conclusion
At the meeting of the bank card pricing system in 2014, the director of the payment department Fan said that the rules of the game should be changed in the future. The future is a rate for debit cards, a rate for credit cards, and what people's livelihoods, wholesales, and restaurants are all smashed. . . Uneasy industry is coming, but you can face another problem. The profit of each industry is different. This is a test. There is a possibility that there are several types that will not be defamed in the debit card consumption, do not believe? Haha walked.
2. Overseas card organization into China, VISA MasterCard, American Express, JCB into "street card"
After VISA MasterCard, American Express and JCB came to China, they will definitely find a bank to cooperate with the card issuance and acceptance. At the beginning of the 4th, 5th and 3rd, the card will be rotten. In the past, those who started with 62 felt that it was not enough for B and could not open the double standard. The domestic silk reel of the credit card has finally been solved, but will these foreign card clearing organizations be acclimatized and planted in front of UnionPay, which has been entrenched for more than a decade? It is possible that although UnionPay is not as old as the previous foreigners, it has made great efforts in the construction of the domestic card issuance system. In the renminbi business rules, PBOC2 and 3, they all personally participated in the design. It is already a young adult, not a moment. Can you stumble, let's say that the rate of foreigners is so high, do you really have low domestic rates?
3. Bank card clearing access mechanism released
This is a small stove for domestic third-party payment and commercial banks. It is also considered to be a welfare after the WTO event. If it is not opened to overseas brands so early, it is estimated that it will take several years for the domestic card organization to be done. Who can do it in China? Xiaobai sent an analysis before, and got a few reserve teams, such as Alipay, Industrial and Commercial Bank, Beijing Rural Commercial Bank, and Zhengtong, all of which have the meaning. It is estimated that they can also get qualifications. As soon as one or three of the worlds broke, it’s awkward, and it’s not easy to manage, step by step, and a family’s hair.
4. Remote account opening, the first step of subverting the network
Internet banking is actively implementing remote account opening. One is to embody a bank with Internet thinking, to open fewer outlets, or not to rely on outlets; secondly, to reduce costs, to rent land to buy land, decoration, security, three; Reduce the cost of this service, more efficient, save savers time, do not have to watch the bank to sing empty city plan (multiple windows on a window teller, others are licking melon seeds). Hurry up, Xiaobai no longer wants to get a number and wait for two hours.
5. The new version of "No. 2" is issued
At this year's two sessions, the presidents of the two People's Bank branches proposed to issue a new Order No. 2 to supervise third-party payment institutions. For five years, should the regulations be strengthened? Xiaobai believes that the new version of the 2nd order may be released in the future, especially the supervision of the customer's reserve fund should be more clear, and the reserve fund custodian bank should be correspondingly required.
6. Third-party payment will come again with a wave of mergers
In the past few years, Jingdong received online banking online, Ping An payment integrated Leica club, Shanghai Jieyin, Wanda joint fast money, etc., all reflect that the payment industry is a game that can play, if there is no ability to continue to develop, combined mergers, and group heating It’s not a direction. It’s a sneak peek with some institutions and some customers like to pay for the customer’s payment. The result is that Xiaobai predicts that a large consortium will have a big movement, and want to sell it quickly and wash his ass.
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