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广东省人民政府首页  >  要闻动态  >  广东要闻

你每天都在用钱,钱是怎么发展的你懂吗?

来源: 南方日报网络版     时间: 2019年11月18日 00:12:59
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(而)(如)(果)(票)(号)(信)(誉)(良)(好)(,那)(么)(存)(款)(人)(甚)(至)(不)(用)(取)(银)(子)(,直)(接)(把)(银)(票)(当)(钱)(支)(付)(出)(去)(就)(行)(。这)(意)(味)(着)(出)(现)(了)(“存)(款)(货)(币)(”,也)(就)(是)(直)(接)(把)(银)(票)((存)(款)(凭)(证)()当)(钱)(花)(。
我)(们)(的)(故)(事)(从)(这)(里)(开)(始)(讲)(。
我)(们)(要)(注)(意)(钱)(的)(两)(种)(主)(要)(形)(式)(:现)(金)(和)(存)(款)(。不)(同)(形)(式)(,会)(有)(不)(同)(的)(支)(付)(形)(式)(。
我)(们)(还)(要)(注)(意)(支)(付)(场)(景)(的)(两)(大)(类)(型)(:现)(场)(支)(付)(和)(远)(程)(支)(付)(。现)(场)(支)(付)(是)(指)(收)(付)(双)(方)(现)(场)(见)(面)(完)(成)(交)(易)(。
传)(统)(上)(,现)(金)(适)(合)(现)(场)(支)(付)(,存)(款)(则)(大)(多)(是)(远)(程)(支)(付)(,有)(一)(定)(分)(工)(。
二)(、适)(用)(于)(现)(场)(支)(付)(的)(现)(金)(
本)(章)(要)(点)(
现)(金)(,不)(管)(是)(纸)(钞)(还)(是)(电)(子)(现)(金)(,主)(要)(应)(用)(于)(现)(场)(支)(付)(,小)(额)(便)(捷)(。
现)(金)(,是)(指)(拿)(在)(手)(上)(的)(货)(币)(,以)(前)(是)(贝)(壳)(,后)(来)(是)(贵)(金)(属)(,目)(前)(主)(要)(是)(纸)(币)(,但)(电)(子)(现)(金)(也)(已)(出)(现)(。当)(然)(,电)(子)(现)(金)(不)(能)(拿)(在)(手)(上)(,它)(得)(储)(存)(于)(电)(子)(存)(储)(介)(质)(里)(,比)(如)(一)(张)(IC卡)(,或)(者)(硬)(盘)(,它)(附)(有)(防)(复)(制)(技)(术)(。各)(种)(电)(子)(存)(储)(介)(质)(可)(比)(喻)(为)(“电)(子)(钱)(包)(”,电)(子)(钱)(包)(可)(拿)(在)(手)(上)(。
现)(金)(的)(特)(点)(是)(不)(记)(名)(,若)(遗)(失)(就)(难)(以)(追)(回)(。其)(优)(势)(是)(方)(便)(迅)(捷)(,一)(手)(交)(钱)(一)(手)(交)(货)(,钱)(货)(两)(清)(。
现)(金)(支)(付)(的)(主)(要)(方)(式)(,就)(是)(当)(场)(交)(付)(,专)(业)(术)(语)(一)(般)(称)(“现)(场)(支)(付)(”。
若)(想)(用)(现)(金)(实)(现)(远)(程)(支)(付)(,那)(么)(可)(把)(现)(金)((纸)(币)(、贵)(金)(属)()邮)(寄)(给)(对)(方)((或)(者)(托)(人)(捎)(过)(去)()。邮)(寄)(现)(钞)(是)(被)(邮)(政)(法)(规)(禁)(止)(的)(,但)(是)(由)(于)(邮)(政)(法)(规)(同)(时)(还)(保)(护)(寄)(信)(人)(的)(隐)(私)(权)(,一)(般)(不)(会)(拆)(信)(查)(看)(,所)(以)(禁)(寄)(现)(钞)(的)(规)(定)(基)(本)(上)(形)(同)(虚)(设)(。其)(风)(险)(是)(邮)(寄)(遗)(失)(。
但)(这)(种)(邮)(寄)(现)(钞)(毕)(竟)(罕)(见)(,现)(金)(的)(主)(要)(应)(用)(场)(景)(还)(是)(现)(场)(支)(付)(。
电)(子)(现)(金)(就)(略)(为)(复)(杂)(。它)(是)(存)(储)(于)(电)(子)(存)(储)(介)(质)(中)(的)(钱)(,如)(果)(是)(现)(场)(支)(付)(,一)(般)(是)(用)(一)(个)(读)(取)(IC卡)(的)(设)(备)((拍)(卡)(或)(插)(卡)(),基)(于)(一)(定)(的)(技)(术)(标)(准)(和)(授)(权)(,将)(IC卡)(里)(的)(电)(子)(现)(金)(拿)(走)(,存)(到)(他)(们)(的)(存)(储)(设)(备)(上)(。最)(为)(典)(型)(的)(是)(交)(通)(卡)(。
而)(电)(子)(现)(金)(的)(远)(程)(支)(付)(,则)(是)(把)(电)(子)(现)(金)(直)(接)(用)(网)(络)(发)(送)(给)(对)(方)(。这)(也)(依)(赖)(一)(定)(的)(技)(术)(标)(准)(和)(授)(权)(。对)(方)(收)(到)(后)(,存)(到)(自)(己)(的)(电)(子)(钱)(包)(里)(。
一)(般)(来)(说)(,远)(程)(支)(付)(不)(是)(现)(金)(的)(主)(战)(场)(,现)(金)((不)(管)(纸)(币)(还)(是)(电)(子)(现)(金)()主)(要)(运)(用)(于)(现)(场)(支)(付)(。因)(为)(有)(遗)(失)(风)(险)(,所)(以)(大)(家)(身)(上)(一)(般)(不)(会)(没)(事)(放)(好)(几)(千)(块)(现)(金)(,一)(般)(也)(就)(几)(百)(块)(,所)(以)(现)(金)(支)(付)(大)(多)(只)(用)(来)(应)(对)(现)(场)(小)(额)(支)(付)(。
著)(名)(的)(NFC标)(准)(的)(移)(动)(支)(付)(,原)(理)(就)(是)(存)(储)(于)(IC卡)(里)(的)(电)(子)(现)(金)(。而)(这)(IC卡)(又)(是)(嵌)(入)(在)(手)(机)(里)(。手)(机)(成)(了)(电)(子)(钱)(包)(。
三)(、适)(用)(于)(远)(程)(支)(付)(的)(存)(款)(货)(币)(
本)(章)(要)(点)(
存)(款)(划)(转)(的)(支)(付)(方)(式)(,通)(过)(支)(付)(指)(令)(实)(现)(存)(款)(划)(转)((如)(果)(是)(跨)(行)(还)(涉)(及)(清)(算)(),主)(要)(适)(用)(于)(远)(程)(支)(付)(场)(景)(。
近)(现)(代)(银)(行)(业)(的)(普)(及)(,使)(银)(行)(存)(款)(货)(币)(取)(代)(了)(纸)(币)(,成)(为)(了)(主)(要)(的)(货)(币)(形)(式)(。
存)(款)(货)(币)(的)(支)(付)(,本)(质)(上)(是)(存)(款)(的)(转)(移)(。更)(具)(体)(地)(讲)(,就)(是)(付)(款)(人)(向)(自)(己)(的)(存)(款)(账)(户)(发)(送)(一)(个)(指)(令)(,把)(资)(金)(划)(到)(对)(方)(的)(存)(款)(账)(户)(上)(。
划)(款)(指)(令)(包)(含)(很)(多)(信)(息)(,但)(至)(少)(包)(括)(:(1)账)(户)(号)(:说)(明)(从)(我)(的)(哪)(个)(账)(户)(划)(钱)(;(2)身)(份)(验)(证)(:密)(码)(或)(身)(份)(证)(等)(,用)(以)(证)(明)(这)(户)(是)(我)(的)(;(3)对)(方)(收)(款)(账)(户)(信)(息)(等)(。
由)(于)(存)(款)(不)(是)(随)(时)(手)(持)(的)(,所)(以)(需)(要)(通)(过)(银)(行)(网)(点)(、ATM、网)(上)(银)(行)(、POS等)(方)(式)(,向)(银)(行)(发)(送)(这)(个)(划)(款)(指)(令)(。银)(行)(收)(到)(指)(令)(,通)(过)(身)(份)(验)(证)(,就)(把)(款)(项)(划)(至)(对)(方)(户)(,支)(付)(就)(完)(成)(了)(。
以)(在)(POS上)(刷)(卡)(消)(费)(为)(例)(。刷)(卡)(的)(动)(作)(,就)(是)(输)(入)(账)(户)(。然)(后)(再)(输)(入)(密)(码)(,完)(成)(了)(验)(证)(。这)(样)(,我)(银)(行)(卡)(的)(资)(金)(就)(划)(转)(至)(商)(户)(账)(上)(,完)(成)(存)(款)(货)(币)(的)(支)(付)(。如)(果)(是)(收)(付)(双)(方)(开)(户)(在)(同)(一)(银)(行)(,就)(非)(常)(简)(单)(,不)(涉)(及)(清)(算)(。
如)(果)(开)(始)(在)(不)(同)(银)(行)(,那)(还)(多)(一)(个)(跨)(行)(清)(算)(的)(过)(程)(。清)(算)(,是)(结)(清)(银)(行)(之)(间)(的)(债)(务)(债)(权)(。比)(如)(,我)(拿)(着)(建)(行)(卡)(在)(工)(行)(的)(POS(这)(意)(味)(着)(商)(户)(开)(户)(在)(工)(行)()上)(消)(费)(100元)(。建)(行)(从)(我)(的)(卡)(上)(划)(走)(100元)(,此)(时)(它)(欠)(工)(行)(100元)(。日)(终)(,银)(联)(清)(算)(系)(统)(完)(成)(每)(日)(清)(算)(,建)(行)(向)(工)(行)(偿)(付)(了)(100元)(。次)(日)(,工)(行)(将)(这)(100元)(打)(到)(商)(户)(账)(上)(。
银)(联)(是)(国)(内)(银)(行)(卡)(清)(算)(组)(织)(。此)(外)(还)(有)(其)(他)(清)(算)(机)(构)(,全)(是)(负)(责)(银)(行)(间)(债)(务)(债)(权)(关)(系)(的)(。
存)(款)(划)(转)(适)(用)(于)(远)(程)(支)(付)(,不)(太)(适)(用)(于)(现)(场)(支)(付)((有)(时)(用)(票)(据)(作)(现)(场)(支)(付)(,可)(以)(视)(为)(存)(款)(货)(币)(的)(现)(场)(支)(付)()。因)(此)(,存)(款)(和)(现)(金)(有)(分)(工)(,存)(款)(用)(于)(远)(程)(支)(付)((几)(乎)(无)(法)(现)(场)(支)(付)(),现)(金)(用)(于)(现)(场)(支)(付)(为)(主)(。四)(、支)(付)(公)(司)(:从)(协)(助)(者)(到)(搅)(局)(者)(本)(章)(要)(点)(
支)(付)(公)(司)(一)(开)(始)(定)(位)(于)(协)(助)(存)(款)(划)(转)(,体)(现)(了)(价)(值)(。但)(虚)(拟)(账)(户)(的)(出)(现)(使)(其)(成)(为)(一)(个)(搅)(局)(者)(,可)(以)(内)(部)(实)(现)(支)(付)(清)(算)(,动)(摇)(了)(现)(有)(的)(“支)(付)(-清)(算)(”体)(系)(。
存)(款)(用)(于)(远)(程)(支)(付)(,现)(金)(用)(于)(现)(场)(支)(付)(,场)(景)(看)(似)(很)(简)(单)(。但)(随)(着)(电)(子)(商)(务)(等)(业)(务)(的)(发)(展)(,支)(付)(场)(景)(日)(趋)(复)(杂)(。
比)(如)(,一)(家)(电)(商)(网)(站)(,为)(方)(便)(客)(户)(支)(付)(,需)(要)(和)(银)(行)(开)(通)(支)(付)(网)(关)(。这)(样)(,客)(户)(下)(单)(后)(,选)(择)(该)(银)(行)(,就)(会)(跳)(转)(到)(该)(银)(行)(网)(银)(支)(付)(的)(界)(面)(,完)(成)(支)(付)(。这)(里)(所)(谓)(的)(支)(付)(,仍)(然)(是)(存)(款)(划)(转)(,即)(从)(买)(家)(卡)(上)(,划)(转)(至)(商)(家)(户)(上)(。
此)(时)(,网)(站)(得)(和)(一)(家)(一)(家)(银)(行)(谈)(开)(通)(支)(付)(网)(关)(的)(事)(,非)(常)(繁)(琐)(。而)(银)(行)(也)(得)(接)(待)(一)(家)(又)(一)(家)(的)(电)(商)(支)(付)(业)(务)(,也)(很)(崩)(溃)(。
此)(时)(,第)(三)(方)(支)(付)(中)(介)(问)(世)(。它)(其)(实)(就)(是)(个)(大)(网)(关)(,对)(接)(了)(所)(有)(银)(行)(,电)(商)(网)(站)(与)(之)(连)(接)(。网)(购)(客)(户)(选)(择)(该)(支)(付)(方)(式)((下)(图)(③),就)(会)(进)(入)(支)(付)(中)(介)(的)(页)(面)(,在)(该)(页)(面)(上)(再)(选)(择)(自)(己)(的)(开)(户)(银)(行)(,就)(会)(跳)(转)(至)(该)(银)(行)(的)(网)(银)(支)(付)(界)(面)((下)(图)(④),然)(后)(完)(成)(支)(付)((下)(图)(⑤)。支)(付)(公)(司)(缩)(减)(了)(银)(行)(和)(商)(户)(的)(谈)(判)(成)(本)(,协)(助)(了)(资)(金)(划)(转)(,便)(利)(了)(银)(行)(和)(用)(户)(,是)(一)(记)(大)(功)(。
以)(下)(是)(快)(钱)(为)(商)(户)(提)(供)(的)(银)(行)(支)(付)(网)(关)(服)(务)(。
这)(里)(,第)(三)(方)(支)(付)(中)(介)(就)(是)(个)(大)(网)(关)((通)(道)(),支)(付)(的)(实)(质)(,仍)(然)(是)(存)(款)(的)(划)(转)(。支)(付)(宝)(等)(知)(名)(支)(付)(公)(司)(,都)(仍)(保)(留)(了)(网)(关)(功)(能)(,在)(支)(付)(环)(节)(选)(择)(“网)(银)(支)(付)(”,便)(可)(跳)(转)(至)(银)(行)(网)(关)(支)(付)((也)(就)(是)(存)(款)(划)(转)()。
借)(助)(支)(付)(公)(司)(通)(道)(进)(行)(的)(网)(关)(支)(付)(,以)(及)(后)(来)(的)(快)(捷)(支)(付)(,其)(本)(质)(仍)(然)(是)(银)(行)(存)(款)(划)(转)(,交)(易)(信)(息)(仍)(由)(银)(行)(掌)(握)(,因)(此)(称)(不)(上)(是)(什)(么)(大)(革)(命)(,并)(因)(为)(带)(来)(便)(利)(性)(,获)(客)(户)(认)(可)(。
但)(是)(,后)(来)(情)(况)(有)(了)(微)(妙)(的)(变)(化)(。
2003年)(淘)(宝)(C2C的)(电)(商)(模)(式)(推)(出)(后)(,面)(临)(一)(个)(新)(任)(务)(,就)(是)(要)(解)(决)(买)(卖)(双)(方)(的)(不)(信)(任)(问)(题)((B2C是)(大)(企)(业)(开)(办)(购)(物)(网)(站)(,消)(费)(者)(能)(够)(信)(任)(它)()。为)(此)(,马)(云)(2004年)(专)(程)(找)(银)(联)(寻)(求)(帮)(助)((因)(为)(海)(外)(PAYPAL就)(是)(和)(卡)(组)(织)(合)(作)(解)(决)(支)(付)(问)(题)(的)(,不)(用)(一)(家)(一)(家)(找)(银)(行)(签)(约)(),但)(可)(惜)(刚)(成)(立)(一)(年)(多)(的)(银)(联)(表)(示)(并)(无)(能)(力)(做)(这)(个)(事)(情)(。
为)(此)(,淘)(宝)(自)(行)(推)(出)(了)(支)(付)(宝)(,它)(包)(括)(一)(个)(虚)(拟)(账)(户)((称)(之)(为)(虚)(拟)(,是)(因)(为)(与)(银)(行)(账)(户)(相)(对)(而)(言)()。买)(家)(支)(付)(的)(货)(款)(先)(支)(付)(到)(卖)(家)(的)(虚)(拟)(账)(户)(,但)(余)(额)(先)(冻)(结)(,待)(收)(到)(货)(后)(,再)(由)(买)(家)(通)(知)(淘)(宝)(将)(货)(款)(解)(冻)(,余)(额)(就)(存)(于)(卖)(家)(的)(虚)(拟)(账)(户)(中)(。同)(样)(,买)(家)(也)(拥)(有)(了)(虚)(拟)(账)(户)(,可)(以)(往)(里)(面)(充)(值)(,用)(来)(购)(物)(。如)(果)(你)(既)(是)(买)(家)(又)(是)(卖)(家)(,那)(么)(这)(虚)(拟)(账)(户)(是)(同)(一)(个)(。
因)(此)(,支)(付)(宝)(为)(解)(决)(C2C信)(任)(问)(题)(,引)(进)(了)(虚)(拟)(账)(户)(,从)(此)(打)(开)(了)(潘)(多)(拉)(魔)(盒)(。从)(此)(,支)(付)(公)(司)(变)(成)(了)(一)(个)(搅)(局)(者)(。
有)(了)(账)(户)(,客)(户)(就)(能)(把)(部)(分)(资)(金)(存)(放)(其)(中)(。根)(据)(规)(定)(,支)(付)(宝)(收)(到)(的)(客)(户)(资)(金)(,托)(管)(在)(银)(行)((叫)(备)(付)(金)(账)(户)(),以)(保)(障)(其)(安)(全)(。根)(据)(行)(业)(惯)(例)(,资)(金)(利)(息)(可)(由)(支)(付)(宝)(公)(司)(享)(有)(。换)(言)(之)(,支)(付)(公)(司)(的)(商)(业)(模)(式)(,就)(是)(为)(客)(户)(提)(供)(免)(费)(的)(支)(付)(服)(务)(,并)(从)(存)(款)(利)(息)(中)(获)(得)(回)(报)(。
这)(相)(当)(于)(,支)(付)(宝)(在)(银)(行)(开)(设)(有)(账)(户)(,然)(后)(再)(把)(这)(账)(户)(“分)(仓)(”为)(N个)(虚)(拟)(子)(账)(户)(,给)(其)(电)(商)(客)(户)(使)(用)(。
是)(不)(是)(似)(曾)(相)(识)(?没)(错)(,前)(几)(天)(热)(闹)(非)(凡)(的)(股)(市)(配)(资)(公)(司)(,原)(理)(也)(是)(如)(此)(。如)(果)(买)(卖)(双)(方)(都)(在)(支)(付)(公)(司)(开)(有)(子)(账)(户)(,那)(么)(他)(们)(之)(间)(的)(支)(付)(只)(需)(通)(过)(支)(付)(公)(司)(内)(部)(完)(成)(。
支)(付)(方)(式)(和)(存)(款)(划)(转)(非)(常)(类)(似)(,也)(是)(三)(个)(信)(息)(:(1)付)(款)(账)(户)(号)(:可)(以)(手)(工)(输)(入)(,也)(可)(以)(用)(扫)(描)(二)(维)(码)(等)(方)(式)(输)(入)(,也)(可)(以)(用)(生)(理)(特)(征)((用)(自)(己)(的)(指)(纹)(、虹)(膜)(、脉)(搏)(、声)(带)(等)(绑)(定)(账)(户)();(2)身)(份)(验)(证)(:动)(态)(或)(静)(态)(密)(码)(、生)(理)(特)(征)((指)(纹)(、虹)(膜)(、脉)(搏)(、声)(带)(等)()等)(方)(式)(验)(证)(;(3)对)(方)(的)(账)(户)(,输)(入)(方)(式)(同)(上)(。
因)(此)(,这)(和)(存)(款)(划)(转)(极)(其)(类)(似)(,只)(不)(过)(这)(里)(的)(“存)(款)(”,指)(的)(是)(虚)(拟)(账)(户)(里)(的)(余)(额)(。
更)(要)(命)(的)(是)(,以)(前)(银)(行)(的)(存)(款)(划)(转)(一)(般)(只)(能)(用)(于)(远)(程)(支)(付)(。而)(现)(在)(,手)(机)(端)(支)(付)(APP的)(普)(及)(,使)(上)(述)(“存)(款)(”划)(转)(的)(支)(付)(能)(够)(运)(用)(于)(现)(场)(支)(付)((这)(原)(本)(是)(纸)(钞)(现)(金)(、电)(子)(现)(金)(的)(地)(盘)(),带)(来)(了)(极)(大)(便)(利)(,也)(沉)(重)(打)(击)(了)(电)(子)(现)(金)((如)(NFC)的)(应)(用)(。
小)(样)(儿)(,你)(动)(到)(我)(的)(奶)(酪)(了)(。
五)(、央)(妈)(的)(意)(见)(
本)(章)(要)(点)(
拥)(有)(虚)(拟)(账)(户)(的)(支)(付)(公)(司)(,可)(以)(内)(部)(自)(我)(实)(现)(支)(付)(-清)(算)(,并)(存)(在)(多)(个)(风)(险)(隐)(患)(,因)(此)(央)(行)(施)(以)(监)(管)(,主)(要)(监)(管)(手)(段)(是)(限)(额)(控)(制)(。
所)(以)(,虚)(拟)(账)(户)(的)(出)(现)(改)(变)(了)(整)(个)(格)(局)(。这)(一)(格)(局)(就)(是)(央)(妈)(长)(期)(坚)(持)(的)(“支)(付)(—清)(算)(”二)(级)(体)(系)(:
银)(行)(负)(责)(管)(理)(客)(户)(账)(户)(用)(于)(支)(付)((支)(付)(公)(司)(可)(提)(供)(协)(助)(服)(务)(),银)(行)(之)(间)(因)(支)(付)(而)(形)(成)(的)(债)(务)(债)(权)(,则)(通)(过)(央)(妈)(控)(制)(的)(清)(算)(系)(统)((比)(如)(银)(联)(等)()来)(轧)(清)(。
如)(今)(,虚)(拟)(账)(户)(问)(世)(。银)(行)(只)(提)(供)(了)(一)(个)(大)(的)(账)(户)(,给)(支)(付)(公)(司)(。支)(付)(公)(司)(开)(设)(了)(N个)(虚)(拟)(子)(账)(户)(,由)(客)(户)(使)(用)(。如)(果)(买)(卖)(双)(方)(都)(在)(支)(付)(公)(司)(开)(有)(子)(账)(户)(,那)(么)(他)(们)(之)(间)(的)(结)(算)(只)(需)(要)(通)(过)(支)(付)(公)(司)(即)(可)(,绕)(开)(了)(银)(行)(。
而)(如)(果)(支)(付)(公)(司)(在)(N个)(银)(行)(开)(立)(有)(备)(付)(金)(账)(户)(,那)(么)(如)(果)(我)(需)(要)(从)(A银)(行)(卡)(向)(小)(张)(的)(B银)(行)(卡)(付)(钱)(100元)(,那)(么)(我)(A银)(行)(的)(100元)(资)(金)(划)(至)(支)(付)(公)(司)(的)(A银)(行)(账)(户)(,然)(后)(支)(付)(公)(司)(的)(B银)(行)(账)(户)(上)(100块)(钱)(划)(至)(小)(张)(B银)(行)(卡)(上)(,就)(完)(成)(了)(一)(次)(跨)(行)(汇)(款)(。这)(不)(但)(绕)(开)(了)(银)(行)(汇)(款)(,还)(绕)(开)(了)(清)(算)(组)(织)((比)(如)(银)(联)()。
这)(样)(就)(出)(现)(了)(几)(个)(风)(险)(隐)(患)(:(1)虚)(拟)(子)(账)(户)(的)(匿)(名)(性)(问)(题)(。支)(付)(公)(司)(若)(不)(严)(格)(执)(行)(反)(洗)(钱)(、实)(名)(制)(等)(规)(定)(,虚)(拟)(子)(账)(户)(可)(能)(隐)(藏)(违)(法)(行)(为)(,可)(以)(干)(洗)(钱)(等)(勾)(当)(。(2)资)(金)(安)(全)(性)(问)(题)(。客)(户)(把)(钱)(交)(给)(支)(付)(公)(司)((存)(入)(虚)(拟)(子)(账)(户)(。法)(律)(意)(义)(上)(这)(是)(用)(户)(对)(企)(业)(的)(预)(付)(金)(),支)(付)(公)(司)(以)(自)(己)(名)(义)(存)(在)(银)(行)(,安)(全)(性)(存)(疑)(。(3)资)(金)(在)(支)(付)(公)(司)(体)(内)(完)(成)(所)(有)(循)(环)(。包)(括)(跨)(行)(汇)(款)(,也)(绕)(开)(了)(清)(算)(,银)(行)(和)(监)(管)(当)(局)(不)(掌)(握)(这)(些)(活)(动)(的)(信)(息)(。(4)支)(付)(公)(司)(体)(系)(内)(完)(成)(了)(支)(付)(,履)(行)(了)(货)(币)(功)(能)(,而)(央)(行)(无)(法)(统)(计)(这)(部)(分)(货)(币)(流)(通)(,会)(对)(产)(生)(全)(国)(货)(币)(流)(通)(速)(度)(产)(生)(误)(判)(。
我)(们)(相)(信)(,支)(付)(宝)(等)(龙)(头)(企)(业)(肯)(定)(是)(遵)(纪)(守)(法)(的)(,但)(毕)(竟)(全)(国)(有)(270家)(支)(付)(公)(司)(,央)(行)(很)(难)(保)(证)(这)(全)(部)(参)(与)(者)(均)(是)(老)(老)(实)(实)(的)(。所)(以)(,央)(妈)(此)(次)(重)(点)(整)(顿)(了)(支)(付)(公)(司)(虚)(拟)(账)(户)(的)(余)(额)(支)(付)(行)(为)(,主)(要)(整)(顿)(方)(式)(就)(是)(实)(施)(限)(额)(管)(理)(。
而)(网)(关)(支)(付)(、快)(捷)(支)(付)(,由)(于)(本)(质)(上)(仍)(然)(是)(银)(行)(存)(款)(划)(转)(,因)(此)(不)(受)(影)(响)(。六)(、支)(付)(公)(司)(的)(未)(来)(
本)(章)(要)(点)(
支)(付)(公)(司)(的)(商)(业)(模)(式)(生)(变)(,很)(难)(借)(助)(余)(额)(谋)(利)(,也)(很)(难)(通)(过)(收)(支)(付)(服)(务)(费)(的)(方)(式)(,因)(此)(可)(行)(的)(方)(式)(是)(做)(行)(业)(整)(合)(者)(。
在)(央)(行)(的)(监)(管)(新)(规)(下)(,我)(们)(有)(必)(要)(重)(新)(审)(视)(支)(付)(公)(司)(未)(来)(的)(商)(业)(模)(式)(。那)(些)(宣)(布)(进)(军)(支)(付)(行)(业)(的)(企)(业)(,以)(及)(还)(在)(行)(内)(耕)(耘)(的)(企)(业)(,都)(要)(找)(对)(方)(向)(。
首)(先)(,监)(管)(意)(图)(是)(控)(制)(虚)(拟)(账)(户)(余)(额)(,严)(格)(资)(金)(总)(量)(管)(理)(。因)(此)(,这)(块)(资)(金)(的)(主)(意)(是)(别)(打)(了)(。
其)(次)(,支)(付)(公)(司)(回)(归)(通)(道)(角)(色)(,却)(也)(不)(宜)(收)(取)(过)(高)(通)(道)(费)(。一)(方)(面)(,支)(付)(行)(业)(竞)(争)(激)(烈)(,通)(道)(费)(未)(必)(收)(得)(高)(。另)(一)(方)(面)(,支)(付)(、清)(算)(都)(是)(一)(个)(经)(济)(体)(的)(基)(础)(设)(施)(,就)(像)(水)(电)(煤)(一)(样)(,基)(础)(设)(施)(当)(然)(是)(越)(便)(宜)(越)(好)(,行)(业)(本)(身)(属)(性)(不)(支)(持)(它)(高)(收)(费)(。
而)(一)(种)(互)(联)(网)(思)(维)(的)(方)(案)(是)(:积)(累)(交)(易)(场)(景)(,挖)(掘)(大)(数)(据)(金)(矿)(。而)(积)(累)(交)(易)(场)(景)(的)(常)(见)(做)(法)(又)(是)(整)(合)(行)(业)(资)(源)(。
从)(行)(业)(中)(要)(数)(据)(,数)(据)(反)(哺)(行)(业)(,良)(性)(互)(动)(。
这)(其)(实)(就)(是)(支)(付)(宝)(的)(做)(法)(。
首)(先)(,通)(过)(扩)(大)(交)(易)(场)(景)(的)(方)(式)(,导)(入)(流)(量)(。如)(何)(扩)(大)(场)(景)(,也)(是)(有)(讲)(究)(的)(。要)(么)(就)(是)(烧)(钱)(“买)(”流)(量)(,比)(如)(打)(车)(软)(件)(,但)(事)(实)(证)(明)(,这)(效)(果)(并)(不)(好)(。所)(以)(,扩)(大)(场)(景)(的)(最)(佳)(方)(式)(其)(实)(是)(“解)(决)(客)(户)(的)(某)(个)(实)(际)(需)(求)(”。比)(如)(支)(付)(宝)(,早)(年)(就)(是)(解)(决)(了)(C2C交)(易)(中)(的)(双)(方)(信)(任)(问)(题)(,受)(到)(了)(客)(户)(欢)(迎)(。所)(以)(,从)(身)(边)(小)(细)(节)(做)(起)(,找)(找)(客)(户)(们)(目)(前)(面)(临)(哪)(些)(问)(题)(,问)(题)(就)(是)(商)(机)(。客)(户)(通)(过)(支)(付)(公)(司)(完)(成)(支)(付)(,不)(管)(是)(网)(关)(支)(付)(、快)(捷)(支)(付)(还)(是)(余)(额)(支)(付)(,支)(付)(公)(司)(均)(掌)(握)(交)(易)(信)(息)(。
围)(绕)(支)(付)(,扩)(大)(服)(务)(类)(型)(,将)(自)(己)(行)(业)(上)(下)(游)(的)(资)(源)(整)(合)(进)(来)(,为)(客)(户)(提)(供)(包)(括)(支)(付)(、行)(业)(服)(务)(在)(内)(的)(一)(揽)(子)(服)(务)(。
然)(后)(,对)(所)(掌)(握)(的)(数)(据)(进)(行)(深)(度)(挖)(掘)(,开)(发)(其)(商)(业)(价)(值)(。比)(如)(,用)(于)(征)(信)(便)(是)(一)(种)(商)(业)(价)(值)(。当)(然)(,别)(碰)(到)(“保)(障)(客)(户)(信)(息)(安)(全)(”的)(红)(线)(,别)(泄)(露)(客)(户)(信)(息)(。最)(后)(,如)(果)(旗)(下)(还)(有)(其)(他)(金)(融)(服)(务)(牌)(照)(,也)(可)(逐)(渐)(将)(服)(务)(纳)(入)(。
因)(此)(,支)(付)(机)(构)(的)(未)(来)(,就)(是)(行)(业)(资)(源)(整)(合)(者)(,前)(景)(仍)(然)(广)(阔)(,我)(们)(在)(未)(来)(等)(你)(。
(本)(文)(由)(作)(者)(王)(剑)(授)(权)(发)(布)(,如)(需)(转)(载)(请)(和)(作)(者)(微)(信)(公)(号)(联)(系)(,本)(文)(原)(标)(题)(:我)(在)(未)(来)(等)(你)(:支)(付)(简)(史)((随)(笔)(2015-8-2))
作)(者)(:王)(剑)(,国)(泰)(君)(安)(证)(券)(股)(份)(有)(限)(公)(司)(银)(行)(业)(分)(析)(师)(,2016年)(新)(财)(富)(银)(行)(业)(最)(佳)(分)(析)(师)(。作)(者)(微)(信)(公)(众)(号)(:王)(剑)(的)(角)(度)((wangjianzj0579)返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
)


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