当前课程知识点:Introduction to E-Commerce > Chapter 5 Online Banking and E-payment > 5.3 Third party payment > 5.3.3 Discussion
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The Countdown Mode of 100% Centralized Deposits of Reserve Fund and the Intensified Differentiation of the Third-party Payment Industry
The Countdown Mode of 100% Centralized Deposit of Reserve Fund of Third-party Payment Institutions
The Termination of the Era of "Lying Down to Earn Money"
The Payment and Settlement Department of the People's Bank of China issued an extra urgent document named "Notice on the Relevant Work of Payment Institutions to Cancel RMB Customers’ Reserve Accounts", requiring all third-party payment institutions to cancel reserve accounts of RMB customers before January 14, 2019, The reserve fund would be taken over by the People's Bank of China, thereby realizing 100% centralized deposit.
A number of payment institutions told YICAI that important tasks have been completed. They have cut off their direct connection to the banks, 100% of the reserve fund has been centrally deposited, and reserve accounts of RMB customers opened in commercial banks has been cancelled.
They have cut off their direct connection to the banks, which is complementary of the deposit of the reserve fund. "The reserve fund is deposited to the People's Bank of China, which can also solve the problem of direct connection. After accounts of reserve fund are cancelled in banks, there is no possibility of payment institutions to directly connect with banks."
The Disappeared Bargaining Power on Channel Fee
It is foreseeable that after the centralized deposit of reserve fund and the direct disconnection of banks, the market will be reallocated. "Since small and medium-sized commercial banks do not have large card usage and high liveness, they obviously hope that the port fee will be low to bring more transactions. However, there are some commercial banks that have a large customer base and good services, their port fee can be higher." It is also a problem that needs to be coordinated and solved by the supervision bureau to avoid causing excessive transaction costs.
Tremendous Pressure for Transformation
With the gradual disappearance of the reserve bonus, third-party payment institutions are faced with tremendous pressure for transformation. Many industry insiders believe that it is necessary to combine the scenarios to break through the obstacles, and it is not enough to just do the channel.
Restricted by the centralized deposit of reserve fund, companies of prepaid cards suffer from the greatest impact. Previously, a listed institution in National Equities Exchange and Quotations (NEEQ) mainly engaged in prepaid cards, earning 50%-60% of its income from the interest on the reserve fund, and about 40% from handling fee of the merchants and about 10% from the residual value in the prepaid cards. After the formulation of the new policy, its annual report showed that the company's overall income has increased, technical service fee has upgraded, while the interest rate has fallen severely.
Data Source: http://www.dsb.cn/92967.html with deletion and arrangement
Questions:
1. Why is it necessary to complete the transaction "to broken direct connection with banks" and realize 100% centralized deposit of the reserve fund?
2. What are the opportunities and challenges for third-party payment institutions under the new policy?
返回《Introduction to E-Commerce》慕课在线视频列表
-1.1 Concept of E-commerce
--1.1.4 Homework
-1.2 E-commerce and Traditional Commerce
--1.2.1 E-commerce and Traditional Commerce
--1.2.4 Homework
-1.3 Emergence and Development of E-commerce
--1.3.1 Emergence and Development of E-commerce
--1.3.4 Homework
-Unit1 Test
--Test
-2.1 Framework of E-commerce
--2.1.1 Framework of E-commerce
--2.1.4 Homework
-2.2 B2B E-commerce Model
--2.2.4 Homework
-2.3 B2C E-commerce Model
--2.3.4 Homework
-2.4 C2C E-commerce Model
--2.4.4 Homework
-2.5 Innovation of E-commerce Models
--2.5.1 Innovation of E-commerce Models
--2.5.4 Homework
-Unit 2 Test
--Test
-3.1 Overview of E-commerce Security
--3.1.1 Overview of E-commerce Security
--3.1.4 Homework
-3.2 Network Security(1)
--3.2.4 Homework
-3.3 Network Security(2)
--3.3.4 Homework
-3.4 Transaction Security(1)
--3.4.1 Transaction Security(1)
--3.4.4 Homework
-3.5 Transaction Security(2)
--3.5.1 Transaction Security(2)
--3.5.4 Homework
-3.6 E-commerce Security Protocol
--3.6.1 E-commerce Security Protocol
--3.6.4 Homework
-Unit 3 Test
--Test
-4.1 Overview of Internet Marketing
--4.1.1 Overview of Internet Marketing
--4.1.4 Homework
-4.2 Internet Marketing Methods(1)
--4.2.1 Internet Marketing Methods(1)
--4.2.4 Homework
-4.3 Internet Marketing Methods(2)
--4.3.1 Internet Marketing Methods(2)
--4.3.4 Homework
-4.4 Internet Marketing Strategy(1)
--4.4.1 Internet Marketing Strategy(1)
--4.4.4 Homework
-4.5 Internet Marketing Strategy(2)
--4.5.1 Internet Marketing Strategy(2)
--4.5.4 Homework
-Unit 4 Test
--Test
-5.1 E-payment
--5.1.4 Homework
-5.2 E-money
--5.2.4 Homework
-5.3 Third party payment
--5.3.4 Homework
-5.4 E-payment System and Online Banking
--5.4.1 E-payment System and Online Banking
--5.4.4 Homework
-Unit 5 Test
--Test
-6.1 Overview of Logistics
--6.1.4 Homework
-6.2 Overview of E-commerce Logistics
--6.2.1 Overview of E-commerce Logistics
--6.2.4 Homework
-6.3 E-commerce Distribution
--6.3.1 E-commerce Distribution
--6.3.4 Homework
-6.4 Automatic Identification Technology
--6.4.1 Automatic Identification Technology
--6.4.4 Homework
-6.5 Intelligent Logistics
--6.5.4 Homework
-Unit 6 Test
--Test
-7.1 Overview of Supply Chain Management
--7.1.1 Overview of Supply Chain Management
--7.1.4 Homework
-7.2 Supply Chain Management Strategy
--7.2.1 Supply Chain Management Strategy
--7.2.4 Homework
-7.3 The Development Trend of SCM
--7.3.1 The Development Trend of SCM
--7.3.4 Homework
-Unit 7 Test
--Test
-8.1 Overview of Mobile Commerce
--8.1.1 Overview of Mobile Commerce
--8.1.4 Homework
-8.2 Related Technologies of Mobile Commerce
--8.2.1 Related Technologies of Mobile Commerce
--8.2.4 Homework
-8.3 Applications/Uses of M-commerce
--8.3.1 Applications/Uses of M-commerce
--8.3.4 Homework
-Unit 8 Test
--Test
-9.1 Overview of the Legal Environment of E-commerce
--9.1.1 Overview of the Legal Environment of E-commerce
--9.1.4 Homework
-9.2 Legal Regulations for E-commerce Transactions
--9.2.1 Legal Regulations for E-commerce Transactions
--9.2.4 Homework
-Unit 9 Test
--Test
-10.1 E-commerce Development Trend
-10.4 Homework
-Unit 10 Test