The authoritative media recently reported that the e-commerce service platform represented by Mushroom Street, Two-Dimensional Fire and Like has successively accepted the central bank's interview research and window guidance in the past six months, because the platform business has financial risks.
According to relevant sources of the central bank: "The flow of capital flows of these companies is very similar. Although the cooperation with payment institutions such as WeChat and Alipay was introduced very early, the payment institution only intervened in the role of payment channel. The account system of the platform itself is managed. In other words, the flow of funds of these e-commerce companies is mostly through cooperation with payment institutions such as WeChat and Alipay, but the payment institution only undertakes the channel function and does not have the account of the platform itself. Hosting, thus forming a "big business + two clear" model. The former refers to the case where a plurality of POS merchants share a merchant code; the latter refers to the payment company or the bank paying the settlement amount of the POS machine to a certain person or a company, and then the company or individual is settled to the merchant. Both are illegal.
According to the information, Mushroom Street is an e-commerce website focusing on fashionable female consumers. It provides clothing, shoes, bags, accessories and beauty products for young women. It is essentially an Internet company, but as the company grows slowly, At the business level, a certain amount of funds has been formed. Two-dimensional fire is a service provider that focuses on the research and development and application of the catering cloud cash register system. The business is mainly to help the catering and other industries to realize Internet informationization, such as mobile phone ordering and payment. , marketing interaction, etc.; praise is based on the SaaS model, to provide merchants with micro-Mall system and complete mobile e-commerce solutions technology service providers, under the company has a micro-Mall, have a good cash register, have a good supplier, have a small Shop, have praise wholesale and other products. These companies do not have the license to pay their own, they do not have the qualifications to engage in the payment and clearing business, and they cannot retain the merchant funds. At the same time, once a large amount of funds have been deposited, the impact of the volume is very large. This is the main reason for the central bank’s intervention.
In fact, these e-commerce platforms are very consistent with the traditional shopping malls in the logic of payment settlement. They all receive the payment from customers and then distribute the various enterprises on the platform. Therefore, there will inevitably be the situation that the payment funds are stuck on their platforms. . As long as the funds remaining on the account reach a certain scale, a run will lead to a chain of people's livelihood problems. Compared with traditional shopping malls, once the road running event has a wider spread, the impact is even worse.
It seems that applying for a license is the most direct solution to the above platform, but this is actually more difficult than going to heaven. According to the relevant regulations, if the applicant intends to engage in payment business nationwide, the minimum registered capital is 100 million yuan. If the applicant intends to engage in payment services within the province (autonomous region or municipality), the minimum registered capital is 3,000. Ten thousand yuan. Moreover, the current issuance of licenses has almost stagnated, and from August 2015 to January 2016, three payment licenses were cancelled, and a series of policies and regulations issued a clear signal. The central bank will focus on the third-party payment industry in accordance with the principles of total control, structural optimization, quality improvement, and orderly development, focusing on the supervision and rectification of the licensed institutions.
In contrast, direct acquisition of a payment license is a good choice. It is understood that 360 and Ctrip are actively looking for suitable payment license acquisition targets. However, not all e-commerce platforms have such strength. Since the central bank began tightening payment licenses last year, the only 260 institutional enterprises that have paid licenses in the market have become scarce resources, and the transaction price in the market is as high as 500-600 million yuan. At the same time, although the relationship between supply and demand supports the rise of payment licenses, from a deeper perspective, the current pattern of third-party payment industry has already formed, and large institutions such as WeChat and Alipay occupy the majority of the market. For the organization, it is not worth it to spend hundreds of millions of dollars to purchase a payment license for a small payment institution.
For some emerging e-businesses, the more feasible and efficient way is still to seek external cooperation, such as cooperating with banks and some third-party payments for account hosting. It is reported that Mushroom Street is now in talks with some local banks in Hangzhou. The relevant person in charge of Mushroom Street recently responded: “We also realized this problem after communicating with the central bank, and we also understand the concerns of the regulatory authorities. During this half year, the system has cooperated with Alipay to carry out system transformation and solved it. The issue of compliance. Now I am still communicating with several big banks and third-party service organizations, and hope to further improve the compliance of our payment system."
According to relevant sources of the central bank: "The flow of capital flows of these companies is very similar. Although the cooperation with payment institutions such as WeChat and Alipay was introduced very early, the payment institution only intervened in the role of payment channel. The account system of the platform itself is managed. In other words, the flow of funds of these e-commerce companies is mostly through cooperation with payment institutions such as WeChat and Alipay, but the payment institution only undertakes the channel function and does not have the account of the platform itself. Hosting, thus forming a "big business + two clear" model. The former refers to the case where a plurality of POS merchants share a merchant code; the latter refers to the payment company or the bank paying the settlement amount of the POS machine to a certain person or a company, and then the company or individual is settled to the merchant. Both are illegal.
According to the information, Mushroom Street is an e-commerce website focusing on fashionable female consumers. It provides clothing, shoes, bags, accessories and beauty products for young women. It is essentially an Internet company, but as the company grows slowly, At the business level, a certain amount of funds has been formed. Two-dimensional fire is a service provider that focuses on the research and development and application of the catering cloud cash register system. The business is mainly to help the catering and other industries to realize Internet informationization, such as mobile phone ordering and payment. , marketing interaction, etc.; praise is based on the SaaS model, to provide merchants with micro-Mall system and complete mobile e-commerce solutions technology service providers, under the company has a micro-Mall, have a good cash register, have a good supplier, have a small Shop, have praise wholesale and other products. These companies do not have the license to pay their own, they do not have the qualifications to engage in the payment and clearing business, and they cannot retain the merchant funds. At the same time, once a large amount of funds have been deposited, the impact of the volume is very large. This is the main reason for the central bank’s intervention.
In fact, these e-commerce platforms are very consistent with the traditional shopping malls in the logic of payment settlement. They all receive the payment from customers and then distribute the various enterprises on the platform. Therefore, there will inevitably be the situation that the payment funds are stuck on their platforms. . As long as the funds remaining on the account reach a certain scale, a run will lead to a chain of people's livelihood problems. Compared with traditional shopping malls, once the road running event has a wider spread, the impact is even worse.
It seems that applying for a license is the most direct solution to the above platform, but this is actually more difficult than going to heaven. According to the relevant regulations, if the applicant intends to engage in payment business nationwide, the minimum registered capital is 100 million yuan. If the applicant intends to engage in payment services within the province (autonomous region or municipality), the minimum registered capital is 3,000. Ten thousand yuan. Moreover, the current issuance of licenses has almost stagnated, and from August 2015 to January 2016, three payment licenses were cancelled, and a series of policies and regulations issued a clear signal. The central bank will focus on the third-party payment industry in accordance with the principles of total control, structural optimization, quality improvement, and orderly development, focusing on the supervision and rectification of the licensed institutions.
In contrast, direct acquisition of a payment license is a good choice. It is understood that 360 and Ctrip are actively looking for suitable payment license acquisition targets. However, not all e-commerce platforms have such strength. Since the central bank began tightening payment licenses last year, the only 260 institutional enterprises that have paid licenses in the market have become scarce resources, and the transaction price in the market is as high as 500-600 million yuan. At the same time, although the relationship between supply and demand supports the rise of payment licenses, from a deeper perspective, the current pattern of third-party payment industry has already formed, and large institutions such as WeChat and Alipay occupy the majority of the market. For the organization, it is not worth it to spend hundreds of millions of dollars to purchase a payment license for a small payment institution.
For some emerging e-businesses, the more feasible and efficient way is still to seek external cooperation, such as cooperating with banks and some third-party payments for account hosting. It is reported that Mushroom Street is now in talks with some local banks in Hangzhou. The relevant person in charge of Mushroom Street recently responded: “We also realized this problem after communicating with the central bank, and we also understand the concerns of the regulatory authorities. During this half year, the system has cooperated with Alipay to carry out system transformation and solved it. The issue of compliance. Now I am still communicating with several big banks and third-party service organizations, and hope to further improve the compliance of our payment system."
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