Domestic payment newsletter! UnionPay China UnionPay Express App access Tencent and WeChat more usage scenarios

202 1.9.27 domestic payment industry information

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UnionPay China UnionPay Express App access Tencent and WeChat more usage scenarios

On September 26 th, as early as August, some netizens found that China UnionPay Express App can pay in Taobao App, and it also supports transferring money to Alipay and WeChat wallet, which means that both WeChat Payment and Alipay have gradually liberalized the ecological closure restrictions.

Following the mutual recognition and scanning of payment codes, the interconnection between Tencent and China UnionPay Express has ushered in a further breakthrough. For example, China UnionPay Express App now supports the recharge service of Q coins, QQ music and Tencent video.

In addition, the WeChat applet can now support China UnionPay Express App payment (gray scale test, the first batch of applets include WeChat reading and Tencent video, etc. ).

It is understood that Tencent has previously published the "WeChat External Link Content Management Specification", announcing that WeChat will implement "security as the bottom line" interconnection, and will actively cooperate with other Internet platforms to explore the technical possibility of using WeChat services smoothly on other platforms to achieve further interconnection.

Previously, some user tests found that China UnionPay Express App has supported payment by scanning WeChat and Alipay "personal collection code", while some bank apps such as ICBC and CCB can also scan WeChat and Alipay collection code for payment; However, the payment code of China UnionPay Express does not support the identification of WeChat and Alipay App.

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CCB will reduce some payment fees for small and micro enterprises and individual industrial and commercial households.

On September 24, CCB announced that in order to do a good job in financial services, continuously benefit enterprises and the people, and effectively reduce the operating costs of market entities such as small and micro enterprises and individual industrial and commercial households, according to the requirements of the Notice on Reducing the Handling Fees of Small and Micro Enterprises and Individual Industrial and Commercial Households and the Proposal on Reducing the Handling Fees of Small and Micro Enterprises and Individual Industrial and Commercial Households, CCB intends to adjust some preferential measures in the Service Price List of CCB, which will be implemented from 0: 00 on September 30.

CCB has always implemented the decision-making arrangements made by the CPC Central Committee and the State Council, strengthened inclusive finance services and improved the efficiency of financial services for small and micro enterprises. CCB has established a mature guarantee mechanism in terms of credit scale, credit policy, incentive fees, performance appraisal, internal funds and economic capital occupation.

For example, strengthen the assessment of indicators such as first-time borrowers, credit loans and renewal loans, give small and micro enterprises preferential policies in terms of provision provision and bad tolerance, and implement a differentiated responsibility identification mechanism.

At the same time, in order to enrich the supply of products and services, this year CCB increased its support for individual industrial and commercial households and developed a series of "good loans" products; Continue to promote platform operation and ecological construction, optimize customer experience and improve service efficiency.

In implementing the bail-out policy and supporting small and micro enterprises in difficulty, CCB, on the one hand, arranged the extension of eligible inclusive loans for small and micro enterprises in accordance with relevant requirements to help enterprises tide over temporary operational difficulties and support their continuous operation; On the other hand, we will promote the construction of intelligent risk management tools, improve the comprehensive evaluation dimension of customer risk, strengthen the maturity management of existing customers, provide effective risk information reference for credit decisions such as loan renewal, and ensure that risks are generally controllable while supporting related businesses.

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China CITIC Bank: Further implement the policy of reducing fees and making profits.

Recently, CITIC Bank issued an announcement on further implementing the policy of reducing fees and making profits. The announcement shows that in order to implement the work arrangement of the Notice on Reducing the Handling Fees of Small and Micro Enterprises and Individual Industrial and Commercial Households (Yinfa [202 1] 169) issued by the four ministries and commissions, actively respond to the relevant measures of the regulatory authorities, and strive to assume social responsibilities, CITIC Bank plans to start from September 30, 20021year.

According to the Measures for the Administration of Service Prices of Commercial Banks (Order No.20 1 41issued by the National Development and Reform Commission of China Banking Regulatory Commission), the adjusted service items and service prices are now publicized as follows:

First, cancel some bill business charges, including the cost of cheque and loss reporting fee, as well as the handling fee, cost of cheque and bank draft. The preferential period is long-term.

Second, reduce the service fee for bank accounts. On the basis of waiving the management fee and annual fee of all corporate client settlement accounts in the early stage, the service fee of all corporate client settlement cards is waived this time, with a preferential period of 3 years.

3. Reduce the handling fee of RMB transfer and remittance, and give a 10% discount to the single inter-bank transfer and remittance business with a counter channel of 654.38+10,000 yuan, with a preferential period of 3 years.

Fourth, the bank card swiping fee will be reduced. The standard merchant debit card service fee and network service fee will be subject to a 10% discount on the basis of the current government guidance price, and the cap value will remain unchanged. The preferential merchant service fee and network service fee will continue to be subject to a 7.8% discount on the basis of the current government guidance price. As an acquirer, our bank will also reduce the merchant's acquiring service fee for a preferential period of 3 years.

5. Reduce the bank account opening fee, and give 50% discount to all corporate customers who open corporate settlement accounts in our bank, with a preferential period of 3 years.

6. Reduce the handling fee of inter-bank transfer and remittance (online banking, mobile banking and other channels), and give a 10% discount to the inter-bank transfer and remittance business with a single amount of 654.38+10,000 yuan (inclusive) according to the current charging standard; Reduce the remittance fee (counter channel) of the Bank's off-site transfer, and exempt the remittance fee for a single off-site transfer of less than 65,438+10,000 yuan, with a preferential period of 3 years; Bank transfer through public online banking and mobile banking channels will continue to be free of remittance fees.

7. Reduce the handling fee of inter-bank transfer and remittance (ATM channel), and give a 10% discount to all inter-bank transfer and remittance services handled by corporate customers through ATM channels according to the current charging standard, with a preferential period of 3 years.

8. Reduce the service fees for online banking and direct connection between banks and enterprises, and offer a 50% discount to all corporate customers for a period of 3 years.

Nine, reduce the enterprise cash management service fee, give all enterprise customers a 50% discount for a period of three years.

Ten, reduce the annual fee of digital certificate, give all corporate customers a 50% discount for a period of three years.

Eleven, reduce the cost of enterprise security certification tools, delete the USBKEY； of ordinary enterprises; The cost of Bluetooth USBKEY is charged to all enterprise customers at the cost price, and the special USBKEY for direct connection between banks and enterprises is provided to customers free of charge. The preferential period of the above projects is 3 years.

04

Liu Liange, President of China Payment and Clearing Association: Four Major Payment Development Measures

On September 24th, Chen Bo, Executive Vice President and Secretary General of China Payment and Clearing Association, delivered a speech at the 10th China Payment and Clearing Forum.

How to serve the real economy more effectively and help build a new development pattern from a new orientation and perspective requires the whole industry to think and explore and practice together. Liu Liange put forward the following four initiatives:

First, further improve the consciousness of serving the "14 th Five-Year Plan" and the important deployment of the country.

Further smooth the trading links, support the construction of a large circulation system covering logistics, capital flow and information flow, and serve the digital and intelligent transformation of the circulation industry, so as to play a more active and effective role in opening up domestic circulation and domestic and international dual circulation.

Second, further improve the pertinence of serving the real economy and the needs of the people.

Actively sink the service center, improve the service ability to third-and fourth-tier cities and rural areas, focus on the pain points of small and micro enterprises and merchants, create a professional, distinctive and comprehensive service economic system, and open up the blood of the real economy.

Close to the needs of the people, help the elderly to cross the "digital divide" in the payment field and better meet the people's needs for a better life.

Third, further improve the security of payment and clearing services.

Further improve the construction of internal compliance system, fully integrate the concept of compliance into all stages of product research and development, process design and technology application, and improve the sustainable development capability of the industry. Further play the role of payment as a tool of social governance, strengthen the joint efforts of industry risk control, block the channels of illegal fund transfer, protect the safety of people's funds and safeguard national financial security.

Fourth, further improve the universality of innovative application of payment technology.

We should further embrace the changes of the times, deepen the transformation with the promotion of digital currency and digital account opening, actively use tools such as suspicious transaction identification, delayed transaction and smart contract, promote the deep integration of scientific and technological means such as blockchain and Internet of Things with business scenarios, accelerate the development of payment services in a refined and intelligent direction, and provide a solid payment foundation for industrial transformation, upgrading and modernization.