The Internet eco-terrorism by the test of life and death, this is no alarmist talk. Look at the fitness application on the other Keep
Shang Friday work Qian, Bank announced has non-bank paid institutions network paid business management approach (Xia said "approach views draft") sought views draft, select this is time announced may is wants to low-key, because general media institutions week 6th will rest, and Internet flow also will reduced, but due to Internet fermentation, approach views draft almost in announced of while, on was has users of collective boycott.
User objections and strongly voiced the main points:
1. payment of 5000 limit
Central Bank provides that: If you do not use a digital certificate or electronic signature (especially hardware, does not know how to plug the USB on the phone), today paid accounts in a single day in an amount of not more than 5000 Yuan.
Although Central Bank rumour said, the excess amount will be paid via bank online banking continues to completion, but users still don't buy it, consider online banking payments is cumbersome, can greatly affect the payment experience.
2. more than 200 goods cannot use quick pay
Central Bank provides that payment of more than 200 Yuan, the paying agent shall not replace the Bank for customer identification and transaction authentication, all commonly used quick pay and substandard. Quick pay payment more convenient, is now the network users to pay preferred, this article came out, fast pay will amount too low as "chicken ribs"!
3. the authentication needed five certification
Authentication is the most difficult, comment: paying institutional clients a comprehensive payment account must cross through the five external channels for customer identification. And now customers are in need of rectification.
PayPal now, micro-payment of such mainstream third party payment, only two verified ID + card, to where to find the five validation? is said to have another triple to Ministry of education, school certification, business certification, tax certification.
Who's going to prove "you are you" develop draft implementation difficult
In ideal State Xia, China near 700 million of netizens, have began himself of registered plans, because you total cannot fail to let girlfriend collection clip of items sleeping, to money also is to wife? smart of users are, defying hard, began has do card of Brigade, time police station, and Bureau, and Community Center, and IRD, organ units will began gradually reception nearly 700 million of enthusiasm users, wants to wants to scenes is a Deputy Hi sense, according to population distribution status, domestic more than 3,000 more County City of related sector, Will will average each County City of number a functions sector, each sector reception at least 200,000 passengers above of "do card army", first corresponding sector whether has obligations to do these proved, even can do, whether too delay Government related sector of normal work, waste taxpayers of money? to Internet shopping, future everyone is spell has? drunk has? cry has? also is laugh has?
Executive meeting of the State Council, said the Prime Minister, to produce material proof "your mother is your mother" is a joke. Asked the Prime Minister said: "the attitude of the agencies are accountable to the people, are obstacles to the people?"
China people in handle important event Shi, like married, and buy House, and health children,, will to corresponding of government sector handle corresponding of proved procedures, these proved procedures and need addition of a heap proved to proved again proved, in Government corresponding sector smooth tie of situation Xia, also need spent large of human material, especially time, for commuters, you total cannot in work time roundtrip Yu more at institutions's? you willing to, units may also not willing to's. The Prime Minister's words, entirely from the perspective of concerned people to advocate the reduction of unnecessary links, improving government efficiency, convenient for people to do things.
Ludo, Prime Minister, the Central Bank has five certification requirements over the identity, is really puzzling.
In my opinion, trouble the user. More likely to bring negative impact to the Internet are:
Hit the Internet industry growth rate will slow down
National Internet + strategy, hoping to take advantage of Internet technology to develop our economy, whether it is electric, O2O, service provider or other Internet economy, are inseparable from the capital flows, financial flows, has brought us economic prosperity. Simply sign up for a paid account, will first go to industry and commerce, taxation, community, public security and other departments to prove, as proof of the need for material, involving many departments will, do you still want to go to the registration site account
Product Manager, this may be the feeling of wanting to cry, in product design, Internet product design are intended to reduce the user's registration process and user-friendly, this is good, because it is not necessary to link, the user does not register. No new registered user, that site has value? don't even talk of Internet business model development, particularly with regard to paid links.
Internet + traditional enterprise promoted by future Internet born Jie body to die first, make people laugh or cry, because you have to relate to the payment link, must return to the first step: go with a bunch of material, prove you are you, and then perhaps because the material evidence is not complete, an infinite loop. User is unable to complete the registration, no users, Internet + is a joke.
Real regulation or a selfish new policies enable banks to own
While the Central Bank is holding "regulate the Internet" and "prevention of money laundering" banner, but still cannot cover the protective shadow of self-interest, because the most critical, just pay with your bank, you can green light, this set of double standards, netizens have questioned whether in order to protect the interests of the banks questioned.
The advantages of the Internet is to reduce intermediate links, enhancing the efficiency of industry, reducing costs. We are concerned that many banks have opened a quick pay, especially at the most local banks, or banks.
If the draft is passed, and strictly enforced, along with problem set out above, the banks themselves may not get as much benefit.
According to the rules, many cannot "prove that I am I" users, only a return to the traditional way: Post Office remittance transfers, counter, because only their network transfers, large amounts must also be returned. Many banks is likely to surge in the workload of the counter.
Except workload zhiwai, despite UnionPay prevailed, but user habits, users are with of compared more of also is similar Yu Ali of paid treasure or well-known electric business of paid platform, even has UnionPay support, many small Bank because not has technology and funds strength, no approach real established completed belongs to himself of network Bank construction, led to now rely on through "shortcut paid" way to circulation funds, this also on means with, small bank in future of Internet competition in the, lost competitiveness. What it means to lose competitiveness? please let me remember in China: on June 21, 1998, the people's Bank of China issued a notice, close the Hainan Development Bank was born two years and ten months. Banks will go bankrupt!
Above, Bank introduced of the sought views draft, name for sought views, actually is once public opinion of test, as policy of developed who, especially for a population powers of Bank organization, introduced so major of policy sought views is a normal of work means, but must to consider to political effect and for people life of major effect, in Prime Minister advocates of Internet + times of reform premise Xia, we hope users of views and recommends to about sector brings help, Blessing under the right policies for the protection, the network of Chinese family life will be happy.
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