The third-party payment license, which has been brewing for six years, has finally settled.
On May 26, the central bank officially announced the first batch of third-party payment enterprise payment licenses. A total of 27 companies including Alipay, UnionPay Commercial, Tenpay, Yibao Payment and Quick Money obtained licenses.
In mid-June 2010, after the People's Bank of China officially announced the "Measures for the Management of Payment Services for Non-Financial Institutions" and detailed rules, electronic payment companies actively submitted materials to apply for licenses. Since December 2010, a total of 32 companies have been shortlisted in the list published by the central bank. However, in the end, five companies failed to obtain the "Payment Business License" as expected.
Analyst Zhang Meng of Analysys International stated that before and after the "Management Measures for Payment Services for Non-Financial Institutions" and the detailed rules were issued, the central bank had stated that the number of licenses issued would not be restricted by numbers, but from the perspective of the first batch of companies that obtained licenses, the central bank paid more attention to electronic The "systemic importance" of payment companies including operating level, profitability, governance structure, risk prevention, etc.
It is understood that the types of license business include internet payment, currency exchange, mobile phone payment and bank card acquisition and many other payment business types. This is a major advantage for the electronic payment industry that has not been named for many years.
Wang Gang, general manager of Alipay's Merchant Business Department, said: "Licensing will be a stimulant for our future expansion in the industry. Alipay will not only have to do as simple as access interfaces in the future, but by opening up the industry industrial chain to serve downstream Many users at the end provide better service and experience. "
Tang Bin, CEO of Yibao Payment, said that the issuance of licenses means that electronic payment companies have an equal opportunity with other financial institutions, which helps electronic payment companies reduce business operating costs and obtain high-quality talent.
According to the 2010 Online Payment Industry Report released by Analysys International, the domestic third-party payment market reached 454.6 billion yuan in the first half of 2010, an increase of 33% from the previous month and 89% from the same period in 2010. In 2011, the scale of the third-party payment market will exceed 1 trillion yuan, and in 2012 China's Internet online payment market is expected to reach 1.6 trillion yuan.
According to Tang Bin, after obtaining the license, Yibao Payment will expand its industries including insurance, funds and other industries in addition to its advantageous industries such as digital entertainment, telecommunications, aviation and education. At the same time, Yibao Payment plans to launch a larger and more advanced talent recruitment, including technical, marketing and other positions, network IT, finance and compound talents familiar with various industries.
It is worth noting that in the rapid development of China's electronic payment industry, the first batch of licensed companies such as Alipay, Tenpay, Yibao payment, and Quick Money have occupied 80% of the market share of the electronic payment industry. With the issuance of licenses, The oligarchic effect of third-party payment companies in the first camp is more obvious.
Another industry source said that before this, the central bank had stipulated that September 1, 2011 is the deadline for third-party payment institutions to obtain licenses. For enterprises that are qualified to apply for licenses, there is still a chance if they can speed up the process of applying for licenses. But overall, companies that have not yet obtained a license are under great pressure.
"The electronic payment industry is about to enter the fast lane, and domestic integration and mergers and acquisitions may begin immediately. For companies that fail to obtain licenses, the failure to obtain licenses will mean that they cannot continue to provide payment services. "A valuable path." Tang Bin said, "Yibao payment will also start mergers and acquisitions at the right time.
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