Summary: Recently, the one paper writ of the Central Bank, disturbed tripartite pays the heart of the orgnaization not only, also let sit firmly at the same time the silver-colored couplet that liquidates market oligarch is a little helpless.
Since this year, windbreak danger goes lever was become whole the first job of superintendency layer, the business of a person of same business from banking hands in the collaboration of place to platform of each other gold and gold, revealing the with the power of a thunderbolt and the speed of lightning of superintendency layer everywhere, and father this superintended this Li Jian to point to blame silver to pay this domain again, for a short while it may be said a few joy a few anxious.
To this Li Jian -- " Chinese people bank pays settle accounts department to pay orgnaization network to pay professional work about will be not a bank by connect mode continuously migratory the announcement that handles to net couplet platform " , the personage inside course of study thinks generally " net couplet " the rhythm that advance compares forecast should fast, go up from design carrying a layer on the head and character, "Net couplet " pay an orgnaization partition blame silver " the bank is connected continuously " mode, solve blame bank to pay place of systematic dividing line the trade problem of generation to the bank, the disbursement that leads bank and blame bank systematic development hasten is the same as, on certain level implementation state pays a system to span type develops.
Dispatch of Chinese fortune net (Cao Meng) in recent years, as the rapid development of mobile Internet technology, no matter you are to go out to order meal all right, still pay tax medical treatment, rely on a smartphone basically to be able to be finished, but these around move the function that intelligent terminal place develops often is not circled however expenditure pays this premise.
Ms. Li is the white-collar of an Internet company, work at ordinary times busier, because this often is met,shop on the net order meal. "Be in midday commonly ' hungry ' above dot, had been chosen, pay treasure to pay to be become directly. Shop to be basic also on the net, paid money to arrive the following day almost, very convenient. Very convenient..
Chinese fortune net discovers in the process that visits on the spot, choose the crowd that pays on the net to not be in so like Ms. Li actually a few, pile up those who wait for terms of payment to gain ground as electronic certificate, 2 dimension, the terms of payment of people no longer cash of bureau be confined to, brush the traditional pattern such as card, online even in issueing hypostatic inn to shop, often also can choose to pay the channel such as treasure, small letter to undertake disbursement, shift pays to making the main trend that people pays behavior in daily life gradually.
Show according to watching the data that monitor easily, end dimensions of user of mobile Internet of the China end 2016 already amounted to 880 million person, and shift pays the market to trade dimensions amounts to 35.33 trillion yuan, predict to should trade 2017 the growth rate that dimensions will still carry 100% above, achieve 75 trillion yuan. Face so huge market, pay the Internet tycoon such as treasure, small letter to wage the operation battle that is aimed at an user in succession, threw a large number of business door allowance. In intense market contention falls, relevant report shows, come when this year first quarter end, with trading dimensions calculative shift pays the market share in, pay treasure market share for 54% , tecent money Fu Tong is 40% , 94% what took whole market. If pay the market to trade according to the shift end 2016 only,dimensions is calculated roughly, the capital dimensions that undertakes disbursement through two afore-mentioned tycoons is as high as 33 trillion yuan, does so huge fund trade if why pay what systematic midstream turns in tripartite is if why pay what systematic midstream turns in tripartite,dimensions? Meet these tycoons what profit bring again?
tripartite pays a client to have experience paying gold fathers superintend
What pay setting as shift is even more rich, in recent years tripartite pays got developing more quickly. According to the Central Bank public data shows, end 2016 the 3rd quarter, 267 pay an orgnaization to absorb a client to have Fujin is aggregate more than 460 billion yuan. Alleged client pays gold fully is everybody actually the payment for goods that the businessman should pay in shopping daily, but below the mode that pays in tripartite, these money are not to turn into the account to the businessman directly, in depositing the account that pays an orgnaization in tripartite first however, and affirm when you when getting goods, tripartite pays an orgnaization to turn the payment for goods before this into the businessman's account again.
But at present the client pays golden dimensions to already enlarged such dimensions fully, hard to avoid can exist among this a series of risk hidden danger. The Central Bank points out, it is the risk that the client has existence paying gold is paid orgnaization divert; 2 it is to pay an orgnaization to violate compasses take up the client has Fu Jin is used at buying product of conduct financial transactions or other high venture capital investment; 3 it is to pay an orgnaization to pay golden account to deal with through the equipment that opens in each commercial bank step travel capital liquidation, exceed limits to manage, covert of exercise Central Bank or liquidation organization cross a liquidation function; 4 be client equipment Fu Jin is dispersive deposit, go against pay orgnaization all to prepare fund management, put in liquidity risk.
In addition, the Central Bank still emphasizes particularly, a lot of disbursement the orgnaization pays golden dimensions to earn interest income fully through enlarging a client, deviate offer those who pay a service advocate course of study, those who pay a service the market is cause not to have foreword and disorder on certain level, destroyed the market environment of fair competition.
Actually, this also is why what tripartite pays an orgnaization for loot market share competition is fervent. However, to stop afore-mentioned ventures, the Central Bank was released on January 13 this year " the announcement that general office of Chinese people bank pays orgnaization client to have Fu Jin puts a canal to concern item centrally about carrying out " , specific provision rises from April 17, pay an orgnaization to should have the client Fu Jin comes according to certain proportion deposit appoint an orgnaization special deposit account, of short duration of this account capital not plan Fu Li ceases.
This that is to say the Central Bank asks tripartite pays an orgnaization to hand in certain client to pay gold fully, and this part client has Fu Jin is not to pay tripartite to pay an orgnaization interest, this also prevented to pay an orgnaization with " difference taking advantage " for main profit pattern. Rich of Wang Peng of analyst of center of industry of easy view banking expresses to Chinese fortune net, the Central Bank is all client equipment that the hope can pay to tripartite actually Fu Jinjin is superintended all right, but the scale that puts a valve centrally at present has only very one of. The event of sex of a few risks that produces before this, basically center in imprest card respect, because his profit is inferior, tripartite pays an orgnaization meeting divert equipment related Fu Jinjin rises all right breath, because this Central Bank pays the capital in the domain to flow to pay close attention to very to be not silver, prospective client has Fu Jin puts a valve centrally will be a kind of trends.
Capital shedding is superintended sing iformation flow to superintend come on stage
Recently, the Central Bank allotted " Chinese people bank pays settle accounts department to pay orgnaization network pay professional work about will be not a bank by connect mode continuously migratory the announcement that handles to net couplet platform " (the following abbreviation " " announcement " " ) , this " announcement " specific requirement, each bank and pay an orgnaization to accept the relevant preparation job with net couplet platform and migratory business at be being finished before October 15, 2017, and will rise on June 30 next year, pay what the orgnaization accepts to involve bank account network to pay business to pass processing of net couplet platform entirely.
Consult according to Chinese fortune net data discovery, be in early actually net couplet platform was obtained in October 2016 batch prepare to construct, pay liquidation association to undertake building by China, its purpose is building unified public capital to turn at paying in the light of the network receive liquidation service. And in afore-mentioned Central Bank about " carry out pay orgnaization client to have Fu Jin puts a valve centrally " answer the reporter asks in, to net couplet platform construction also alludes somewhat, the superintendency it may be said that visible Central Bank pays to tripartite is systematization whole hasten severe.
Specific in light of, by this year March, the line on net couplet platform tries move, its cross a liquidation first sums to trade to pay a platform to initiate by Tecent money through small letter red bag, and pay treasure, money Fu Tong, Beijing east the net is silver-colored purse of online, Baidu became first receiving to pay an orgnaization into the tripartite of net couplet platform. End at present, already 9 pay orgnaization and platform of couplet of 12 commercial bank nets that finish to be received. Now annual bottom, net couplet platform plans to be checked and accept through the technology and receive 40 tripartite to pay 200 orgnaization, commercial banks, receive those who pay an orgnaization to trade also will progressively to the limit of one's capacity.
In addition, on July 28, include the Central Bank to liquidate center, money Fu Tong, paid 45 orgnaizations such as business affairs of treasure, silver-colored couplet to had been signed " limited company of net couplet liquidation establishs agreement " , plan to be initiated jointly establish. Net couplet platform is initiated by the Central Bank, specific carry out pay liquidation association to take the lead by China. Basis " limited company of net couplet liquidation establishs agreement " , net couplet registers fund 2 billion yuan (the money is contributive, 3 period pay, contributive scale is respectively 50% , 30% , 20% ) , partner a total 45. Central Bank subordinate 7 units (exchange of place of liquidation of total center of Central Bank liquidation, Shanghai, gold) in all contributive about 760 million yuan, occupy amount to 37% , become the biggest partner, pay treasure and money to pay reduction of fractions to a common denominator to be not held 9.61% , china pays liquidation association to oppose a scale 3% , the delegate is not accorded with endowment of the qualification in Xiaozhi pays orgnaization exercise voting authority.
N/arc drafting: Chinese fortune net
Cut off tripartite to pay " the bank is connected continuously " mode
Before this, because tripartite pays orgnaization and each bank direct butt joint, appeared the client trades the circumstance that the Central Bank cannot superintend. The sea connects negotiable securities to express, tripartite pays an orgnaization to open a client to have account paying gold achieves fund through much home bank step a liquidation, original intention is for embellish of cent of leave out silver-colored couplet, managing pay cost. Come after that " connect mode continuously " the competitive camp that makes tripartite pay an orgnaization gradually, turn the disbursement of the mainstream into mode, but superintending capital shedding, iformation flow is opaque in light of the level, appear easily problem, preparing net couplet platform all the time so.
It is with afore-mentioned Ms. Li ladies exemple, suppose her disbursement treasure account is bound decided one Zhang Zhaoshang bank to get stuck, and the disbursement of business door treasure account is bound those who decide is card of labour travel bank, in sweeping a process that pays shopping fee, she goes out through paying treasure general Qian Congzhao travel change trains, but money did not turn directly in the labour travel card of business door, entered however in paying treasure action travel account, after this pays treasure him reuse to be versed in the equipment in travel account pays gold to turn corresponding amount of business door in paying treasure account. Accordingly, pay treasure to turn with two person of the same trades Zhang, imitate cross a remittance, and the Central Bank flows to this trading capital and iformation flow is not witting.
"The future of net couplet platform will become tripartite pay the data between platform and bank system intermediary and bridge. " concerned controller of money Fu Tong expresses to Chinese fortune net, by the net couplet platform of Central Bank leading construction, safe to mastering data of finance of network capital flow direction, safeguard, and managing the join cost that pays orgnaization and bank system, have its very important sense.
N/arc drafting: Chinese fortune net
In the meantime, collect Fu Tian to issue Mu Haijie of senior vice president to think, pay on the net at present, especially quick the way that pays to still basically rely on to pay a company to join a bank continuously moves, be " much dot joins " ; Of net couplet hold water, get through all disbursement the join between company and bank, come true " a bit join " , this makes the stability that pays a system more the actor, operation cost that pays an orgnaization will be reduced considerably, pay efficiency to also will get promotion.
In addition, rich of king bitter fleabane returns those who point out net couplet platform to hold water on particular significance also is have for the client Fu Jin puts a canal to pave a road centrally, after the Central Bank liquidates all fund information control only, ability knows each pay an orgnaization after all how to many client pays gold fully, thereby its come on collection on time.
In light of whole, from March of platform of spacer screen couplet on the line tries move, to April 17 the client pays golden deposit fully, and the open application of prospective liquidation business, show tripartite pays an orgnaization continuously " the bank is connected continuously " mode. Net couplet platform can be regarded " the bank is connected continuously " substitute, have Fu Jin's deposit is the bargain chip that took off tripartite to pay orgnaization and bank, and the final biff that liquidation business is unlocked is pair of straight couplet mode. In liquidation license plate applies for extremely slashing condition to fall, if continue to begin " the bank is connected continuously " became without according to manage, be suspected of violating thereby compasses.
Did net couplet platform come who is not happy?
Net couplet platform comes quickly, pay to tripartite and character, the tycoon was changed to exceed strong monopoly position infirmly on certain level. Rich of king bitter fleabane expresses, resemble paying volume of the user dimensions such as Fu Tong of treasure, money, financing to be compared pay an orgnaization greatly, depending on before this tremendous trade quantity and bank negotiate fee, the bank interface fee that accordingly these pay an orgnaization is inferior inside course of study, but after net couplet platform is rolled out, future may carry out unified cost lead, and in current excessive level, large pay an orgnaization besides wanting to pay a bank relevant fee, and also should pay net couplet platform fee, these are accordingly large the gain that pays an orgnaization will glide somewhat.
In the meantime, the sea connects negotiable securities to think, of net couplet collect fees although mode and rate are not clear still, but the occurrence of net couplet platform is right in Xiaozhi pays an orgnaization or more advantageous, pay a tycoon to depend on dimensions advantage and client to have the chip such as Fu Jin is in a bank the ability of strong negotiate a price before will be changed infirmly, future pays an orgnaization competition will more fair.
In addition, net couplet platform returned silver-colored to liquidating market oligarch originally couplet to cause bigger impact, prospective home liquidates the market may form double tycoon, or the pattern of many competition. And silver-colored couplet hopes to be able to carry on all the time before this tripartite pays and the earnest wish that accepts the job turns between the bank also at this point undone, and VISA, all things amounts to the application material that waits for international to liquidated an orgnaization to also hand in home to liquidate an orgnaization with this premise, prospective silver-colored couplet will face bigger market pressure.
But the personage inside course of study expresses, at present silver-colored couplet can do liquidation having card already, also can do the liquidation that do not have card, and net couplet platform criterion focusing is in trade without card, but of net couplet platform roll out may promote silver couplet pays an orgnaization further cooperation with tripartite, promotion serves quality, and rate of cost of the liquidation on the line still has drop space, the cost below the line on the line is led or will tend unified.
Bank of blame of conduce of net couplet platform and bank pay a system to develop hasten to be the same as
Some closer year, as people income level rise, consumptive demand upgrades ceaselessly, and the competition that Internet tycoon enhanced blame bank to pay in retail domain subsequently, formed pay a system what be subject to blame bank to pay a system quickly.
Deputy secretary-general of innovation of finance of university of Chinese politics and law and research center of Internet banking legal system Zhao snipe expresses to Chinese fortune net, the disbursement of this kind of be born out of at Internet and electronic business affairs the system is had close apparently gender and break up a gender. Alleged close the gender is to point to what pay a system what be subject to every Internet tycoon to possess capital and information necessarily quickly to close quality, the outside and even the panorama that superintendency branch cannot master system and operation and detail. Alleged break up a gender, it is to show blame bank pays reach its to pay quickly gender and interconnection each other are operated to connect without each other between the system, the market that blame bank pays, technology and product show apparent market segmentation trait.
Data shows, 2016 double 11, pay treasure to pay business peak value to amount to 84 thousand / second; 2017 the Spring Festival, small letter pays red bag to pay business peak value to achieve 120 thousand / second, and the bank that contrasts to it pays business peak value most 30 thousand / second.
Zhao snipe points out, blame bank pays in retail pay a domain to producing its advantage, and this kind of advantage is spreading to liquidation domain, form blame bank to pay the system that pays to the bank dividing line from this. And the effect that this kind of dividing line pays liquidation system and financial system to whole country depends on, it is to go up objectively make the state pays liquidation system fragment to change; 2 it is to go up objectively blurred to pay the border with liquidation, financial business and financial infrastructure " confuse already run " ; 3 it is to went up objectively to turn central bank infirmly - the structure of the commercial bank and function.
Actually, the blame bank disbursement to the bank the main contradiction that systematic dividing line already became the whole world to pay liquidation systematic development. Zhao snipe thinks, of net couplet platform roll out, make on one hand the disbursement that is not a bank system by close gender, break up a gender to change to open gender and integral sex, solved those who have to pay systematic fragment to turn an issue thereby; On the other hand, the Central Bank accuses absolutely to net couplet platform, and the droit in processing of net couplet platform and the depart that operation counterpoises, can go to the lavatory the hasten that the Central Bank guides blame bank and bank to pay a system through net couplet platform develops together, promote cross the each other that pays platform to operate a gender.
Recently, the Central Bank allots an announcement to say, the not having that a few areas advance recently out-of-pocket expense means, take with ant gold wait for collaboration to found wait for an activity without cash city, theme of among them a few conduct propaganda and practice disturbed a RMB current, social echo is bigger, produce bigger misunderstanding to social community. In addition, branch of Central Bank Wuhan is by July still talked about ant gold to take chief about, ask take out is all " without cash " the propagandist catchphrase of the word.
"Disbursement medium is legal money, once form,blame bank pays a system " independent kingdom " the use that reduces people to pay a system to the bank necessarily, change central bank to pay liquidation money of order of establishment implementation law through supervising administrative bank infirmly the ability of supply adjustment and even monetary policy target, weaken the public to decide monetary confidence to the law when financial venture appears even. " Zhao snipe says.
