The year of the Sheep Spring Festival red Envelopes War, there are problems payment agencies need to apply for a separate license

The year of the ram, red envelopes battle. In addition to micro-letter, Alipay, 2015 Taobao, Baidu, Beijing-east, Tencent and other network giants, but also the value of a total of 10.8 billion yuan of red envelopes. In addition, the Construction Bank, investment fund, Sunshine Insurance, Everbright Bank, Societe Generale and other financial institutions, have also launched a variety of red envelope mode. and Taikang, Lu Jin, Micro Shop, Yili, Haier, China Merchants Bank, Peace, Yanghe and other areas of the leading brands, there are countless pay the electric dealers into the red envelopes of the army.

However, Chen, an assistant analyst with the Internet Finance Department of China's E-commerce Research center, said there were still many problems. In accordance with 17th of the measures for the administration of the payment services of non-financial institutions, the payment institution shall engage in business activities in accordance with the scope of business approved by the Payment business license and shall not engage in business outside the scope of approval and shall not outsource the business. At present, many payment agencies through other Third-party software similar to the provision of payment services, there may be various types of confusing payment services and service boundaries. The regulation of the payment market, risk management and fair competition in the industry, I am afraid it is more harm than good, not conducive to the stable and healthy development of the payment institution market.

Therefore, Chen suggested that in order to develop in the long run, organizations with such development strategies should apply separately for the payment of licences. (Xia)