Super net silver planned for end of day third party payment access time undecided

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After you log in to a bank's online bank, you can check the balance and details of all your online banks (including time deposits, demand deposits, funds, and even financial products in your account), and transfer the money to the account immediately. This convenience will become a reality with the end of the super net silver.

A person from the central bank's clearing house confirmed to South reporters that the second generation of payment systems led by the People's Bank of China (hereinafter referred to as the "central Bank") ——— the Super Net Bank would be online by the end of this month. The participants said that the dozens of commercial banks currently participating in the pilot test and acceptance of the central bank's second generation network silver. "We require the pilot banks to conduct systematic training in the provinces in 9 and October." Complete landing before the end of November.

And a bank in Guangdong province to the south of the reporters revealed that the current test is still at the head office level, is expected to super network silver services in Guangdong full landing the most near the start of next month.

South Wang Reporter

Full landing within three months

The bank's clearing house confirmed to reporters that the dozens of commercial banks currently participating in the pilot test and acceptance of the central bank's second generation net silver, the Super Net Silver system is scheduled to be online by the end of this month.

The person told reporters that the super net Silver Line is the first line of the head of the network silver port and test, and then participate in the pilot banks will be in batches of regional branches for training and popularization. "We require the pilot banks to conduct systematic training in the provinces in 9 and October." Complete landing before the end of November. said the person to the reporter. According to a leading source, the Super net silver in the development of the positioning is mainly for commercial banks of the group customers, some of the functions of the brewing to individual customers open.

The head of the electronic Banking Department of a state-owned commercial bank said that the biggest breakthrough of "super Net Silver" is that it will be able to realize real-time bank transfer and cross bank account inquiries. In short, customers can inquire about the time deposits, demand deposits, funds, and even financial products in their accounts through a bank's net bank.

The leaders told reporters in the south that the regulator had given high hopes to the Super net Bank. "The first generation of network silver is the state of the bank, the user funds transfer between different banks of the higher costs, while the second generation of net silver broke the barriers between banks, this is conducive to the optimization of the payment environment." The person evaluates.

The central bankers mentioned above have not yet finalized the charges for the new business of the Super Net Bank, although the early promotion phase is likely to be free. It will have to wait for the final document issued by the regulatory authorities to determine.

No timetable for third party payment access

The imagination of the outside world, the launch of the Super net silver is just the central bank issued by the "Non-financial institutions payment Services Management measures" (hereinafter referred to as "management measures") September 1 the official implementation date. Does this mean that non-financial payment agencies such as Alipay and Tenpay are also expected to access the clearing system?

According to people close to the central bank, the central bank's Super Net Bank is also open to non-financial payment service organizations that have "paid business licenses." But regulators do not have a clear timetable for access, "the regulator's attitude is to require these institutions to obtain business licenses first, before it is possible to carry out docking work." said the person.

One person from a third party payment industry expects that the opening of the super net to Third-party payment agencies may be after the "Payment business license" issue is basically over, "in the most pessimistic case, we may have to wait another year." "The person said. According to the administrative measures, the payment enterprise shall obtain the Payment business license within 1 years from the date of implementation of the method (i.e., before September 1, 2011).

But a number of third-party payers interviewed by reporters in the south are not worried, saying that docking with the super NET is only a matter of time. For the development of payment field, Super Net silver has epoch-making significance.

Contribute to the payment industry "upgrade"

The market once viewed the super net as the "Terminator" of the Third-party payment industry, but on the eve of the system's formal launch, the idea was replaced by most positive voices.

Fast Money CEO Guoguang has publicly said that "super net silver" in fact does not pose a clear threat to third-party payment platforms. and Alipay, Tenpay and Yeepay pay the same opinion, that the super net silver to pay the industry's development benefits outweigh the disadvantages.

Alipay CEO Pengley that the introduction of the central bank's second generation network silver system will bring another leap for the development of electronic payment in China. "Super Net Silver More is solves the link layer problem between the Bank gateway, to the third party payment industry, is eliminates the work of a link bank in the past." 曹宇, an international analyst at Analysys, said a third-party payment platform like Alipay and Tenpay relies more on Taobao and pats the two e-commerce sites.

For these websites, the online of the Super net silver cannot replace it to provide the value of credit guarantee, so the influence is small. And pay industry analysts said that for the bottom of the basic docking service Third-party payment companies, the Super net Silver will greatly squeeze its market share. So the introduction of super Net Silver will accelerate the payment industry "upgrade".

Super NET Bank expected start schedule

The central bank and the pilot Commercial Bank headquarters system docking at the end of August

September-November Pilot Commercial Bank Internal Regional Branch system training, Guangdong, the fastest start of September

November end of pilot Commercial Bank launched Super net Silver