Joke Collection Website - Blessing messages - Can the automatic repayment of bank cards and online loan contracts be cancelled? How come?
Can the automatic repayment of bank cards and online loan contracts be cancelled? How come?
1. Third-party payment adopts payment settlement. Classification by payment procedure. Settlement methods can be divided into one-time payment and step-by-step payment. The former includes cash settlement, bill settlement (such as checks, promissory notes, bank drafts and acceptance drafts), remittance and transfer settlement (such as wire transfer and online payment). The latter includes letter of credit settlement, letter of guarantee settlement and third-party payment settlement. In social and economic activities. Settlement belongs to trade. The core of trade is exchange. Exchange is the unity of the two opposing processes of delivery and payment currency. Between the normal subjects of freedom and equality. The principles of exchange are equivalence and synchronization. Synchronous switching. In other words, delivery and payment are mutually conditional. This is the guarantee of equivalent exchange.
2. In practice. Used for face-to-face transactions of spot objects. Synchronous switching is easy to realize; However, in many cases, due to the circulation and acceptance of the transaction object (such as the flow of goods and services, the transformation of services and services), this process needs to be completed. The contradiction of unsynchronized and separated goods logistics and capital flow is inevitable. Synchronous switching is usually difficult to achieve. Asynchronous switching. The party who receives the consideration first is likely to violate morality and agreement. Break the principle of equivalent exchange. Therefore, the party who pays the price first will often be controlled by others. Fall into a passive and weak position. Adventure. Only additional credit guarantee or legal support can successfully complete asynchronous exchange. Synchronous switching. The risk of unequal exchange can be avoided. Therefore, in order to ensure equivalent exchange, we should follow the principle of synchronous exchange. This requires the payment method to be compatible with the delivery method. Face-to-face spot trading adapts to the immediate one-step payment method; Face to face or futures trading. Adjust the ladder payment method.
3. The process step-by-step payment method shall conform to the process characteristics of the transaction object's circulation acceptance. From the beginning of payment to the transfer of ownership to the other party, payment is not completed in one step. Instead, add an intermediary hosting link in the middle. Improve the original direct transfer to indirect transfer. Business is transformed from one-step completion to step-by-step operation. Thus forming a process that can be monitored and controlled. Pay conditionally according to the steps. In this way, goods can pass through the freight road. This way. Two-phase echo synchronous takeoff and landing. Make the capital flow adapt to the flow of goods logistics and achieve the corresponding synchronization effect. Make the payment and settlement method more scientific. Rationalization should meet the market demand. The traditional payment method is often simple immediate direct payment. One-step payment bill settlement and bill settlement are suitable for face-to-face spot transactions. Synchronous switching can be realized; Wire transfer and online direct transfer in remittance settlement are also in one step. Adapt to the interface spot transaction.
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