E-commerce wants to increase capital

"We have discussed the issue of supplemental registered capital, and will certainly be able to complete the task before September 1." "Hundred-Union electronic Commerce Limited company general manager said."

According to relevant people, Hundred Electronic Commerce Co., Ltd., the current registered capital of about 50 million yuan. Meet the minimum requirements for the management of non-financial institutions ' payment Services (hereinafter referred to as "methods"), but the method also stipulates that if the applicant is to be engaged in the payment of the business within the whole country, the minimum limit of registered capital is 100 million yuan. As a result, the hundred UMC that have trans-provincial business need to add assets.

The reporter also learned that in Shanghai prepaid card issuance volume of the first three of the convenience of electronic Commerce limited registered capital is also less than billion, so also face the problem of supplementary registered capital.

And this year began a formal attack in the field of prepaid card Shanghai New World Group, its Shanghai win-Point Business Services Co., Ltd. registered capital is currently only 1 million yuan, also face the problem of increasing capital.

A number of business owners to the Morning Post reporter said that the central bank last July has been required to make a corresponding declaration of the record, but at that time the discussion version of the method has not yet made clear provisions on registered capital, so everyone is waiting for the formal introduction of the "method" to replenish the registered capital.

Win the point. Most of the measures are in line with expectations, but because of the higher thresholds, it will be difficult for smaller companies and private card issuers to acquire "Zhongsheng", according to people concerned.

Profit dilemma

At present, most third-party payment enterprises are studying the rules of the scheme. The newspaper reporter was informed that in the "approach" "Discussion Edition", the central bank had recommended that advances be used only for bank deposits, stock and financial investment products with zero risk factors, but the subject of the formal approach was to say: "The customer's allowance accepted by the payment institution does not belong to the payment institution's own property." The payment institution may transfer the reserve payment only in accordance with the customer's order. The payment institution is prohibited from diverting the customer's allowance in any form. ”

"We need to know more about how to define the payment." "An E-commerce company in charge told reporters that if the third-party payment agencies precipitate large sums of money does not carry out reasonable financial management, rely on the current deposit rate and 1%-1.5% of the fees, it is difficult to achieve profitability." The method stipulates that the ratio of the paid-in capital of the payment institution to the daily balance of the customer's reserve payment shall not be less than 10%.

Liu Sheli, director of the Shanghai Smart Enterprise Services Co., Ltd., the top three of the Shanghai prepaid card, said Smart last year had made the relevant information available according to the central bank's request and is still doing further research on the rules.

The head of another E-commerce company revealed that the central bank had previously solicited corporate advice on the management approach, and at that time they had different views on one of the regulatory measures, that is, payment agencies can only choose a commercial bank as the Reserve Bank of deposit. "The payer is sure to use a number of bank accounts, and the payment enterprises to the different bank accounts between the cost and checkout, will increase costs and costs, affect efficiency, the central bank should be more for the enterprise to consider." ”

In addition, the person said that non-financial institutions engaged in payment operations were not aware of anti-money-laundering measures, and that there was a need to strengthen learning in this area, and that the provisions of more than 5 senior managers who were familiar with payment operations would also need to be weighed.

The dilemma of "mobile payment"

The mobile payments business, which has been planned by three telecoms operators, China Mobile, telecom and Unicom, is certainly in the code, but yesterday three operators kept silent. China Mobile has previously proposed its own standards, that is, 2.4GHz communications frequency Rf-sim mobile phone payment standards, but there are indications that mobile is also the development of the Chinese UnionPay-led 13.56MHz NFC (Close range communication) payment standards to develop mobile payment business, China Unicom, from the outset, is in the same camp as China UnionPay, using NFC technology.

In the context of the further regulation of Third-party mobile payments in central bank policy, what is the next step in the process of thinking about what kind of technological dilemma to develop? Is it closer to the UnionPay standard or is it still developing its own standards? The Morning News reporter yesterday from the mobile inside learned that The company's top-level adjustment has not developed a new version of mobile payments, "now in the information vacuum, we need to wait for a new version of the company." ”

According to the introduction, the RF standard is more advanced, most mobile phone users only use mobile phone SIM card can be used to pay the mobile phone, but the scheme and the current China UnionPay's POS machine is not compatible, and the new POS machine cost is higher, in the merchants to promote more difficult; NFC Payment method is also more mature, and with the current ubiquitous POS machine compatible, but need to replace the mobile phone terminals, mobile phone before the worry about the cost of the user is too high.

The industry also has different interpretations of the impact of the new rules on telecom operators. Eric Consulting analyst Hu said yesterday that, according to Third-party funding sources, if the mobile phone users with the original bank account, only through the mobile phone to complete the payment, then there is no relationship with the operator, operators are only channels; if the settlement through the operator's billing should belong to this range, but the user charges are not much Should have little impact.