The minimum daily limit of 500 yuan for scanning the code to pay next year is to protect the declini

It is one thing to protect the declining banks, and it is the other to promote "connected" payments.

In recent years, the traditional financial industry in China has undergone earth-shaking changes, first the rise of the online shopping industry has been reborn, followed by the vigorous development of the logistics industry. The emergence of online consumption has fundamentally changed the entire consumption model, and with the birth of this consumption model - third-party payment, it has set off a payment revolution for financial payment. <>

The speed of development of technology-based finance is astonishing, and the state control of such a lucrative industry has not penetrated into it, but Alipay and WeChat monopolize nearly 97% of the third-party payment share of the market. In this situation, if the state does not make some kind of control restrictions, the payment function of banks will be greatly weakened, and for the time being, the era of banks lying on the mountain of gold to make money has passed; Alipay and other financial platforms have gathered most of the private assets with higher interest rates than banks, resulting in serious impact on the bank's funds, so the state must take certain measures to restrain third-party payments, and this time the limit is one of the means. <>

This war is not difficult to fight, but in fact it is difficult to fight, and for this policy introduced by the state, Ma Yun actually expected that "it is very simple to defeat me, a piece of A4 paper is enough". The development of private third-party payment has always been a loose stocking policy, you have the ability to make you bigger, the bigger you do, the better, the better you do, the faster the country's economic development, but once your growth scale threatens the country's control power, the state will come forward to regulate, and the limit is just a basic means. <>

On the other hand, judging from the market share of Alipay and WeChat Pay, people prefer this kind of inclusive finance, and all people can coexist in this financial system regardless of social level and all enterprises regardless of size, each with its own needs and needs. And the way banks deposit and withdraw payments is something we resist. Therefore, while the state limits the private third party, it is necessary to reform the financial structure and find space for the development of science and technology finance or Internet finance.

The full name of "network" is "network payment and clearing platform for non-bank payment institutions", and the ultimate purpose of the bank is to hold the economic clearing system in its own hands, and use the network to obtain all kinds of transaction information at any time, so that the payment institution can finally return to its origin. The biggest beneficiary of the private QR code payment limit will be the bank, and the beneficiaries of a series of national policies in recent years are also banks, the lifeblood of the economy, and the country's important weapon. <>

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First, banks don't need to be "protected".

The banking industry has evolved over the centuries since the first real bank was founded hundreds of years ago. As such a "long-standing" antique, the banking industry itself has very complete and mature regulations, systems, processes, operations, human resource management, technology updates, risk control and response measures.

Therefore, Alipay as an emerging product has just been produced for less than 20 years, although it may have an impact and impact on the existing banking system, but it is not enough to collapse such an "antique" all of a sudden, and even get decadent.

Moreover, no matter from which point of view, the banking and financial industries are now developing at the right time, and there are no signs of "decadence", and the development of any industry has peaks and troughs, and it may be normal for the banking industry to be in a trough period now.

Therefore, the current part of the policy can only be said to be a policy competition between the banking industry and Alipay, a new student or an "old antique", and does not involve deliberate "protection" measures. Of course, it is not ruled out that more competitive strategies may be introduced in the future, but even if more are introduced, it can only show that it is a normal way of competition, not a maintenance.

Second, Alipay is not strong enough to topple the banking industry.

You must know that in the financial system, not only the "bank" is a business, but also the financial industry, the first industry, etc., if the banking industry has a decadent trend, other related areas are not much better, which will inevitably lead to a huge economic disaster. Even if Alipay can break the banking industry, it is completely unable to replace the financial industry and the first industry, and Alipay's current conditions do not meet the requirements of completely replacing the financial system.

Therefore, no matter how it is analyzed, the introduction of this policy is a normal, reasonable, and intra-industry regulatory measure. Although it may be interpreted as a safeguard for the banking industry on the surface, it is not special in essence, but as for its policy applicability and public acceptance, it is a different matter.

Alipay and various payment software scan code payment function is becoming more and more popular, and now you can use scan code to pay when you go out to buy breakfast and save a car. Recently, there is news that the minimum daily limit of 500 yuan will be paid by scanning the code next year.

1. The regulatory authorities have the right to supervise and regulate economic development.

As lifestyles change, so do payment methods. After all, the market is the market of everyone, the market economy is also everyone's economy, and the development direction of the bank is also within the regulation and control of the market economy, so if this measure is implemented, it should also conform to the law of economic development, not to mention who is to protect, after all, in the face of the economic law, manpower is sometimes very weak.

2. Will QR code payment affect the use of payment software?

Figuring out this issue will make it possible to know whether this news will have an impact on related products if implemented. Banks are mainly paid by credit cards, and it is unlikely that a rule will be set in order to encourage everyone to use cards, but it should be understood as how the relevant departments hope to follow the trend of economic development.

Third, furthermore, there are many internal purchase products in the scan code payment products, even if the function of scanning code payment is put aside, people use more WeChat payment, Jingdong Baitiao, etc., if it is a 500 limit of competition, it is not necessarily who will be affected, so, it can be seen that the minimum limit of scan code payment is not for whom or who to protect, but the relevant departments want to standardize the scan code payment behavior that has now formed a payment model.

In the end, this news cannot be regarded as the final result, and there will definitely be additions, deletions and changes according to the specific situation in the process of regulation, so you don't need to be nervous, you don't need to guess, just wait and see.

In a way, yes. Next year, the minimum daily limit of scanning code payment is 500 yuan, and bank practitioners must be secretly happy. Because of this, third-party payment methods are restricted, and some business can only be completed through bank card channels.

With the price of goods**, the amount of shopping spending is getting higher and higher. I remember that when I applied for a credit card a few years ago, the limit was 2,000 yuan, and now the limit of any credit card is tens of thousands of yuan. The minimum daily limit of 500 yuan for code payment will bring restrictions to some merchants, and for buyers and sellers, the transaction is not as free as it used to be.

Yesterday evening, the central bank issued the "People's Bank of China Notice on Printing and Distributing the Barcode Payment Business Specification (Trial) >", supporting the issuance of relevant technical specifications, and management from multiple perspectives such as quota and risk prevention. From a security point of view, the new regulations are positive. This can effectively prevent the occurrence of *** scanning payment, if the loss, the maximum is only 500 yuan.

But it's been a long, long time since I've been to a bank. If I hadn't had to go, I wouldn't have gone to the bank. If you don't go to the bank, you can complete the transaction, buy things, pay the bills, and no one will go to the bank.

I'm sure a lot of people think the same way as I do. Every time I go to the bank, in addition to a long wait, it is an arrogant service attitude.

The banking industry has not changed for so many years, even in the face of the pressure of third-party payments. Who makes the house a bank, with a lot of money.

According to the BBC, the British kidnappers have come up with a new trick to ask the family to provide bitcoin as a ransom or else rip the ticket. The diversification of financial currencies has also led to a reduction in the cost of crime, and the introduction of relevant policies can protect the rights and interests of all people to a certain extent.

As a math novice, we can't understand the complexity of finance, but I understand a truth.

how to make money safer in your own pocket;

How to make money and make money is the issue that the people are most concerned about.

It is said that the bank is as safe as an iron bucket, and my friend withdrew money from the postal savings ATM in the Fuxing Gate of the capital, and just walked away for 5 minutes, all the balance in the bank card was stolen. The "bucket" leaked, and the bank shirked that the information was leaked by the customer himself, and he was not responsible.

Now all kinds of treasures are very convenient, the way to make money is easier, put it in the e-wallet, it is much higher than the bank current interest, why go to the bank to queue up, waiting for the number to deposit, buy financial management?

The decline of banks is not because of these convenient means of online payment, but because of the idea of taking advantage of the trend. The general trend,If you don't adapt to the times, then wait to be eliminated by the times.