Issued By The People'S Bank Of China On Guiding Opinions On Mobile Payment Business Development

"P" recently, the central bank issued the first guidance on mobile payment, the guidance of the people's Bank of China on the development of mobile payment business (hereinafter referred to as "guidance").

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In its drafting instructions, it is pointed out that for some Payment institutions, such as the payment of accounts or their associated bank accounts by the mobile phone two-dimensional code, etc., it can be used for the on-site trading of the entity merchants. On the one hand, it will play a positive role in training the public's hand payment habits and facilitating small non cash payment. From the perspective of encouraging innovation, the people's Bank of China can give some observation period; on the other hand, the business is still in the exploratory stage, the business mode is diverse, and a unified safety technology standard and a perfect risk control system have not yet been formed. The acceptance and confidence of the public in this way of payment should also be tested by the market. Therefore, at present, the people's Bank of China is not allowed to recognize its legality in the management system for the time being. "P" is a new technology. < p

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< < p > > the second chapter of the guiding opinions clearly points out that we should vigorously develop the mobile payment business of commercial banks and standardize the development of mobile payment business of Payment institutions.

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< p > "from the attitude of regulators, we can see that the protagonists in mobile payment should be commercial banks, and Payment institutions only need standardized supporting roles."

Some paid people pointed out.

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< p > < strong > no near field payment > /strong > /p >

< p > instruction is to explain mobile payment, that is, mobile phone as a payment terminal, based on remote information interaction between remote communication network and background server (i.e. remote payment), or to initiate payment instruction (near field payment) based on near field information interaction between mobile phone and receiving terminal, so as to realize payment mode of money pfer.

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< p > mobile payment is a part of network payment. Besides, network payment includes pfer of money through Internet payment, fixed telephone payment, digital TV payment and so on.

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< p > Internet payment is the main form of payment for the payment institutions. Among them, Alipay and Cai Fu Tong occupy 80% of the market share.

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< p > according to iResearch statistics, in 2013, the amount of Internet payment was 5 trillion and 400 billion yuan, and mobile phone payment was 1 trillion and 200 billion yuan.

The latter can not be compared with the Internet payment, but the growth can not be underestimated. In 2013, the turnover increased by 6 times compared with 2012.

Internet payments have not doubled.

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< p > perhaps, because the sudden rise of mobile payment has aroused the special attention of the regulatory authorities, and then issued guidance.

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< p > Nuggets mobile payment participants are mainly commercial banks and Payment institutions.

In the mobile payment field, payment agencies originally only pay remote payment cakes.

However, over the past two years, Payment institutions have not been satisfied with this, and begin to extend from online to offline.

Especially with the maturity of payment technology under the two-dimensional code line, the third party payment agencies began to seize the near-field payment market of mobile payment.

Commercial banks are also actively engaged, with operators, mobile phone manufacturers and so on to promote the NFC near - field payment.

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< p > but regulators have different attitudes towards Payment institutions and commercial banks.

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< p > "guiding opinion" points out that only when obtaining the qualification of bank card collection business, Payment institutions can provide commercial entities with commercial banks' near-field acceptance services for issuing bank cards (accounts) and mobile electronic cash directly in the payer's mobile phone security carriers, and apply the relevant provisions on the management of bank card collection business.

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< p > this means that according to < < a href= > http://www.91se91.com/news/index_c.asp > > < /a >, the payment institution also has the qualification of Internet payment business and the qualification of bank card collecting business, so as to carry out the offline near field payment, and the three party payment institutions such as Alipay have the above two kinds of payment business qualification.

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< p > however, even the payment mechanism's near-field payment is still difficult to carry out.

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< p > reporters learned from the legal profession of a payment institution. "According to the requirements of the" bank card acquirer business guidance "that has been implemented last year, local receipts must be landed at local branches, and the payment institutions can not set up branches and outlets like banks. This is too expensive for the Payment institutions, so payment under the payment mechanism is basically impossible.

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< p >, which means that payment institutions will not be able to "a href=" http://www.91se91.com/news/index_c.asp "O2O < /a >.

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< p > one side is flame, one side is seawater.

In the guidance, the regulatory authorities clearly pointed out: encourage commercial banks to expand the application of NFC mobile near field payment.

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In "P", "guidance", the central government acts on the three identities of commercial banks, Payment institutions and bank card clearing agencies.

Commercial banks should continue to play a basic and promoting role in the mobile payment service market; Payment institutions should further utilize the advantages of flexible mechanism and strong innovation ability, strengthen risk management, and form extensions and supplements to traditional payment services in the field of microfinance payment; bank card clearing institutions should continue to play a pivotal role in the bank card industry chain, and provide secure and efficient bank card paction processing and clearing services for mobile payment businesses.

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< p > < strong > Payment institutions shall not cross the border > /strong > /p >

< p >, therefore, payment agencies almost have no payment for near field payment.

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< p > in addition, the guidance also points out that payment institutions must not develop mobile payment services based on customer's communication accounts.

Insiders explained to reporters that the so-called communication accounts refer to mobile phone numbers, Tencent QQ and micro signals.

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< p > "according to the guidance of this version, this means that WeChat's business, such as tick taxi, is suspended.

On the surface, Didi taxi is the bank card that is directly drawn when payment is made.

But the business is built on the basis of WeChat, and there is also a passageway for money paying accounts. "

Close to money paid people said.

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< p > if the regulations are true, a number of businesses such as a href= "http://www.91se91.com/news/index_c.asp" > payment institution < /a > will be suspended.

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< p > in fact, this is actually the regulatory thinking of regulators, all kinds of payment business should be balanced development, no cross boundary.

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< p > it is understood that the central bank has issued five types of payment licenses for non-financial institutions, which are divided into Internet payment, mobile phone payment, bank card collection, prepaid card issuance and acceptance, currency exchange and so on.

As of February 2014, the central bank has issued payment licences to 250 non-financial institutions, including 97 of them engaged in online payment, 54 engaged in bank card collection business, and 166 engaged in prepaid card business.

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< p > the central bank has been developing for several years to improve the supervision of payment.

In June 2010, the central bank issued the "guidance advice on payment services for non-financial institutions"; in September 2012, the central bank issued the "guidance advice on payment card prepayment business"; in July 2013, the central bank issued the "bank card acquirer business guidance"; in March 2013, issued the "guiding opinions on payment network business of Payment institutions" and "guiding opinions on the development of mobile payment business" and solicited opinions.

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