China Post to enter the mobile phone and Internet payment services

Beijing Times (Reporter Gu Menglin) "Post boss" China Post is also preparing to win a share in the hot mobile Internet payment field. Yesterday, the reporter learned that China Post will invest 100 million yuan to establish an electronic payment service base to enter the mobile payment and Internet payment services. Currently, the People's Bank of China Chongqing Camp Department has accepted the application.

Payments are not outsourced

According to the notice of application for information by Chongqing Yingguan Management Bureau, the registered capital of China Post Electronic Payment Service Co., Ltd. is 100 million yuan, of which, China Post Group Company contributed 82 million yuan, accounting for 82%; Chongqing Post Company invested 9 million yuan , Accounting for 9%; Shaanxi provincial postal company invested 9000000 yuan, accounting for 9%, office located in Chongqing.

Announcement shows that China Post Electronic Payment Services Co., Ltd. intended to apply for payment services for the "Internet payment" and "mobile phone payment", the business coverage of the country. The payment related services used by the Company are independently developed by the Company. The daily operation, maintenance and upgrade of the payment system are undertaken by the Company itself and are not outsourced.

Has been paid a license

According to Tian Haishan, deputy director of the Research Center for Payment Systems in Southwest China University of Finance and Economics, the internet and mobile payment market has a bright future. Last year, the third-party payment market reached 1.6 billion. In addition, the relevant policies and standards are not completely determined, the competitive situation is far from fixed, and many qualified enterprises are eager to do so.

Tian Haishan said that nowadays each non-face-to-face transaction is inseparable from the logistics and payment behind, choose to enter this time, but also want to share the cake in the payment market. It is expected that China Post's logistics, savings banks and e-commerce businesses will Get through to pay. Tian Haishan also stressed to reporters at the same time, the product can be landing, in addition to the need to submit the appropriate business applications, but also need to pay a license.

However, according to the reporter, as early as June 2011, the Shaanxi Provincial Post Company injected a total of 30 million yuan to set up Shaanxi Post West Mail E-Commerce Co., Ltd. and submitted a third-party payment license application. On June 27, 2012, West Mail Company obtained the "Non-financial Institution Payment Business License" issued by the Central Bank. Above the license, China Post Electronic Payment Service Co., Ltd. has not encountered any obstacles.

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Or aim at the rural payment market

It seems the express delivery expert Zhao Xiaomin, the establishment of China Postal Service Electronic Payment Services Co., Ltd., an important step in postal reform, which aims to cut into the field of payments by targeting the rural market.

Zhao Xiaomin said that companies do third-party payments, how to operate a huge database and open up the relationship with the bank is the biggest problem. China Post owns Courier, Savings Bank, China Life Insurance, China Post Securities, China Post Fund, Post Music and other assets, and cooperation with Alibaba, Albania can learn from the data processing experience, in addition to China Post With 110,000 outlets covering most of rural areas, its savings bank has nearly 500 million users, most of whom are users in rural areas. China Post possesses obvious advantages in building a rural financial service platform and also possesses a huge imagination space.

Zhao Xiaomin believes that with the gradual promotion of urbanization, the state supports the "three rural" efforts continue to increase, increasing demand for payment in rural areas, the market prospects are huge. China Post aimed at innovative payment tools in the rural market and constructed a safe and efficient payment and settlement network platform. R & D of financial products that meet the needs of rural areas also exerted their own advantages in the competition of the third-party payment market. Zhao Xiaomin predicts that China Post will launch its own mobile payment tool in the future and will combine it with savings banks and wealth management products.

It is noteworthy that, in the express delivery industry, in addition to China Post, SF also owns a payment license, but so far SF has not paid services and its courier, e-commerce, Hey guest and other businesses get through. In Zhao Xiaomin's view, SF's current market share is not significantly better than other companies, the current bank did not form a close cooperation between the short-term access to third-party payment more difficult.