Open business day-to-day

Chapter 336 Network Payment License
In the afternoon, after listening to a class, Lin Rui was studying in the self-study room.

Suddenly the phone rang, picked it up and saw that it was Sun Yutong, left the study room, and came to a secluded corridor.

"Hey Yutong, what's the matter?"

Sun Yutong said: "Just now the Provincial Banking Regulatory Bureau contacted the company and asked if we need to apply for an online payment license?"

Lin Rui was stunned. The online payment license is a new thing. I heard that it has just been issued and implemented this year.

In the past, there were quite a few companies engaged in online payment, but none of them were formal. Now the country has begun to regulate this industry, issuing online payment licenses to qualified companies, and directly banning unqualified companies.

During this period of time, Weiyang Technology used Alipay, Tencent’s TenPay, online banking and other online payment channels, and did not establish its own payment business.

Now hearing what Sun Yutong said, Lin Rui suddenly felt that it would be nice to have a payment company belonging to Weiyang Technology, at least this industry seems to have a promising future.

These thoughts flashed through his mind, and Lin Rui said, "What does the Provincial Banking Regulatory Bureau say specifically?"

Sun Yutong said: "I didn't say much, that is to say, our company is the only Internet company that is eligible to apply for a payment license in the whole province. Even in so many provinces in the central and western regions, there are only two or three companies that are currently eligible to apply for a payment license including us. That's all."

"It is said that this opportunity is rare. The state will stop paying for the issuance of licenses by September [-] at the latest. The next batch will wait until a year later. In the future, this license may become more and more scarce."

"If we need it, we need to hurry up and declare, and they will help us handle it!"

Lin Rui thought for a while and said, "Okay, the establishment of the company's own payment channel is also a future trend. Leave this matter to Mr. Zhao. He is an expert in this field. I will call and communicate with him later."

After hanging up the phone, he dialed Zhao Yan's cell phone directly, and explained the matter to him, and he will be responsible for the next matter.

Lin Rui was not idle either. He came to the study room, turned on the computer, and began to search for information in this area.

He really hadn't thought about establishing his own payment channel before, mainly because the company was established for a short time, only a year ago.

Moreover, the company did not have such a need before, and only after the page game platform and Weiyue Chinese online launched in the past few months did they need to recharge before starting to use online payment, and there was some connection.

However, it can be estimated that with the popularization of smart phones in the future, more and more people will be connected to the Internet, and everyone can access the Internet anytime and anywhere. The market space in this regard can be imagined.

We are currently in the era of the digital economy. In the future, the payment industry may develop into an industry infrastructure that connects funds, people, and enterprises. As a traffic portal for the enterprise ecology, it occupies an important position in the network economy.

Thinking about it this way, the online payment industry has a bright future.

After searching the Internet, I found a lot of news about payment licenses.

央行2010年6月发布《非金融机构支付服务管理办法》，该办法自2010年9月1日起施行。

The Measures stipulate that non-financial institutions engaged in payment business shall apply for a "Payment Business Permit" within one year from the date of implementation of these Measures.Those who fail to obtain it within the time limit shall not continue to engage in the payment business.

So far, if the third-party payment license issued by the central bank is not obtained before September 2011, 9, payment companies will not be allowed to engage in this industry.

September 9 has also become the "big limit" for whether payment companies can obtain legal status.

If the current online payment companies still have not obtained the license before September [-], they can be closed directly, because you have broken the law.

There are a batch of lists circulating on the Internet. It is said that these 27 companies have passed the audit and are the first batch of payment licenses to be issued, but they have not yet been officially announced.

Lin Rui looked at the list, Alipay, Tenpay, Lakala, Tonglian Payment, Yinsheng Payment, Huifu Tianxia, ​​PayPay, Yisheng Payment, etc...

Alipay belongs to Ali, Tenpay belongs to Tencent, Yinsheng Pay belongs to Shanda, and he is not very familiar with the rest.

However, I heard that state-owned enterprises account for a lot of them. For example, the three major domestic telecom operators, China Mobile, China Unicom, and China Telecom, have also applied for their respective network payment licenses this time.

Although Lin Rui didn't know the specific names, they must be on this list.

From this aspect, the list is relatively credible, and many well-known financial media are citing it, but one of the statistics is also quite interesting.

It also made Lin Rui understand why the Provincial Banking Regulatory Bureau asked Weiyang Technology whether it needed to apply for an online payment license.

Of the 27 approved companies, 24 of them are located in Beijing, Shanghai, Guangzhou and Shenzhen. These four first-tier cities have a high degree of concentration.

There are three remaining, one of which is Alipay in Hangzhou, one in Suzhou, one in Jiangcheng, and none in other places.

Especially in the central and western regions, with so many provinces and populations, only one company in Jiangcheng has passed the audit, and the data is pitifully small.

Weiyang Technology, as the largest Internet company in the province and even in the central and western regions, has now reached the threshold for applying for a payment license with the rapid development during this period.

As the only online company in the province and one of the very few in the central and western regions that is eligible to apply for a payment license, although Weiyang Technology did not realize it before, it did not attach importance to the payment license.

But as a banner of the province's technology industry, it is also the face of the province's technology industry. You didn't notice it, but the government did.

This kind of license can only be obtained by a very small number of Internet finance companies in the country, and it is even rarer in inland provinces. How can you miss it!
As one of the few large-scale Internet companies that can develop in inland areas, it is indeed more valued by local governments than traditional companies.

Lin Rui believes that if Weiyang Technology is in Beijing, Shanghai, Guangzhou and other areas, it would be too much to want the government to care so much, and even remind you to apply for an online payment license.Because there are too many technology companies there, it is too difficult to get such attention.

But if you switch to the central and western regions, you are their key support object. There are no competitors, and all kinds of policies and resources will be used on you.

I searched for this information on the Internet and found that it is really not easy to obtain an online payment license. Even Weiyang Technology a few months ago may not have this qualification.That is to say, during the time after the year, Weiyang Technology barely meets the requirements.

No wonder the Provincial Banking Regulatory Bureau didn't notify earlier, didn't notify later, and only notified now, probably because Weiyang Technology has a chance now.

As for whether the application will be rejected after submission, Lin Rui is still very optimistic about this matter.

China's affairs should not only be considered from the economic level, but also from the political level.

If Weiyang Technology is in Beijing, Shanghai and Guangzhou, it will only start to declare now.It is very difficult to get the first batch of online payment licenses, and there is little hope, and the local government will not do anything for you.

But this is the central region. Weiyang Technology is the largest Internet company in the central and western regions and the only company in the province that is eligible to apply for an Internet payment license.

In this case, no matter how you look at it, as the banner of the province's scientific and technological circles, the local government will give full support.

From a political point of view, the government pays the most attention to balance. In the first two to three decades, the government vigorously supported the development of coastal areas.From policies, to funds, to talents, a series of support has been carried out for coastal areas, and a number of special economic zones have been established.

Now the coastal areas are basically developed. From a balance point of view, the strategy of the rise of the central region and the strategy of developing the western region have officially begun to be implemented.

After all, the chief designer, the old man, said that let some people get rich first, and then get rich first and then get rich later.

Let some areas get rich first, and then let the rich areas drive the poor areas.

Although most of the first rich people now only want to make their own wealth more, they don't have the idea of ​​making others rich.

The same is true for the areas that became rich first. Why should we help other areas? It is our own ability to develop.

This is not necessarily true. In the early days of reform and opening up, it was still illegal to do business in inland areas.

The state has carried out a series of loosening and support for coastal areas, from policy to economy to talents, and established a series of special economic zones, which is bound to enrich some areas first.

The inland region provides a series of talents from the bottom to the high end, with a steady stream of cheap labor and high-end talents.

It also provides a huge consumer market, so that the things produced can be sold.

Providing both productivity and markets, coastal areas have rapidly accumulated primitive capital and developed by virtue of these advantages.

Without the strong support of the country, it is really unrealistic to say that all of this is based on one's own efforts.

To say that China's biggest advantages are actually policy advantages and geographical advantages.

The policy advantages are well understood.

In terms of geographical advantages, look at the top four in China's GDP, all of which are coastal provinces.

The most developed cities in China are either along the coast or along the Yangtze River, with well-developed shipping.

Needless to say along the coast, there are several major special economic zones and major port cities.Along the Yangtze River, Suzhou, Nanjing, Wuhan, Chongqing, and Chengdu are all important economic cities.

As for the inland area, it does not rely on the sea or the Yangtze River, but only on policies. Whoever has strong policy support will be able to develop well.

Now there are many comparisons of the North-South economy on the Internet, as a geographical advantage.

In fact, the real geographical advantages are the sea and the Yangtze River, which have little to do with the north and south.As an export-oriented economy, China's economy will not be bad in any place that is close to the sea, the Yangtze River, and where shipping is developed.

As for other places, there is not much difference between the north and the south.

Even Guangdong, which has dominated the economic rankings all year round, may be very developed in everyone's impression, but only the coastal cities are really developed, and the development is extremely uneven.

Like Heyuan, Jieyang, Meizhou... these prefecture-level cities.

The per capita GDP does not even reach the national average level, and it is not much different from the underdeveloped cities in the central and western regions.The biggest difference may be that it is more convenient to work, closer to the coastal cities, and can return home several times a year.

Now with the rise of coastal cities, the uneven development of various regions has begun to appear.As a country, it is also a means of balance to slowly transfer the policies and resources previously used in the coastal areas to the central and western regions.

Weiyang Technology, as a typical Internet company that suddenly emerged in the central and western regions, no matter for regional balance or other factors.Compared with Internet companies in first-tier cities, they have great policy advantages.

This is why Lin Rui is so optimistic about Weiyang Technology's ability to obtain an online payment license.

When he arrived at the company the next day, Zhao Yan was already preparing various application materials. There was no accident, and he could hand them in tomorrow.

Lin Rui was not idle either, first let Sun Yutong register a wholly-owned subsidiary of Weiyang Technology, "Weiyin Payment", as the main operating company of the future network payment, no accident, the name of the payment platform of Weiyang Technology in the future is "Weiyin Silver payment".

However, although it is a subsidiary, it is only in name and will not become a separate system, but a department of Weiyang Technology.

After doing this, Lin Rui called the company's top management to hold another meeting in the morning, mainly to discuss the issue of online payment licenses.

Everyone is very supportive of this matter. As one of the few companies in China that is qualified to be the first batch of online payment licenses, there is no reason to refuse.

Moreover, the future of online payment does have great prospects, and Weiyang Technology also has a foundation in this regard.

For example, the page game platform and Weiyue Chinese website can be connected to these two platforms first, and start attracting users from the top-up of the two platforms.

For example, Weiyang Technology has invested in so many companies, and it is not a problem for the products developed by these companies to support "Weiyin Payment".

Just like the Shanghai food delivery platform "Ele.me" that just invested in, as a major shareholder, it is not easy for them to access Weiyin payment.

The most important thing is Weiyang Weibo. With so many users as the foundation, we can always find suitable promotion methods in the future.

Subsequently, Lin Rui announced a decision to transfer a group of personnel from various departments to form an online payment business department.At the same time, the technical department should also do a good job in docking, and work with the online payment business department to do a good job in the development of payment software.

After the meeting, Lin Rui thought about finding a reliable professional, and contacted a headhunting company to ask them to recommend a few high-end talents in Internet finance.

At the same time, on Zhao Yan's side, it also depends on whether he knows any talents in this field, and poach a few to be the future person in charge and backbone of the Internet Payment Division.

In the next few days, when the application materials were submitted, it was given a green light all the way. It passed the review of the Provincial Banking Regulatory Bureau and was reported. Presumably there will be no obstacles in the future.

The school recruitment work is gradually coming to an end, and many people have already begun to enter Weiyang Technology for internship.

Not surprisingly, the first group of people who entered the company were the 80 recruited by the three major local universities. Weiyang Technology itself is not far from several universities, and everyone can easily get there by bus.

Even during the internship, living in school is more convenient than renting a house, which is convenient and cost-effective.

With the registration of school enrollment, the total number of Weiyang Technology quickly exceeded one thousand, which made Lin Rui happy for a while.

(End of this chapter)