Third party to pay blood fight ten years severed arm transformation to find new blue sea

Wen/Jiang "third party payments in the Chinese market for ten years of blood, the last spell can not survive." "Remit the World Limited subsidiary company's subsidiaries Remit Finance President Liu Gang to the interface reporter." Before 2011, the payment industry is only Alipay, remit the world, fast money, UnionPay business, such as several big giants of the industry, but from the central bank in 2011 issued a card, a short period of 3 years, Third-party payment enterprises have nearly 300, of which more than half of the POS billing business. By the end of 2014, the number of third-party payment licences, including bat, had been increased to 269, and the payment industry faced a single, homogeneous competition, and the regulatory authorities had been tougher on the industry's penalties. 2014 can be said that China's POS industry has historically been the most extensive, fine amount of the year. From the beginning of 2014, the central bank began to purge POS receipts industry. In March 2014, the central bank issued a circular requiring 8 institutions nationwide to suspend access to new businesses since April 1. The so-called POS receipts business, is the payment agencies to find businesses and install a POS machine, to guide their credit card collection and obtain a handling fee. In 2012 and 2013, POS receipts business became the main business of many third-party payment companies, with more than 50% of the revenue from POS receipts in some third party payment organizations. UnionPay's data show that in the first half of 2014, the National recognized POS collection of illegal 46,936 households, accounting for 5.84% of the activities of merchants, compared with the end of 2013, the growth of illegal businesses has doubled 3 times times; Among the 460,000 offending businesses, 77% came from Third-party payment agencies and the rest from banking institutions. Irregularities include various forms of code to carry out rate arbitrage, even at the falsification of all the required documents, the sale of the bank's trading channels, the sale of POS machines at random, and POS machine is the credit card is an indispensable tool in the industry chain. September 2014, the Central Bank for POS billing business again issued punitive comments. This time the central bank stopped and asked for a year of orderly exit 15 provinces and cities in the existing receipts business, Fuyou and Yi Bao will evacuate 7 provinces of the receipt business, accompanying will evacuate 5 provinces of the receipt business. "Outside the listed provinces and cities continue to stop the development of new businesses, and all the stock of merchants and receiving terminals in accordance with the provisions of the comprehensive clean-up." "December 26, 2014, UnionPay officially issued the" UnionPay card processing market irregularities restrictions implementation rules, it is understood that the new fifth text implementation is twice times before 5 times times, the behavior of some serious violations no longer give rectification period. The determination of the central bank and UnionPay to repair the receipts markets is evident. Pay the market UnionPay Foundation is huge, but each third party pays the enterprise the payment business model is also more homogeneous, some banks are also joining the receipt market. Many of them make the industry profit continuously diluted, third party payment business expansion breakthrough, looking for new profit growth areas become inevitable. From the birth of third-party payments, the industry gradually developed into two models, to Alipay as the representative of the business model and to pay the world as a representative of business-to-businessMode, also known as independent third party payment. Backed by Ali, Tencent, Alipay and Tenpay tried to penetrate into the offline market through the O2O, while the independent third-party payment agencies because of the lack of import and flow of imports, missed the client's window to seize the Windows period, can only focus on the Internet financial sector. Industry insiders generally believe that the traditional offline billing business has tended to "meager profit", and behind the payment is the real merchant capital flow and information flow, how to use the existing data and resources to open up a new business model, this is an independent third party institutions have yet to be excavated gold. Interface journalists learned that the regulatory layer's continued tightening of the offline receipt business of third party payments agencies has a direct impact on the volume growth of third party payment agencies in the world. Starting from 2006, remit the world within 4 years of trading volume achieved 100 billion yuan breakthrough. In the 2011, 2012 and 2013 consecutive three-year period, trading volume on average grew 300%. In 2014, the world trading volume was 1.4 trillion, compared with 2013 's 124 million growth of 13%. Due to the thin profit of the payment business and strict supervision policy, the demand of the independent third party payment institution for transformation is more and more urgent, and strive to make up for the loss of the offline business as far as possible by other means. Through the transformation of the past six months, remit the world's transformation has been beginning to show results. The company set up a remittance data, a remittance technology and a three-finance subsidiary in October last year, which is responsible for payment, account hosting and financial management, to realize the initial transformation of the integrated financial services provider. Zhou Ye, chairman of the world, has proposed that "finance" is the ultimate goal of the world, and the core management team of financial background, but also because Zhou Ye has always insisted that the view is: "Payment will become a tool, and financial business is eternal." Recently, the world's comprehensive financial strategy to pay the next city, with the Tianjin Stock exchange, love Building trust, Chinese securities and other financial institutions signed a cooperation agreement to expand the sales platform "cloud wealth" product source channels. Data from the remittance finance show that "cloud wealth" in the country set up 50 of the Offline Wealth Management Center, the "online + offline" Sales model, and last year to achieve 50 billion sales. "Cloud wealth" sales include trust Capital Management, funds, insurance, bonds and other products, including trust and microfinance products sales of more than 40 billion yuan, to pay the world to bring rich profits. Analysys analyst Li Ye pointed out that in the Payment 2.0 era, the Third-party payment company through years of accumulated user data, the formation of information flow, capital flow closed loop, on the development of financial management, financing, marketing and other diversified Cross-border services, to become a new bright spot in business. The boundaries of the future industry are becoming blurred, and cross-border cooperation will become the norm. Originally contained in the interface, the original title "third party to pay the blood struggle ten years to find a new blue sea"