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Half Pay The Enterprise Or Leave Because Of The "Threshold".

2010/7/1 8:31:00 53

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The central bank's "non-financial institutions' payment service management measures" has been promulgated recently. The third party online payment industry is still facing the "three sides attack". The China Electronic Commerce Research Center thinks that half pay the enterprise or because of "

threshold

"To leave quietly.

How will the management measures for payment services of non-financial institutions (hereinafter referred to as the "measures") released by the people's Bank of China (PBC) affect China's third party online payment industry? Fang Yingzhi, an e-commerce analyst at the China Electronic Commerce Research Center, told reporters that the market competition will further intensify, and half of the enterprises may be left away because of not enough "threshold".

Fang Yingzhi told reporters that the number of China's third party online payment companies has reached more than 320, and according to the upcoming China e-commerce market monitoring report released in the first half of 2010, according to the upcoming China e-commerce research center, by the end of June this year, the scale of China's online payment market volume is expected to exceed 450 billion yuan mark, an increase of more than 70% over the same period, and continue to maintain a high speed development trend. The third party online payment market can be described as a raging fire.

Fang Yingzhi said: "our e-commerce market monitoring survey shows that as of now, the market share of the third party online payment companies in the top three ranks is Alipay, fortune paid, China.

UnionPay

Electronic payment.

It is understood that the central bank issued the "rules" that non-financial institutions to apply for payment of business licenses, the applicant intends to engage in the nationwide payment business, the minimum registered capital of 100 million yuan, and intends to be in the province (autonomous region, municipality) within the scope of the payment of business, the minimum registered capital of 30 million yuan.

In this regard, the China Electronic Commerce Research Center believes that according to the above application threshold, a few companies that are eligible to apply for the national payment company license are only a few companies, such as Alipay, fortune pay, and Po Po payment. Half of the more than 300 payment companies nationwide have less than 30 million of the capital.

If we want to continue our foothold in this field, the relevant enterprises must get the "quasi birth certificate" through capital raising.

Although half of the enterprises may leave, Fang Yingzhi believes that the threshold set up in the "measures" is not high enough for the mainstream enterprises now occupying the main market share, and the impact will not be too great. The enterprises that are supervised and eliminated are estimated to be mostly small enterprises that are already at a disadvantage in the market competition.

As a matter of fact, the number of non-financial enterprises engaged in payment business is large.

The introduction of the "measures" is to allow the third party online payment market to reshuffle in the coming year.

Fang Yingzhi believes that the introduction of special management measures for the third party payment is also closely related to the "super Internet banking" of the central bank's Internet banking system, which is called "online payment national team", which will be launched in August.

The online banking system will be connected to the Internet banking built by several banks in China to improve the efficiency of banks. "The measures" are central banks' preparations for building a complete regulatory system from banks to third party payment companies.

China's e-commerce research center has previously pointed out that "super

Internet Banking

The launch of the "third party" private enterprises represented by Alipay will cause a great impact and threaten the market position that private payment enterprises have basically established.

However, Fang Ying Zhi believes that although the intervention of the "national team" threatens the monopoly of the industry, the private sector has already had considerable strength ahead of the time. As long as the action is taken as soon as possible, it is entirely possible to further consolidate the market on the basis of existing advantages.

However, it can be determined that the introduction of the "measures" will bring the third party payment business in the "semi sunshine" state into a new stage of "completely sunshine". The third party payment business will be faced with three aspects of Internet payment, "super network banking" of the national team and electronic payment of electronic business platform in the future.

link

Third party online payment and non financial institution payment

The main business types of the third party online payment include the online payment platform, the issuance and settlement of electronic money, the interbank liquidation of bank cards and bills, and centralized collection and payment.

At present, the main third party network payment products in China are Alipay, Fu Tong Tong, Yi Bao payment, PayPal and so on.

In addition, there are some companies that offer prepaid card business, such as the current sales volume of Zi Xin, Carrefour card and so on. The characteristics of this kind of business are the use of magnetic stripe and chip technology to print prepaid cards in the form of cards and passwords.

There is another kind of enterprise that is engaged in bank card collection. At present, many banks have outsourced the bank card consumption receipts business, and the related enterprises mainly collect money funds for the bank card special merchants through the sales terminals (POS).

The "non-financial institutions' payment service management regulations" issued by the people's Bank of China clearly stipulates that Internet payment, prepaid card issuance and acceptance, bank card collection and other payment services determined by the central bank will be included in the supervision of non-financial institutions' payment services.