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5.3.3 Discussion

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?


下一节:5.3.5 Suggested Answers

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Introduction to E-Commerce课程列表:

Course Introduction

-Course Introduction

Chapter 1 Overview of E-commerce

-1.1 Concept of E-commerce

--1.1.1 Concept of E-commerce

--1.1.2 PPT

--1.1.3 Discussion

--1.1.4 Homework

--1.1.5 Suggested Answers

-1.2 E-commerce and Traditional Commerce

--1.2.1 E-commerce and Traditional Commerce

--1.2.2 PPT

--1.2.3 Discussion

--1.2.4 Homework

--1.2.5 Suggested Answers

-1.3 Emergence and Development of E-commerce

--1.3.1 Emergence and Development of E-commerce

--1.3.2 PPT

--1.3.3 Discussion

--1.3.4 Homework

--1.3.5 Suggested Answers

-Unit1 Test

--Test

Chapter 2 Framework and Model of Electronic Commerce

-2.1 Framework of E-commerce

--2.1.1 Framework of E-commerce

--2.1.2 PPT

--2.1.3 Discussion

--2.1.4 Homework

--2.1.5 Suggested Answers

-2.2 B2B E-commerce Model

--2.2.1 B2B E-commerce Model

--2.2.2 PPT

--2.2.3 Discussion

--2.2.4 Homework

--2.2.5 Suggested Answers

-2.3 B2C E-commerce Model

--2.3.1 B2C E-commerce Model

--2.3.2 PPT

--2.3.3 Discussion

--2.3.4 Homework

--2.3.5 Suggested Answers

-2.4 C2C E-commerce Model

--2.4.1 C2C E-commerce Model

--2.4.2 PPT

--2.4.3 Discussion

--2.4.4 Homework

--2.4.5 Suggested Answers

-2.5 Innovation of E-commerce Models

--2.5.1 Innovation of E-commerce Models

--2.5.2 PPT

--2.5.3 Discussion

--2.5.4 Homework

--2.5.5 Suggested Answers

-Unit 2 Test

--Test

Chapter 3 E-commerce Security

-3.1 Overview of E-commerce Security

--3.1.1 Overview of E-commerce Security

--3.1.2 PPT

--3.1.3 Discussion

--3.1.4 Homework

--3.1.5 Suggested Answers

-3.2 Network Security(1)

--3.2.1 Network Security(1)

--3.2.2 PPT

--3.2.3 Discussion

--3.2.4 Homework

--3.2.5 Suggested Answers

-3.3 Network Security(2)

--3.3.1 Network Security(2)

--3.3.2 PPT

--3.3.3 Discussion

--3.3.4 Homework

--3.3.5 Suggested Answers

-3.4 Transaction Security(1)

--3.4.1 Transaction Security(1)

--3.4.2 PPT

--3.4.3 Discussion

--3.4.4 Homework

--3.4.5 Suggested Answers

-3.5 Transaction Security(2)

--3.5.1 Transaction Security(2)

--3.5.2 PPT

--3.5.3 Discussion

--3.5.4 Homework

--3.5.5 Suggested Answers

-3.6 E-commerce Security Protocol

--3.6.1 E-commerce Security Protocol

--3.6.2 PPT

--3.6.3 Discussion

--3.6.4 Homework

--3.6.5 Suggested Answers

-Unit 3 Test

--Test

Chapter 4 Internet Marketing

-4.1 Overview of Internet Marketing

--4.1.1 Overview of Internet Marketing

--4.1.2 PPT

--4.1.3 Discussion

--4.1.4 Homework

--4.1.5 Suggested Answers

-4.2 Internet Marketing Methods(1)

--4.2.1 Internet Marketing Methods(1)

--4.2.2 PPT

--4.2.3 Discussion

--4.2.4 Homework

--4.2.5 Suggested Answers

-4.3 Internet Marketing Methods(2)

--4.3.1 Internet Marketing Methods(2)

--4.3.2 PPT

--4.3.3 Discussion

--4.3.4 Homework

--4.3.5 Suggested Answers

-4.4 Internet Marketing Strategy(1)

--4.4.1 Internet Marketing Strategy(1)

--4.4.2 PPT

--4.4.3 Discussion

--4.4.4 Homework

--4.4.5 Suggested Answers

-4.5 Internet Marketing Strategy(2)

--4.5.1 Internet Marketing Strategy(2)

--4.5.2 PPT

--4.5.3 Discussion

--4.5.4 Homework

--4.5.5 Suggested Answers

-Unit 4 Test

--Test

Chapter 5 Online Banking and E-payment

-5.1 E-payment

--5.1.1 E-payment

--5.1.2 PPT

--5.1.3 Discussion

--5.1.4 Homework

--5.1.5 Suggested Answers

-5.2 E-money

--5.2.1 E-money

--5.2.2 PPT

--5.2.3 Discussion

--5.2.4 Homework

--5.2.5 Suggested Answers

-5.3 Third party payment

--5.3.1 Third party payment

--5.3.2 PPT

--5.3.3 Discussion

--5.3.4 Homework

--5.3.5 Suggested Answers

-5.4 E-payment System and Online Banking

--5.4.1 E-payment System and Online Banking

--5.4.2 PPT

--5.4.3 Discussion

--5.4.4 Homework

--5.4.5 Suggested Answers

-Unit 5 Test

--Test

Chapter 6 E-commerce Logistics

-6.1 Overview of Logistics

--6.1.1 Overview of Logistics

--6.1.2 PPT

--6.1.3 Discussion

--6.1.4 Homework

--6.1.5 Suggested Answers

-6.2 Overview of E-commerce Logistics

--6.2.1 Overview of E-commerce Logistics

--6.2.2 PPT

--6.2.3 Discussion

--6.2.4 Homework

--6.2.5 Suggested Answers

-6.3 E-commerce Distribution

--6.3.1 E-commerce Distribution

--6.3.2 PPT

--6.3.3 Discussion

--6.3.4 Homework

--6.3.5 Suggested Answers

-6.4 Automatic Identification Technology

--6.4.1 Automatic Identification Technology

--6.4.2 PPT

--6.4.3 Discussion

--6.4.4 Homework

--6.4.5 Suggested Answers

-6.5 Intelligent Logistics

--6.5.1 Intelligent Logistics

--6.5.2 PPT

--6.5.3 Discussion

--6.5.4 Homework

--6.5.5 Suggested Answers

-Unit 6 Test

--Test

Chapter 7 Supply Chain Management in E-commerce

-7.1 Overview of Supply Chain Management

--7.1.1 Overview of Supply Chain Management

--7.1.2 PPT

--7.1.3 Discussion

--7.1.4 Homework

--7.1.5 Suggested Answers

-7.2 Supply Chain Management Strategy

--7.2.1 Supply Chain Management Strategy

--7.2.2 PPT

--7.2.3 Discussion

--7.2.4 Homework

--7.2.5 Suggested Answers

-7.3 The Development Trend of SCM

--7.3.1 The Development Trend of SCM

--7.3.2 PPT

--7.3.3 Discussion

--7.3.4 Homework

--7.3.5 Suggested Answers

-Unit 7 Test

--Test

Chapter 8 Mobile Commerce

-8.1 Overview of Mobile Commerce

--8.1.1 Overview of Mobile Commerce

--8.1.2 PPT

--8.1.3 Discussion

--8.1.4 Homework

--8.1.5 Suggested Answers

-8.2 Related Technologies of Mobile Commerce

--8.2.1 Related Technologies of Mobile Commerce

--8.2.2 PPT

--8.2.3 Discussion

--8.2.4 Homework

--8.2.5 Suggested Answers

-8.3 Applications/Uses of M-commerce

--8.3.1 Applications/Uses of M-commerce

--8.3.2 PPT

--8.3.3 Discussion

--8.3.4 Homework

--8.3.5 Suggested Answers

-Unit 8 Test

--Test

Chapter 9 E-commerce Legal Environment

-9.1 Overview of the Legal Environment of E-commerce

--9.1.1 Overview of the Legal Environment of E-commerce

--9.1.2 PPT

--9.1.3 Discussion

--9.1.4 Homework

--9.1.5 Suggested Answers

-9.2 Legal Regulations for E-commerce Transactions

--9.2.1 Legal Regulations for E-commerce Transactions

--9.2.2 PPT

--9.2.3 Discussion

--9.2.4 Homework

--9.2.5 Suggested Answers

-Unit 9 Test

--Test

Chapter 10 E-commerce Development Trend

-10.1 E-commerce Development Trend

-10.2 PPT

-10.3 Discussion

-10.4 Homework

-10.5 Suggested Answers

-Unit 10 Test

5.3.3 Discussion笔记与讨论

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