Judging from the recruitment experience of internet giants in the past, Huawei is now actively recruiting, on the one hand, it shows that it has obtained a payment license; On the other hand, it also revealed that Huawei may have new actions in the field of payment.
In 20 16, Xiaomi obtained a payment license. On 20 16 and 12, Liu Yonghao found a joint venture between Lei Jun, New Hope Group, Xiaomi Company and Hongqi Chain to set up a new network bank. On June 2020 1 1 day, Xiaomi Finance held 90% of the shares. Star bank? After its opening, Xiaomi obtained a Hong Kong virtual banking license.
20 16 became the license harvest year of Xiaomi Finance: 1 obtained the payment license in the form of holding; In June, the first insurance product was launched? Xiaomi children's insurance? ; 65438+won the bank license in February.
At this time, Xiaomi Finance? Three business lines and a supporting system? It has become a system with three business lines: credit, wealth management and internet insurance, and the supporting system is based on Mi Pay payment.
Everything is ready, except thunder and thunder. Lei Jun has positioned Internet finance as one of Xiaomi's core strategies, which together with black technology, new retail, internationalization and artificial intelligence constitute Xiaomi's five core strategies.
Third-party payment license The third-party payment license, also known as the payment business license, was officially promulgated by the central bank on June 20 10 in order to strengthen the supervision of non-financial institutions engaged in payment business. Non-financial institutions need to obtain a Payment Business License to become payment institutions, so the legendary third-party payment license came into being.
Advantages of payment license 1, cost advantage
The payment platform reduces the cost of direct connection between the government, enterprises and institutions, and meets the payment needs of enterprises focusing on the development of online business.
2. Competitive advantage
The third-party payment platform is interest-neutral, which avoids business competition with the serviced enterprises.
3. Innovation advantages
The personalized service of the third-party payment platform enables it to innovate the business model according to the market competition and business development of the enterprises it serves, and at the same time customize the personalized payment and settlement service.
4. Payment advantages
In the absence of an effective credit system in the online trading environment, the introduction of the third-party payment mode has solved the problem that the online banking payment method cannot restrain and supervise both parties to the transaction, and the payment method is relatively simple; And in the whole transaction process, commodity quality, transaction integrity, return requirements and other aspects can not be reliably guaranteed; Transaction fraud is widespread and so on.