On May 26th, the People's Bank of China issued the Notice on Promoting the Establishment of Long-term Mechanism of Financial Services for Small and Micro Enterprises, which clearly stated that it was necessary to promote technological empowerment and product innovation and improve the level of lending.
The circular calls for strengthening the use of financial technology. All financial institutions should thoroughly implement the Financial Science and Technology Development Plan (2022-2025), increase investment in financial science and technology, strengthen the protection of organizational personnel, and promote digital transformation in an orderly manner.
12 analysis of credit card business in joint-stock banks
Through the 202 1 financial reports of ten listed joint-stock banks (9 A shares and/kloc-0 Hong Kong stocks) and the annual reports of two unlisted joint-stock banks (Guangfa Bank and hengfeng bank), we can observe the details of the credit card business development of each joint-stock bank in a more comprehensive dimension.
The digital RMB App is upgraded again.
Recently, the Digital RMB (pilot version) App released the update of 1.0. 1 1.0 for Android and iOS versions, which expanded the application scope of the auxiliary mailbox.
Users will be able to retrieve their passwords through the auxiliary email address filled in during registration, which is more convenient and easy to use than the previous operation process.
Change of license information of 7 payment institutions
On May 1 1, the People's Bank of China changed the license information of seven payment institutions, including Remittance, le brush and Helibao.
PayPal is "PayPal Payment".
Recently, Guofubao Information Technology Co., Ltd. acquired by PayPal has undergone a series of industrial and commercial changes.
Among them, the company changed its name from Guofubao to PayPal Payment (Beijing) Co., Ltd. Since then, Guofubao has become the past tense of China payment industry and ushered in a new era of PayPal payment.
Aerospace Electronics Renamed Ping Pong Payment
On May 25th, the name of official website of Zhejiang Aerospace Electronic Information Industry Co., Ltd. was officially changed to Ping Pong Payment, and the domain name was changed to www.pingpongxpay.com. Official website shows that its business content is mainly divided into domestic payment and cross-border payment.
Opening domestic payment is the original service content of aerospace electronics, including the original prepaid card business of aerospace e-card, highlighting the words "ping-pong payment".
Tengfutong's parent company delisted.
On May 24th, Tenpay International, the parent company of Tenpay, announced that it had received the decision to terminate the listing of its shares. Tenpay International immediately entered the delisting consolidation period. From May 3, 2022 to Kloc-0, the delisting consolidation period is fifteen trading days. The final trading day is expected to be June 2, 20221day.
At this point, with the scandals such as bankruptcy, deferred review of payment license renewal, and data fraud, the fate of Tenbon International has come to a phased end.
Instead, the seller is charged a payment channel fee.
On May 27th, the second-hand commodity trading platform issued a payment channel fee statement, indicating that from May 30th, a "six thousandths" payment channel fee will be charged for all successful orders in the free market partition.
In a transaction, the user can pay the channel fee of 30 yuan at most, and the transfer platform will continue to bear the excess.
Change of legal representative and shareholders of PayPay
Recently, a series of industrial and commercial changes have taken place in the Internet payment licensee, E-Pay. Zhang, the legal representative, withdrew and Qu became the executive director and manager.
In addition, Wei Kaiqing withdrew from the list of shareholders and added Beijing Xinhua Integrated Data Co., Ltd., holding only 65,438+0% equity of Yi Jifu.
The trend behind anti-epidemic+payment and multi-code fusion
Multi-code fusion is becoming the latest anti-epidemic measure in many cities.
What's the difference between multi-code fusion in different places? Will it bring a new round of payment reshuffle to traffic payment? Today, mobile payment network will talk about this topic.
The bank was fined 265.438 billion yuan for employees lending credit cards.
On May 20th, the Information Disclosure Form of Administrative Punishment of Taizhou Supervision Branch of China Banking Regulatory Commission published on the website of China Banking Regulatory Commission showed that Zhejiang Tailong Commercial Bank was fined 26.5438+10,000 yuan for seven illegal facts such as employees lending credit cards.
2.5-level banks launch digital RMB projects.
With the expansion of the pilot scope, the relevant data of digital RMB will inevitably increase substantially. Behind the "rapid growth" of digital RMB, it is inseparable from the promotion of banks and other institutions.
The mobile payment network made incomplete statistics on the winning bidders of the projects related to the construction of digital RMB system in banks, and * * * counted 24 winning bidders.
The digital RMB smart student ID card is coming.
Recently, in the campus of Hainan Luxun Middle School, Yuya Road, Sanya City, ICBC and China Mobile jointly launched the "Digital RMB Smart Student ID" product based on SIM hard wallet.
The product has built-in NFC module, which integrates digital RMB hard wallet, GPS positioning, family call, emergency help, electronic fence and other functions.
PayPal starts to lay off employees
According to informed sources, Paypal began to lay off employees in the risk management and operation departments this week, hoping to cope with the stagnant growth of users' spending on its platform in recent quarters and ultimately improve the company's profits.
The company laid off dozens of employees in Chicago, Omaha, Nebraska and Chandler, Arizona. According to the document, PayPal also announced the decision to permanently lay off more than 80 people at its headquarters in San Jose, California this month.
Research: the overall rationality of online consumer credit
Digital Financial Center of Peking University opened the "black box" of Internet consumer credit for the first time, and made an empirical study on 165438+ million trading orders. Recently, the paper "Mobile Payment and Credit System Construction in China" was completed.
In the survey sample, about 70% users are not interested in using Internet consumer credit products, which is even higher than traditional credit cards. In terms of the amount, the interest-free expenditure of users accounts for 7 1% of its total expenditure.
Pay-as-you-go promotes service upgrading in the payment industry.
Pay-as-you-go has recently launched a brand-new service concept: paying for experience and paying for quality.
In order to better enhance the user experience, Suifutong launched four major user service commitments, clearly put forward the standardized and supervised service commitments for users and markets, and promoted the positive circulation platform of the industry with practical actions.
Mobile payment network holds live broadcast activities of growth camp
On May 24th, the seventh online activity of Mobile Payment Network Growth Camp was held as scheduled.
Huang, the author of Redefining Risk Control and a senior digital finance expert, analyzed his views on the construction of big data smart risk control system for small and micro enterprises from the aspects of the pain points of the existing small and micro credit risk control model, how to innovate the small and micro credit big data smart risk control system, and what dimensions can be innovated.
Qilu Bank plans to increase capital and share to Shandong City Commercial Bank Alliance.
On May 20th, Qilu Bank announced the resolution of the 19th meeting of the 8th Board of Directors, and deliberated and adopted the Proposal on Capital Increase to Shandong City Commercial Bank Cooperation Alliance.
Qilu Bank intends to participate in the capital increase and share expansion of Shandong City Commercial Bank Alliance, with the proposed capital contribution of1048866,600 yuan. After the capital increase, its shareholding ratio increased from 8.60% to 65,438+03.43%, making it the largest shareholder.
Hebei's fourth batch of financial technology innovation application publicity
On May 20th, a new batch of innovative regulatory tools for financial technology innovation in Hebei Province was publicized.
These innovative financial technology applications involve innovative technologies such as privacy computing, big data and artificial intelligence, and are applied to financial application scenarios such as bank card sleeping customer promotion and green credit.
Shaoxing Bank was fined 5.5 million for anti-money laundering.
Shaoxing Bank was fined 5.5 million yuan for four violations, including failing to fulfill the obligation of customer identification, failing to keep customer identification data and transaction records, failing to fulfill the obligation of reporting large and suspicious transactions, and trading with unidentified customers.
At the same time, Wang Jianming, then deputy general manager of the retail banking department of Shaoxing Bank, Zhao Jiangang, assistant general manager of the operation management department and assistant general manager of the internal control and compliance legal department, Li Ming, then president of Wenzhou Branch of Shaoxing Bank, and Ni Yong, then president of Taizhou Branch of Shaoxing Bank, were respectively responsible for the above violations and were fined1-70,000 yuan.
Hainan Online Digital RMB Prepaid Fund Supervision System
Recently, China Industrial and Commercial Bank Hainan Branch officially launched the first digital RMB prepayment fund supervision system in the Free Trade Port, which provided a new way to solve the pain point of prepayment consumption.
This project gives full play to the technical advantages of digital RMB smart contracts, protects consumers' prepaid recharge funds in digital RMB wallets according to smart contracts, and distributes funds to merchants one by one according to the actual consumption situation, supporting 7*24-hour point-to-point payment, ensuring that merchants can obtain operating cash flow in time.