demonizing third party payment hinders the development of e-commerce

Recently, http://www.aliyun.com/zixun/aggregation/10879.html "> Third party Network payment industry is not peaceful. First, the central bank issued "Non-financial institutions payment Services Management measures" (hereinafter referred to as the "administrative measures") set up a third-party network payment industry threshold, the national business companies must require a registered capital of 100 million yuan, the province to carry out business companies not less than 30 million registered capital. Then, CCTV made a "network gambling needs legislative Supervision" report, the third party network payment as yellow, gambling, poison accomplice.

I do not think that the central bank of the Third-party payment tools of the "management measures" and CCTV "network gambling needs legislative supervision," there is no inevitable link between the report. Nor do they think it is a bellwether for the state to wantonly block Third-party payments. However, after the central bank issued the "management measures", many media have begun to explore whether Alipay and other third-party payment tools will be blocked, the central bank to make network payments from the stove, third-party payment tools can not obtain a license and so on. Also including CCTV's "network gambling needs legislative supervision."

If outsiders read these reports, they will feel: third party pay no Good day, third party to pay the evil ... But people in the industry looked, only to feel that these reports are very ridiculous. At the beginning of 2010, the country will take electronic commerce as a good opportunity for industrial transformation, and should vigorously support E-commerce. and the development of electronic commerce and internet community is inseparable from the network payment tools. Already has 200 million user's Alipay and so on third party payment tool, can only become the big bank to scramble for the target, how cannot obtain the payment licence?

The fact also proves the author's prediction. After the release of the "Management measures", the major banks have started to rob the outstanding Third-party Network payment tools, hope that the user group of large user base, brand influence, improve the security system of third-party payment companies in their own bank account. So for the third party payment industry, many media reporters are outsiders, which directly affect the fairness of the report.

And the Third-party payment tool as a yellow, gambling, poison accomplices, but also some nonsense. Indeed, since the third party payment market has not had a written regulatory policy, resulting in the last few years, the N third party network payment companies, these companies have mixed strength, there are no shortage of black sheep. In order to get higher pay commissions, they are desperate to cooperate with the illegal trade. But this does not mean that the whole Third-party network payment tools are beat enterprises, the wrong.

A very simple logic can also illustrate this point. All third party payments are held in the bank, regardless of the money and money will flow into the bank. In addition, even if there is no third-party payment company, through the bank accounts of black, gambling, yellow crime still large area of existence, is that our banks are also accomplices of these criminals?

Third-party network payment industry needs sound laws and regulations, as well as a rigorous review of enterprise qualifications, but also the introduction of the network to pay for the criminal activities of the strict regulations and regulatory mechanisms. The solution to these problems, we can not from the Third-party network payment enterprises, need banks, legislative departments, Third-party payment enterprises, public security and many other departments of joint participation, especially in the supervision of public security, legislation.

In short, demonizing the third party network payment, completely contrary to China to vigorously develop E-commerce, the original intention of developing internet economy, is not conducive to the implementation of China's industrial transformation strategy.