First to third party agencies get paid licence renewal – third-party payment-IT information
In May this year, first pay the third party agency will usher in the first renewal of the licence and the second licence is about to expire in August.
Several paying agencies confirmed to reporters the first licence renewal application already submitted information is still in the review period. The second "renewal" institutions has also submitted its report. But not to the end, no one can say for certain how.
But now, with the expansion of Internet financial rectification, also paid the classification rating agencies faced a major event. More rigid supervision, how?
"Renewal" is not a big problem?
From 2011, the Central Bank issued a total of 8 270 paid licence. After last March, pay licence has entered a substantive pause.
After five years, payments industry overall "renewal". Of the paying agencies who requested anonymity explained to the reporter about renewal, the Central Bank first provided a self assessment template, organized by the institution first reported trading volume, basic construction, market place rankings and other information. Central Bank according to the paying agency of the managed data and reporting information on a regular basis to verify the self assessment report after considering other factors, determines whether the Agency in line with the "renewal" status.
Although several agencies privately say "renewal" is no problem, but said not to wait until the final results are published, there are still uncertainties.
Anonymous above said, the first batch of the licensing agency has operated for many years, a more mature, there is a certain market share and the underlying transactions, not renewed, unacceptable. But there are also institutions do not have to do business, or business to take a risk, breach, "hard to say".
Another paying agency in the community that, on renewal, supervision is also embarrassing. "Threshold of licence applications are not particularly strict, only so many agencies come in. Some of the licence at the moment, some directly to the sale. Where regulation is not aimed at home now, just wanted to set a standard. "He said.
In addition to the renewal, with the spread of Internet financial rectification, third party payment is also included. Especially since April, policy and regulatory actions are frequent.
Only in paid field, April 1 China paid liquidation Association industry risk information shared management approach (provisional) released; 7th, paid settlement illegal violations behavior reported award approach released; 11th, non-bank paid institutions self-discipline management evaluation approach released; 14th, non-bank paid institutions risk special regulation work implementation programme introduced; 15th, Bank released on credit card business about matters of notification; 19th, non-bank paid institutions classification rating management approach released.
Among them, the classification is the paying agent is the most sensitive thing. Under the related system requirements, payment institutions will be divided into 5 classes 11, implementation of differentiated and targeted regulation. If multiple occurrences of d, e class rating is suspended payments until the cancellation of a licence.
Agency response classification just done soon, currently in the stage of internal audits of the Central Bank.
Another source said 14th campaign issued by non-bank institutions risk in the implementation of the programme of work proposed, inter-bank payments of the paying agencies must go through peoples Bank interbank clearing system or clearing houses have a legitimate qualification.
On the establishment of network payment platform "link", or "network version of the Cup" was also recently spread. This will mean direct banking channels might be completely sealed, many institutions will be affected as well.
Agency's "next" game
"The last round of games ends, the next round has begun. "Remittance mervin Zhou, Chairman of the world says on April 27 on product launches.
From 2000 began the first non-bank payment gateway, third party payment development to date has experienced several changes. Zhou Ye, including new financial payments industry stood at a crossroads.
Talked about recent developments, he said, after seeing the regulatory crackdown cross-border, cross-market products, combating procyclical leverage while, also want to see regulatory efficiency, cost reduction, reflecting the positive.
"The next 1-2 year, in the face of gradual development of macro-prudential policies through regulatory, business models to maximize driver has. "Zhou Ye say, identification technology, artificial intelligence, database technologies, application of science and technology, is working toward.
From the payments industry as a whole, said Zhou Ye business model drives generally have a bottle.
Traditional merchant business, September new credit card rates to be implemented, not only the industrial classification was cancelled, the traditional 7:2:1 into history. Although to a certain extent, reduce the body merchant classifications, administrative costs on the match, but lower rates nearly two years of rapid expansion of the scale of P2P cash deposit business, also because of the large range of regulation and Bank managed cast uncertainty over intervention.
"Now largely depend on the policy when landing, landing. "Such paying agent who requested anonymity, said a series of policy tightening, small business more difficult. His agency this year has begun to adjust focus, to circumvent the likely impact of a range of policies.
For large institutions, licensing, expanded lines of business become an important transition options.
The case of Lucia Lacarra, which in addition to the paid licence, has won credit, consumer credit, small loans and factoring, licensing, operations related to the payment, collection lists, cross-border, credit, credit, funds, business factoring and other fields. In addition, Lucia Lacarra over more than 300 cities across the country also set up a self-service terminal, into the community and county-level cities, rural areas.
Remittance world also has funds, Fund sales and cross-border payments the licence and investment rising financial wealth and the Bund financial company on the Internet.
For earlier access to P2P trust for remittance of all, Internet banking business accumulated by natural resources are also not willing to give up a piece of the market.
Remittance data Executive Vice President Zhao believes that domestic personal banking market reached 400,000 to 50 trillion, the number has gradually expanded. P2P industry compliance and transition to integrated financial platform has become a trend, remittance and the world has to offer is the underlying solution supports a ride under the new financial development.
首批第三方支付牌照机构迎来续牌期 - 第三方支付 - IT资讯
今年5月，首批获得第三方支付牌照的机构将迎来首次续牌，第二批牌照也即将在8月到期。
有多家支付机构向记者证实，首批牌照的续牌申请早已经递交资料，目前仍在审核期。而第二批“续牌”机构也已经提交了报告。但不到最后，谁也无法确切说明结果如何。
而眼下，随着互联网金融专项整治的展开，分类评级也是支付机构要面临的一件大事。监管趋严，机构如何面对？
“续牌”不是大问题？
从2011年至今，央行共发放了8批270张支付牌照。而从去年3月之后，支付牌照的申请就进入了实质性暂停。
时隔五年，支付行业整体首次“续牌”。有要求匿名的支付机构人士向本报记者解释，关于续牌，央行首先提供了一份自评估的模板，由机构先行上报交易量、基本组织建设、市场占位排名等信息。央行再根据支付机构的托管银行数据及定期上报资料对自评估报告进行核查，再综合其他因素，判断机构是否符合“续牌”资格。
虽然几家机构私下都称“续牌”没有问题，但也表示没有等到最后的结果发布，仍有不确定因素。
上述匿名人士认为，首批获牌照机构已经运行多年，普遍较为成熟，有一定的市场份额和基础交易量，不续期，说不过去。但也有机构拿了牌照没有做业务，或者业务开展中出现较大的风险、违规事件，“就不好说了”。
另一家支付机构人士认为，在续牌这件事上，监管也比较尴尬。“此前牌照申请的门槛并非特别严格，才放了这么多机构进来。有些牌照放着没用，有些直接拿来买卖。现在监管也不是针对哪家，只是想设定一定标准。”他说。
而除了续牌，随着互联网金融专项整治的铺开，第三方支付也被列入其中。尤其是从4月以来，政策发布与监管动作十分频繁。
仅在支付领域，4月1日《中国支付清算协会行业风险信息共享管理办法（暂行）》发布；7日，《支付结算违法违规行为举报奖励办法》发布；11日，《非银行支付机构自律管理评价办法》发布；14日，《非银行支付机构风险专项整治工作实施方案》出台；15日，央行发布《关于信用卡业务有关事项的通知》；19日，《非银行支付机构分类评级管理办法》发布。
其中，分类评级是眼下支付机构最为敏感的一件事。根据相关办法要求，支付机构将被划分为5类11级，实行差异化和针对性监管。如果多次出现D、E类评级，将被暂停支付业务，直至注销牌照。
有机构回应，分类评级刚做不久，目前处于央行的内审阶段。
另有消息称，14日发布的《非银行支付机构风险专项整治工作实施方案》中提出，支付机构开展跨行支付业务必须通过人民银行跨行清算系统或者具有合法资质的清算机构进行。
关于设立网络支付清算平台“网联”，即“网络版银联”的说法也在近日蔓延。这将意味着直连银行通道或许被彻底封死，不少机构都将在受影响之列。
机构的“下一轮”游戏
“上一轮游戏结束了，下一轮已经开始。”汇付天下董事长周晔在4月27日的产品发布会上这样说道。
从2000年国内开始出现第一个非银行的支付网关，第三方支付发展至今经历了数次变革。在周晔看来，包括支付行业在内的新金融，站在了一个十字路口。
谈到近期的情况，他认为，在看到监管打击跨界、跨市场产品，打击顺周期加杠杆的同时，也要看到监管带来的效率提升、成本下降，体现利好。
“在接下来的1-2年，面对逐步开展的宏观审慎政策穿透性的监管，商业模式驱动已经发挥到极致了。”周晔说，身份识别技术、人工智能技术、数据库技术等科技的应用，是可以努力的方向。
从支付行业整体来看，周晔所说的商业模式驱动普遍遇到了瓶颈。
就传统收单业务来说，9月起新的刷卡费率即将正式施行，不仅行业分类被取消，传统的7∶2∶1分成也成为历史。虽说在一定程度上降低了机构在商户分类、匹配上的管理成本，但费率也更低；近两年规模快速扩张的P2P资金存管业务，也因为大范围整治及银行托管的介入而蒙上了不确定性。
“现在主要得看政策何时落地，如何落地。”上述要求匿名的支付机构人士表示，一系列的政策收紧，规模较小的机构业务更难做。就他所在机构，今年已经着手调整业务重心，以规避一系列政策可能带来的影响。
对大机构而言，拿牌照、扩展业务线成为转型时的重要选择。
以拉卡拉为例，目前其在支付牌照之外，已经拿到了企业征信、个人征信、小贷及保理等牌照，业务涉及支付、收单、跨境、征信、信贷、基金、商业保理等多个领域。另外，拉卡拉还在全国300多个城市设置了自助终端，深入社区和县级市、农村等区域。
汇付天下同样也有基金支付、基金销售、跨境支付等牌照，并投资了易日升金融和外滩云财富等互联网金融公司。
而对较早进入P2P资金托管的汇付天下来说，所积累下来的互联网理财商户资源自然也是不愿意放弃的一块市场。
汇付数据执行副总裁赵勇认为，国内个人理财市场规模达到40万到50万亿，参与人数还在逐步扩大。P2P等业态的合规及向综合金融平台转型已成为趋势，汇付天下所要提供的就是底层解决方案，支持新金融的下一程发展。