Sina with public security online reverse attack credit payment

Summary: Check the latest market credit payments, this year, Alibaba announced the launch of the service, may soon be another company to attack the first, Sina and Sina to pay the joint launch of the microblog wallet, has been in the inside of the service---credit treasure. In order to

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Credit payment, the Alibaba announced at the beginning of the service, may soon be another company to attack the first, Sina and Sina to pay the joint launch of the microblog wallet, has been inside the service---"credit treasure." In order to control project risk, Alibaba chooses to cooperate with financing guarantee Company, but this time the partner that Sina pays is the first internet insurer that just opened--public Ann is online. South all reporters yesterday from the Sina pay deputy general manager Dai Geng Department learned that "is indeed with the public security online insurance work closely together to improve the related products." and Weibo wallet customer service also confirmed to the south, "Credit Treasure" has invited the merchant to have the intention of the beta, if the user appears overdue, "a part of the merchant to compensate, and the other part of the insurance company compensation." ”

In response to the specific situation of the new product, the public security online said it does not respond to specific products. It is reported that public Ann will launch the first product online.

Join the public Ann Online

"Three horse sell insurance" The first Internet insurance Company--------Public security online is improving and payment platform micro-BO wallet cooperation of an Internet insurance.

According to the official website information, "Weibo wallet is the China's leading online payment platform jointly launched by Sina and Beijing Sina Payment Technology Co., Ltd. is committed to providing users with a fast, convenient and secure new Internet payment method, so that users in a happy social environment to complete the integration of payment." ”

Dai Geng said that Sina's payment is a company that holds a third party's payment licence, and will use the resources of Sina, Sina Weibo and so on to promote the business of social electric power business and innovation finance. According to the Beijing Trade and Industry Bureau data shows that Sina paid the registered capital of 100 million yuan. The People's Bank of America website shows that Sina paid the third party to pay the licence on July 6 this year, the scope of business is internet payment, mobile phone payment.

Yesterday to South reporters confirmed that "credit Bao is one of the important aspects of Sina's payment, we will be in the traditional credit system and risk control, based on the social scene to append user behavior data, activity data and other assets, thereby enhancing the overall efficiency and wind control capabilities." ”

and Weibo wallet customer service staff to the south, said the "Credit treasure" is indeed the company's project, but I do not know when the company launched. The customer service staff revealed that the staff actively invited the intention of some of the business trial. "The current will not continue to open, to be optimized after the opening again." ”

According to previous media reports, the implementation of Sina's strategy is to make a commitment to the business will be "credit payment" to cover all the microblogging users, and the microblogging of the large database to initialize the collection and analysis, in accordance with the micro-BO user's real name authentication, V, micro-blog behavior dynamic to do the credit level, and the issuance of unequal credit lines, The maximum can reach 5000 yuan. The credit limit is the same as that of Alibaba.

To purchase lower premiums in the form of group insurance

In order to control the project risk, Alibaba said earlier that its credit payment by the Chongqing Merchants Prudential Guarantee Company to provide full security and assume the full risk of payment of fees by the merchant or customers themselves, the cost of 0.8%-1%. And the microblog wallet will select the public-Ann online cooperation, the current rate is unknown.

According to the information disclosed, the micro-blog wallet will be paid by the way of insurance. Dai Geng said, "We are indeed working closely with the public security online insurance to work together to improve the related products." The public security online said yesterday that it was not responding to specific products. However, micro-blog Wallet customer Service said that if the user appears overdue, some of the merchants to compensate, and the other part of the insurance company compensation, each merchant signed a specific contract different.

The customer service also said that the Sina payment will be in the form of group insurance to buy the insured. The move could reduce premiums. However, the current level of insurance companies to bear the premiums and the situation is unknown. With the traditional loan guarantee insurance, such as PICC, Ping An and sunshine insurance, such as the personal loan guarantee insured, for example, the insured person may have to pay a monthly loan amount of 1.5% Premium, and to pay the interest of banks or other financing institutions, the cost is relatively high.

The general actuary of a large insurance group in the exchange said that the current Internet-related insurance products for actuarial, the data can be obtained is not enough, may not accurately calculate the compensation rate, but the key is the design and innovation of such products.