The hottest mobile payment is difficult for operat

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Payment without cooperation with banks, it is difficult for operators to monopolize the market

in the past, communication operators have to cooperate with banks when promoting payment. However, since September this year, according to the "measures for the administration of payment services of non-financial institutions" recently released by the people's Bank of China (hereinafter referred to as the "central bank"), even without cooperation with banks, operators can still carry out payment business on a large scale. Some analysts said that communication operators can carry out payment business reasonably and legally and will not let third-party payment suffer from "splinters". The huge "gap" left by large state-owned operators and financial institutions is enough to form a huge market for third-party payment companies to explore

the policy payment business must obtain a "license for digital display of tensile testing machine"

on Monday, the central bank officially announced the measures for the administration of payment services of non-financial institutions (hereinafter referred to as the "administrative measures"). According to the regulations of the central bank, the administrative measures will be implemented from September 1 this year

the central bank said that non-financial institutions that had been engaged in payment business before the implementation of the measures should apply for a payment business license within one year from the date of implementation of the measures; If it fails to obtain it within the time limit, it shall not continue to engage in the business of partial deviation from the origin of the branch curve

however, according to the provisions of the administrative measures, it is not too difficult to obtain the payment business qualification

according to the administrative measures, if the applicant is engaged in payment business nationwide, the minimum registered capital is 100million yuan; The minimum registered capital of those who intend to engage in payment business within the province (autonomous region, municipality directly under the central government) is 30million yuan

impact payment is included in the management scope

it is understood that the management measures not only regulate third-party payment companies, but also remove obstacles for communication operators to expand in the payment field. Previously, operators had to cooperate with banks in promoting the payment field for a long time because they did not have a financial license. For example, in order to vigorously develop the payment business, China Mobile subscribed for 20% equity of Pudong Development Bank with a huge amount of 39.8 billion yuan. Chinatelecom and China Unicom also signed strategic cooperation agreements with large domestic state-owned banks to expand banking, mobile payment, e-commerce and other fields

however, according to the definition of non-financial institution payment services in the administrative measures, the so-called network payment refers to Internet payment, mobile payment, fixed payment, digital TV payment, etc. This means that payment is also included in the scope of management measures. Unlike small and medium-sized third-party payment companies that are difficult to meet the conditions and have been "shuffled", for powerful enterprises such as communication operators, the management method itself is simply like a "pass" to payment

"the management rules of the central bank are the same as the software version, and the follow-up needs to be upgraded and improved." An industry analyst told that although the management measures have not determined the detailed rules of payment, and the specific impact of the management measures on the payment industry has not yet been determined, it can be expected that with the vigorous development of payment, in the next oneortwo years, "the central bank will list further detailed rules on the basis of the management measures to clearly define the details of payment."

there is still a market for third-party payment companies in the industry

under the provisions of the central bank's management measures, small and medium-sized third-party payment will inevitably face "reshuffle" and elimination. With the formal acquisition of legal payment and even third-party payment qualifications by communication operators, will the remaining large-scale third-party payment companies be compressed? Some insiders said that if the payment field does show a huge profit prospect and operators have to regard it as one of their main businesses, there is a relevant possibility

a well-known scholar from Beijing University of Posts and Telecommunications bluntly said in an interview that he was worried that the "power" of domestic communication operators was growing, and touch had even extended to the financial field, so it was really necessary to restrict it

however, some telecom analysts and think that there is no need to worry too much about the relevant situation. Fu Liang, a senior Telecom analyst, said that there was no "red light" for operators to operate payments. This management method only clarifies, obligations, processes, etc. through documents, so it is expected that it will not have a significant impact on the payment industry

an insider of TenPay, a third-party payment company, said that at present, large state-owned enterprises are still very much managed, and many industries have multiple management, "Between industries, state-owned giants and state-owned giants, there are 'gaps' that have huge profit space for private enterprises, but are ignored by large state-owned enterprises. These' gaps' are enough to allow third-party payment companies to find unique space to move."

it is reported that TenPay is currently cooperating with domestic operators to add functional modules on the small wallet of the client, such as payment and recharge, purchase of recharge card, purchase of 3G card and purchase of 3G terminal

related reports

the scale of the domestic payment market is close to 2.9 billion yuan

according to recent foreign media reports, market research company Gartner said on Monday that the number of people using payment in the world in 2010 is expected to increase by 54.5%, from 70.2 million in 2009 to 108.6 million, and the number of Asian leaders is expected to increase. The tensile strength is also higher in 2010, and mobile payment users will account for 2.1% of the total number of mobile users. Gartner said that the number of mobile payment users in the Asia Pacific region is expected to grow from 41.8 million in 2009 to 62.8 million. In Europe, the Middle East and Africa, the number of mobile payment users is expected to increase from 16.8 million to 27.1 million. In North America, the number of mobile payment users is expected to increase from 1.9 million to 3.5 million

at present, the payment field is also booming in China. According to the "Research Report on China's payment development in 2009" released by iResearch consulting, the transaction scale of China's payment market in 2009 was 2.4 billion yuan, up 202.6% from 790 million yuan in 2008. It is expected that the scale of China's payment market will reach 2.845 billion yuan in 2010, and the total number of payment users will exceed 150million

payment in China originated in 2001, when operators began to promote "payment through SMS access", which many users have experienced. For example, when we buy a computer anti-virus software on, there is a payment method - confirm the payment after entering the number, and then realize green development. We will receive a text message password verification, and then complete the transaction after entering. At present, this method of payment is still the most widely used. However, this method can only be small payment, which is not supported by large amount payment operators

then, the second payment method "WAP station" appeared in China. Many businesses on WAP complete transactions with users through their own payment methods. However, the development of this method is also relatively slow. The main constraint is that 2G communication network was relatively slow at that time, and users would lose patience

in recent oneortwo years, remote payment and near end transaction have been developed in China. The typical application of remote payment is to complete remote transaction transfer or payment through the transaction platform inside. The typical application of near end transaction is card swiping, which is being promoted by major operators. Information times

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