Payment license test: Kailian Pay and other eight suspended censorship, many prepaid card companies take the initiative to retreat

Huaxia Times (chinatimes.net.cn) reporter Fu Bixiao Beijing report

On June 26, the central bank issued the fourth batch of non -bank payment institutional licenses for renewal information. Of the 79 institutions, 52 of the 79 institutions successfully passed the renewal, including Beijing Didi Payment Technology Co., Ltd. and Nanjing Suning Yibao Network Technology Co., Ltd., Shenzhen Mei's payment technology Co., Ltd., Zhejiang Vipshop payment service Co., Ltd., etc.

The institutions that have no successful exhibitions are divided into four cases: the application for renewal applications of 8 payment institutions including Jialian Payment Co., Ltd. has been suspended for review; 8 institutions including Zhejiang Yinfong Information Technology Co., Ltd. actively withdraw from the industry; Shanghai 10 institutions such as Leyi Information Technology Co., Ltd. have not submitted the application for the effective period of the "Payment Business License" and will not renew the exhibition. There is also an institution -Huitongbao Payment Co., Ltd.'s license renewal application has been decided to not accept it by the central bank.

On the whole, the withdrawal of the payment industry is mainly prepaid card institutions.

8 suspended review

According to the central bank's announcement, the application for the renewal of eight payment institutions was suspended for review. These 8 institutions are: Huichao Payment Co., Ltd., Shanghai Hanyin Information Technology Co., Ltd., Yinshitong Information Technology Co., Ltd., Jialian Payment Co., Ltd., Jiupai Tianxia Payment Co., Ltd. Company, Jiangxi Payment Information Technology Co., Ltd., Yunnan Numerous Payment Management Co., Ltd..

The reason for the suspension of review is that these companies have the "Measures for the Implementation of the Administrative License of the People's Bank of China" (hereinafter referred to as the Measures) specified in Article 24.

Article 24 of the "Measures" includes: the applicant was investigated or investigated for suspected illegal and illegal regulations, and the case has not yet been settled, and the impact on administrative permits has impact; the applicant is subject to restricting business activities in accordance with the law, ordered the suspension of business to rectify; People who take over, have not yet expired, and the applicant's initiative to suspend the censorship.

Broadcom analyzed the senior analyst of the financial industry Wang Pengbo told the reporter of the Huaxia Times that the types of payment of the payment institutions of eight suspended acceptances are no longer limited to prepaid cards, bank card receipts and mobile payment, and Internet payment licenses. Jialian Paying such a well -known bill of receiving institutions in the industry. The predictable situations include changes in property rights caused by licenses, and are still waiting for acceptance during the rectification period.

Jialian Payment is a subsidiary of a listed company's new country (300130.SZ). On June 27, the new country announced that the "Payment Business License" paid by Jialian was at the stage of suspended renewal review. At this stage, the business of the new country can be carried out normally and is not affected. New countries will closely involve matters related to the suspension of the regulatory department. After the suspension of the situation disappears, renewal matters will be initiated immediately. However, the announcement of the new country's announcement did not disclose what the existence of the existence of Jialian payment, which led to the suspension of the censorship.

Regarding the reasons for the suspension of several other institutions, the reporter of the Huaxia Times called Huichao Payment, Sinosteel Yincong and other company official website to conduct interviews, but the staff of the other party said that the specific reason was not clear. The staff also told reporters that the suspension review of the license renewal will not affect the company's normal payment business.

In addition, due to the situation stipulated in Article 17 of the Measures, the central bank decided not to accept the renewal application of Huitongbao Payment Co., Ltd.'s "Payment Business License", and no longer renew its "Payment Business License" validity period.

The circumstances stipulated in Article 17 of the Measures include: applications do not belong to the scope of the central bank's authority; if the correction materials provided by the applicant are incomplete and do not meet the legal form; after the applicant's correction Essence

As for the specific situation of Huitongbao, the reporter of Huaxia Times called Huitongbao Company by Tianyancha to interview, but the number failed to connect.

Actively exit and not submitted applications

In this renewal, eight agencies have taken the initiative to withdraw from the industry, and 10 institutions have not submitted an application for renewal.

Shanghai Xinhua Media Electronic Commerce Co., Ltd., Shandong Chengyi Cartoon Payment Co., Ltd., Shenzhen Shanglian Commercial Electronic Technology Co., Ltd., Shaanxi Post Western Post Electronic Payment Co., Ltd., Xiamen Xiangyu Payment Co., Ltd., Kunming Card Mutual Card Payment Technology Limited, Zhoushan Mingsheng Business League Technology Service Co., Ltd., and Zhejiang Yinfong Information Technology Co., Ltd. have taken the initiative to withdraw from the validity period of "Payment Business License".

Shanghai Yifu Digital Technology Co., Ltd., Shanghai Commercial High -tech Development Co., Ltd., Shanghai Leyi Information Technology Co., Ltd., Shanghai Ruide Enterprise Service Co., Ltd., Commercial Bank Information Payment Service Co., Ltd. , Yinxinlian (Beijing) Payment Co., Ltd., Beijing Guangju Pay Co., Ltd., China Travel (Beijing) Information Technology Co., Ltd., and Guangxi Payon Business Service Co., Ltd. did not submit the application for the "Payment Business License" effective period Renewal.

Most of the institutions that take the initiative to withdraw from and have not submitted the application for renewal are prepaid card companies, such as Shandong City Union Cartoon, Shenzhen Commercial Commercial, Zhoushan Mingsheng Commercial League, Zhejiang Yinfu Tong, Shanghai Leyi, Shanghai Ruidi, Beijing Yinyin The business types of several institutions such as Boschi World include the issuance and acceptance of the prepaid card issuance and acceptance, and the scope of the exhibition industry is limited to one province (city).

Wang Pengbo believes that the reason behind this is mainly due to the rise of mobile payment to drive changes in the overall business logic. At the same time, the relevant management regulations of reserve funds, changes in tax policies, etc. will affect the performance of the prepaid card holding institution of the original model. Therefore, you can see that you can see There are many cases of survival of the fittest. Among the payment institutions withdrawing from the industry, Kolka and Shanghai Yipu are more special, and their business types are digital TV payment. Card Kaka issued an announcement on June 13 stating that the central bank has approved the company's application for withdrawal from the payment business, and the company is actively applying for the cancellation of the work of the "Payment Business License" related work. Card card staff also told the reporter of the Huaxia Times that the withdrawal is mainly because the amount of payment business on the platform is small, so the company will no longer conduct payment business in the future and turns to digital television business.

In addition, the business types of Shangyin Xinxin are relatively wide. In addition to the prepaid card, it also includes Internet payment nationwide. However, Shang Yinxin had previously received huge tickets. In 2020, Shangyin Xinxin had 16 violations and was fined 115 million yuan.

Attachment: List of successful payment institutions for this license renewal:

Editor -in -chief: Meng Junlian Editor: Ran Xuedong

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