State above all, the article does not drip in the light of drop & , also not be to inform against. Because drop & drop is a surveyor's pole inside the industry,be only, the mode of business of electric business platform that the business mode that at the same time drop & drips also is a special typical case, so, I just take a & to drip to discuss the issue of the general character inside a few industries as a case, if drop & drop is done very faultlessly, that & drop is worthy of at industry surveyor's pole, can be platform of all cable business kind the enterprise closes typical case of face of stand at attention of compasses management tree if; drips the place that & drips to still have inadequacy, a few proposals that also are user of drop of & of a drop to give drop & drop to put forward; is additional, pass the analysis of case of pair of drop & drop, what also perhaps can help superintendency orgnaization find out a few superintendency respects is blank, ensure the rights and interests of business door, client further.
One, whether to belong to business door to reach principal part receiving sheet about downwind car driver
Arrange the business mode of the windmill according to drop & drop, the business that driver of suitable windmill of author individual understanding should regard drop & drop as to give a platform develop door (before according to the Central Bank Tan is in, be opposite of 296 article unscramble, it is OK that the author thinks to arrange windmill driver according to industrial and commercial total bureau is industrial and commercial door 2017 68 article " about beginning individual and industrial and commercial the job with a pilot reform of the system that register informs " be by the definition " of certain to be engaged in industry individual manage or avoid register " ) ; these business, orgnaization receiving sheet is network engage by special arrangement business door provides service receiving sheet, should with engage by special arrangement business door signs agreement of service receiving sheet. Look at present, no matter the orgnaization provides service receiving sheet to downwind car driver by which, agreement of this service receiving sheet did not appear in App.
2, receive sheet about sheet or line closing to fall on the line
Before the author paragraph the document that time studied all superintendency to pay what release to block definition receiving sheet with the bank about the network. Dan Tan is told in vain, belong to about some kind of terms of payment sheet receives on the line or sheet receives below the line, the basis shows some superintendency files to cannot be judged. Because have superintendency file to judge,sheet receives below the line, basically be from business door it is hypostatic business door dimension spends business door or network and terms of payment is bank card receives sheet or the network pays dimension spends judgement; and two dimension spend above, the standard that the file superintends before all already cannot applicable.
The basis is at present relevant file, can affirm only, 2 dimension pile up the static state that end of driver of drop of & of use drop of taxi driver of drop & drop shows to the passenger (following graph) , belong to " pay an orgnaization to be business of hypostatic engage by special arrangement door (namely taxi driver) offer bar code to pay service receiving sheet " , ought to obtain a bank to block license of business receiving sheet.
But public data shows, drop & drop spent 300 million bought company " one & 9 pay " have only " Internet pays " business license, accordingly, on this setting, "One & 9 pay " whether to exceed permissive limits to manage, be worth to discuss.
3, the property about account of purse of downwind car driver
(One) purse feature
Drop & drop was registered before the author, carried seed of downwind car driver renown attestation, have in drop & drop at present " purse " option (following graph) .
Have in L purse " remaining sum " concept
Have in L purse " carry now " pushbutton, can carry the bank that passes to classics platform test and verify now to block;
L is additional, the remaining sum of purse can buy product of conduct financial transactions directly " treasure of orange of gold of drop & drop " , and supportive remaining sum turns automatically.
(2) about account property and the doubt that add up to compasses sex
Integrated the exterior feature of this purse account, basis " blame bank pays orgnaization network to pay business government way " (announcement of Chinese people bank [2015] the 43rd) : "Own to paying an orgnaization or entrust Cooperation Agency with face-to-face the individual client that means checks the status, or in order to be not face-to-face means has the capacity through the exterior channel of at least 5 lawful safety basic message is multiple the individual client of alternate test and verify, pay an orgnaization to be able to think its open Ⅲ kind pay account, account remaining sum can be used at consumption, turn Zhang and buy the finance such as investment conduct financial transactions kind product, its are all the remaining sum that pays account pays trade year of accumulative total do not exceed 200 thousand yuan (do not include to pay account to him client homonymic bank account turns Zhang) " , the author judges this purse account should be " III kind the individual pays account "
When discussing with the personage inside a few course of study yesterday, the problem of setting itself it doesn't matter of this account, but in light of the process that union controls sheet, have bit of problem it seems that, if of front receiving sheet is A orgnaization will do, but the III that receives only fund to turn into B orgnaization kind the individual pays account, can involve what gold pays fully between different orgnaization receiving sheet so " connect continuously " , existence violates compasses suspicion.
Finally, because before paragraph time " empty elder sister multiplies drop & drop to arrange incident of windmill be murdered " , bring about drop & drop to went out to upgrade to arrange flow of windmill test and verify all right, before accepting the order every time, the driver needs to be an upright person facial identifying is solid renown attestation, dusk when, discover special by the way order, because the light is too dark, the car stopped roadside to do 5 minutes person face identifies, took wife mobile phone to open flashlight filling light later, just identify attestation through person face, result order was grabbed, then today, I was registered silently " Di & Da goes out row " , so, whether does Di & Da go out to also be put in same question all right?
Fine think of extremely fear...
Objective law makes clear, the development of business can antedate commonly of superintendency policy come on stage, accordingly, whether to close about certain business compasses, still should act on development and adj method to undertake thinking, there still is more and strong voice inside course of study, the hope superintends each, include but not travel of person of be confined to, industrial and commercial, traffic appoint, business affairs appoint wait for an orgnaization to be able to publish more clear and meticulous industry standard and detailed rules as soon as possible, make clear the of all kinds and relevant risk of innovation business as soon as possible. This also is author compose the biggest original intention of the article.
Above doubt, still pay an everybody the expert please undertake discussion jointly.
PS: Acknowledgment shift pays elder sister of wind of ginger of adult of network editor in chief and everybody to leave a message enthusiasticly the opinion that the netizen offers in the light of the article and the contribution that make.
Bibliographical reference:
" the Central Bank pays department tool to grow Tan Jinghui to unscramble everywhere 296, 281 article: Purge pays and liquidate, want radically reform " (achieve formerly: Finance and economics of Li Yian cross on Feburary 23)
" blame bank pays orgnaization network to pay business government way " (announcement of Chinese people bank [2015] the 43rd)
" blame bank pays orgnaization network to pay business government way " clausal paraphrase
" the announcement that Chinese people bank concerns item about improving individual bank account to classify management " (silver hair [2018]16 date)
" Chinese people bank pays settle accounts management to be on guard about strengthening new-style illegal crime concerns telegraphic network the announcement of item " (silver hair [2016]261 date)
" the announcement that Chinese people bank runs a system about fulfilling individual bank account to classify " (silver hair 〔 2016 〕 302)
" Chinese people bank about print and distribute " bar code pays business the standard (try out) " announcement " (silver hair [2017]296 date)
" bank card receives only business to run way " (announcement of Chinese people bank [2013] the 9th)
" blame finance orgnaization pays service government way " (Chinese people bank makes [2010] 〕 the 2nd)
