These four payment licenses were cancelled and prepaid card institutions withdrew one after another. The four payment institutions cancelled this time were established on 20 1 1, and have already released delisting signals. These four payment licenses were cancelled and prepaid card institutions withdrew one after another.
These four payment licenses were cancelled, prepaid card institutions withdrew from 1 one after another, and the Bank of official website updated the cancellation list of payment licenses. Four payment licenses of Hebei One Card Electronic Payment Service Co., Ltd., Shanghai Convenience Electronic Commerce Co., Ltd., Jinjiang International Commerce Co., Ltd. and Shanghai Shenchengtong Commerce Co., Ltd. were officially cancelled.
According to the specific information of the payment license, the four payment institutions cancelled this time all hold prepaid card issuance and acceptance licenses, and their business scope is a single province and city. Payment license expires on 202 1 65438+February 21.
Since 20 1 1 central bank issued the first batch of payment licenses, the number of payment licenses has reached 27 1 piece. Later, with the stricter supervision of the payment industry and the changes in the industry environment, the licenses of many payment institutions were cancelled. After the cancellation list was updated, a total of 47 payment licenses were cancelled and the number of payment licenses continued to shrink.
In the latest payment license renewal results announced by the central bank in June 5438+February last year, the People's Bank of China indicated that five payment institutions had not submitted renewal applications and would withdraw from the payment market in an orderly manner. The four payment licenses cancelled this time are among these five, and the other one that has not submitted the renewal application is Xiamen Yitong Card Operation Co., Ltd.
Before the central bank announced the results of 5 1 payment institution renewal, Xiamen Yitong Card Operation Co., Ltd. had appeared on the cancellation list, releasing the signal that Xiamen Yitong Card Operation Co., Ltd. had not renewed its payment license in advance.
In addition to the recent cancellation of a number of payment licenses, there are also payment institutions waiting for the cancellation process of payment licenses. After the termination of payment business, the day of formal cancellation of payment license is getting closer and closer.
In September last year, Guangxi Zhifutong Business Service Co., Ltd. announced that its payment business license will expire on June 26, 2022, and will not be renewed after the expiration, and the company's prepaid card business will be disposed of.
It can be seen that, unlike several institutions whose payment licenses expired, Guangxi Zhifutong Business Service Co., Ltd. voluntarily announced the termination of payment business before the payment license expired, which may be related to the poor management of Guangxi Zhifutong Business Service Co., Ltd.
While many prepaid card institutions give up license resources, some prepaid card institutions are expanding their business step by step. In July last year, Ruixiang Commercial completed the renewal of the payment business license, and its business scope was further expanded from the original Jiangsu Province and Anhui Province, adding business in Shanghai. Prior to this, Ruixiang Commercial has increased its business scope once on 20 18.
In recent years, the changes in the prepaid card industry are obvious to all, and it has become a game for head players, with obvious polarization. Some prepaid card institutions are facing the situation that it is difficult to make profits, and many prepaid card institutions with state-owned background have also given up their payment licenses. On the other hand, head players such as Ruixiang Business have expanded their business scope through mergers and acquisitions and maintained good development, which is bound to be a market for a few high-quality players.
These four payment licenses were cancelled and prepaid card institutions withdrew one after another. The number of payment licenses continues to shrink. 65438+1October 26th, beijing business today reporter noticed that official website-the central bank updated the cancellation list of payment licenses, and four payment licenses were officially cancelled, namely Hebei One Card Electronic Payment Service Co., Ltd. (hereinafter referred to as "Hebei One Card"), Shanghai Convenient E-Commerce Co., Ltd., Jinjiang International Commerce Co., Ltd. and Shanghai Shenchengtong Commercial Co., Ltd. (hereinafter referred to as "Shanghai Shenchengtong").
Specifically, the four payment institutions cancelled this time were established on 20 1 1, and their business types are all prepaid card issuance and acceptance licenses, and their business scope is in a single province and city. The relevant payment license expires in February, 20021121.
The cancellation of the four payment licenses has already released the signal of delisting. In the latest payment license renewal results published by the central bank in February 2002165438, five payment institutions failed to submit renewal applications, including the above four payment institutions. The remaining institution is Xiamen Yitong Card Operation Co., Ltd., which has taken the initiative to apply for cancellation before the renewal.
The specific reasons for the cancellation of the four institutions were not disclosed in the license renewal results and cancellation publicity. 65438+1On October 26th, the reporter from beijing business today contacted Unicard and other institutions in Hebei many times today to find out the reasons for the withdrawal and the follow-up matters, but as of press time, no reply was received. On February 200211,General Rules for Shanghai Shencheng announced in official website that it had applied to the central bank to quit the payment business due to the need of business transformation, and said that it would announce the disposal plan separately.
Su, a senior analyst at Analysys, said that from the perspective of the whole industry, only a small number of prepaid card operators have national business qualifications, and most of them only have regional qualifications. Due to the limited scope of the exhibition industry and the accelerated digital transformation of the industry, institutions that originally focused on offline prepaid card business also stood at the crossroads of transformation, and those who could not keep up with the changes of the times would only choose to voluntarily withdraw.
"Due to the impact of mobile payment, the business development of many prepaid card institutions is not smooth and they are caught in a profit dilemma. "Wang Pengbo, senior analyst of Broadcom Analysis, further explained that at the same time, due to the influence of external environment, such as the implementation of tax reform such as the reform of the camp, the business promotion process of prepaid cards was affected. Driven by many factors, even market institutions failed to do a good job of orderly exit, leading to running away and losing contact. While triggering various risk events, it also dampened the enthusiasm of consumers to participate.
In fact, as Wang Pengbo said, prepaid card institutions have become "frequent customers" on the cancellation list of payment licenses in recent years. According to the information disclosed by official website, the central bank, including the above four payment licenses, the central bank has cancelled 47 payment licenses, leaving 224 payment licenses in the market. In 20021,9 payment institution licenses were cancelled, all of which were prepaid card issuance and acceptance licenses.
Beijing business today today's reporter further inquired and found that in the past, when prepaid card institutions withdrew from the market, only some institutions had clear plans for the use and refund of fees after termination of business, while some institutions just "walked away". "It is difficult to refund prepaid cards" has also been complained by many consumers.
For example, as early as 20 19, consumers reported that the stored value card of Hebei One Card could not be used. At present, the company's official website and customer service phones have been shut down, and they have been breached many times since 20021. 202 1 1 Hebei One Card was fined 330,000 yuan by Shijiazhuang Central Sub-branch of the Central Bank for four violations, such as failing to make relevant changes, failing to deposit or use customer reserve funds as required.
In addition, according to three batches of license renewal information disclosed by the central bank 202 1, the payment institutions that have completed the license renewal also include a number of institutions that carry out prepaid card business. Su told today's beijing business today reporter that the value of prepaid card license lies in the continuous demand for prepaid business in the market, especially in the retail consumption field, such as beauty salons, education and training, chain fitness and so on.
"However, due to the frequent consumption risks of prepaid cards, the supervision of prepaid cards has been tightened in recent years. Judging from the current trend, more institutions will choose to cancel prepaid card licenses in the future. " Su believes, but it does not rule out that the value of prepaid cards will pick up when the environment changes. For example, prepaid cards are illegally issued or similar edge ball products are severely cracked down, or prepaid cards explore new business models, and the industry structure will be reshuffled after the tail institutions withdraw.
Wang Pengbo said that the withdrawal of prepaid card institutions from the market belongs to the spontaneous purification of the market to a certain extent, but it is necessary to protect the legitimate rights and interests of consumers in accordance with relevant laws and regulations. At present, prepaid card institutions with good operating conditions have started digital transformation earlier, and used this to deeply tap the service needs of large customers. This also means that the future business prospects of prepaid card institutions mainly focus on digitalization, and institutions that successfully digitize in key cities or nationwide and hold prepaid card payment licenses may have better development opportunities.
These four payment licenses were cancelled, and three prepaid card institutions withdrew one after another 1.25. According to the information of official website of China People's Bank, four new payment institutions, including Hebei One Card Electronic Payment Service Co., Ltd., Shanghai Convenience E-Commerce Co., Ltd., Jinjiang International Commerce Co., Ltd. and Shanghai Shenchengtong Commerce Co., Ltd., have cancelled their payment business licenses, and the cumulative number of license cancellation institutions has reached 47.
According to the mobile payment network, the above four institutions and Xiamen Yitong Card Operation Co., Ltd. did not submit an application for the renewal of the validity period of the Payment Business License during the second renewal period. The difference is that Xiamen Yitong Card Operation Co., Ltd. announced the cancellation information before the renewal.
Looking at all 47 cancelled payment business licenses, most of them are local prepaid card issuance and acceptance qualifications.
On the one hand, in the field of third-party payment, institutions with prepaid card issuance and acceptance as their main business had frequent risks before.
On 20 17, 1, the People's Bank of China announced a number of incidents in which prepaid card payment institutions misappropriated and occupied customers' reserve funds. Seven institutions including Hunan Starlight Media Co., Ltd., Shanghai Changgou Enterprise Service Co., Ltd., Guangdong Yimin Tourism and Leisure Service Co., Ltd., Zhejiang Yi Shi Enterprise Management Service Co., Ltd., Xi Anyin Xinshangtong Electronic Payment Co., Ltd., Anyi Lianrong Electronic Commerce Co., Ltd. and Guangxi Zhifutong Commercial Service Co., Ltd. were on the list. The total amount of misappropriation by these payment institutions was close to 2 billion yuan, which caused great social adverse effects and directly led to the centralized deposit of the reserve funds of payment institutions by the People's Bank of China. Among the above institutions, Zhejiang Yi Shi, Guangdong Yimin, Shanghai Changgou and Xi 'an Yin Xinshangtong have all had their payment licenses cancelled.
On the other hand, with the promulgation of the eight central regulations, it is strictly forbidden to receive and send gifts, gifts, securities, payment vouchers and commercial prepaid cards in violation of the regulations, and the prepaid card group buying business in the market has dropped sharply. At the same time, the emergence and popularity of mobile payment, to some extent, is also an impact on prepaid cards that are also electronic payments.
With the change of compliance pressure, policy factors and market environment, the business of prepaid card issuing and accepting payment institutions is getting worse and worse, especially local institutions. "It's a pity that it tastes tasteless" has become the norm in the prepaid card industry. Under the trend of stricter payment supervision, the People's Bank of China intends to guide some payment institutions to return their cards, and the issuance of prepaid cards and the acceptance of licenses bear the brunt.