A sharp reduction in the card rate of the electric business opportunity to set up loopholes

"Http://www.aliyun.com/zixun/aggregation/32866.html" > Billion power Network news, February 28, with the bank card processing rates to reduce the standard implementation, merchants become the biggest beneficiaries. But at the same time, the new rate standard has reduced the opportunity cost to some extent, and enlarged the loophole of its black-hole operation.

"In particular, the electric business industry, to pay the proportion of credit card is high, there are some enterprises to use this to cover the current, reduce fees, such speculation will be more unscrupulous." "said one electrical trader in the home appliance industry.

According to the billion power network to understand that these people referred to in the electricity business has occurred repeatedly. Its usual practice is: some of the electric Company's distribution staff, after receiving the user's choice of the card payment order, the POS machine fault can not be carried out on the basis of the receipt of cash, and then through the offline with the third party, the card, and the user pays the equal amount of cash to the third party, so that the completion of the bank card hedging behavior. And these distribution personnel has become the small-scale "professional swipe card person" indirectly.

According to the people familiar with the matter, the line under the credit card is about 2% of the Commission, if each single card payment of the goods are based on this proportion of the deduction, it also means that its product gross margin space to raise two points. Although a single boost is limited, it often adds up to a "benefit".

It is noteworthy that the central bank on the bank card processing rate adjustment, food Entertainment category, car sales, department stores and wholesale category, such as the people's livelihood, such as credit card rates have been slashed, including general merchandise category overall rate down to 0.78%, the decline of the original 22%. This also means that, in accordance with the 2% per cent of the current Commission calculation, the provision of POS machine set on the side of the income will also rise by about 20%, the corresponding opportunity cost is greatly reduced.

In addition, due to the rate reduction, many companies have begun to consider the expansion of goods to payment and to pay the proportion of credit card and coverage, and constantly increase with the domestic major banks POS card business cooperation. This also allows the opportunity to set up the profit-making scale synchronized upgrade.

Although there is no direct evidence to indicate whether the main body of the electric business is a dominant or dominant participant, it is pointed out that some of the small and medium enterprises have promoted "income" through similar methods. On the contrary, if it is the individual behavior of the distribution staff, it is possible to let the unsuspecting electric company to pay for its "bait", virtually also bear the risk and cost of high reputation damage.

Billion power network to understand that the current credit card sets for a long time, but more out of the line under the traditional retail field. Because the bank to the POS sales channel control more stringent, the traditional "professional card reader" only through the gray industry chain to obtain POS machine, and the need to frequently change machines to prevent the bank monitoring system to detect.

By contrast, whether it is the electric company, or its distribution personnel, the legal status of holding POS machine, engaged in credit card, supervision is more difficult. In particular, the distribution business outsourced to the Third-party logistics of the electric companies, often focused on delivery efficiency and the safe return of funds, it is easy to ignore similar details.

On the other hand, due to the payment of goods to pay card payment can not achieve closed-loop verification, operation is very covert. "The financial management of the small and medium-sized enterprises is still deficient in the normative, as long as it can be posted on the line." As to whether the buyer confirmed the payment of the goods, the total disregard. ”

Obviously, the card processing rate of the downward to a certain extent, "professional credit card" behavior is more rampant. However, with the help of the new model of the electric business, the industry has not yet attracted attention.

Therefore, the central bank to adjust the rate, did not set out to avoid the risk of hedging restrictions. At the present stage, according to the relevant laws of the State, the credit card is classified as a criminal offence and is punishable by illegal operation.