Why does Alipay prohibit trading virtual currency?
virtual currency is a kind of technical means, there is no such thing as whether to cheat or not in recent years, mobile phone development has been developing faster and faster, and there are also changes in the way of payment. In the life, a small number of people have paid for paper money. Most of them have started using Alipay, WeChat and so on, because they are popular with the public because of their convenience and speed, especially Alipay is the way that many people will pay when they pay. Many other procts have been used to facilitate many people, but Alipay has recently banned the trading of virtual currencies. P> Alipay is also making this decision in order to safeguard the interests of everyone. We should also pay attention to investing when we invest normally, so we can only buy it after thorough understanding. can not blindly listen to other people's views and invest carefully. strong>
since then, the network and shell electronics have announced the stop of bitcoin payment. Recently, the central bank interviewed the third party payment agencies. Alipay and Fu Tong pass closed the virtual currency trading window such as bitcoin, resulting in a further fall in bitcoin prices.
it is also reported that the cooperation between banks and bitcoin trading platform is not supported by the regulatory authorities, which basically turns off the possibility of recharge and withdrawal on bitcoin platform, that is, blocking the mutual exchange between domestic bitcoin and RMB
bitcoin trading platforms such as "bitcoin China" and okcoin also resumed to charge 0.3% transaction fees, and increased the withdrawal fees to 1%. Some analysts believe that this is to prevent a large number of investors from cashing out
all kinds of signs show that bitcoin is getting worse and worse in China. However, the conclusion of bitcoin's exit from China may be overstated
first, bitcoin can be freely traded as a commodity
although the central bank does not recognize the legal tender status of bitcoin, it does not deny the legitimacy of bitcoin as a commodity and does not prohibit investment, trading and purchase of bitcoin. Ordinary people have the freedom to participate at their own risk
Second, the bitcoin trade has not collapsed yet
a bitcoin player said that the current transaction price of bitcoin is not low enough to lead to the collapse of the trade. The price of bitcoin is still higher than the cost price of bitcoin, that is, the price of mining< Third, the transaction channel is not blocked
although some third-party payments have stopped supporting bitcoin transactions, and banks are not optimistic, bitcoin trading platform can also use other third-party payment interfaces, or use foreign payment interfaces to pay. Some bitcoin trading platforms are considering transferring their servers abroad
the above-mentioned bitcoin player said that he once withdrew cash from his personal account to remit money to him. In other words, bitcoin transaction may bypass the third-party payment
at the same time, cash transaction is also a possible way of transaction< Four, the biggest risk of bitcoin trading is not regulation
the biggest risk of bitcoin trading is not government regulation, but security risks
bitcoin is at risk of being stolen by hackers. If there is a large-scale loss of bitcoin, it will directly affect the fairness of market transactions, which is a real "bottom-up"
however, at present, the security risks of bitcoin have not been fully exposed
the overall risk has increased
it must be admitted that the government's increased supervision has further increased the risk of bitcoin trading
moreover, the transaction threshold is obviously higher than before
in essence, as a means of investment, the risk of bitcoin is self-evident. If there is no final person to take over the offer, even if bitcoin is in short supply, it lacks real value and only has limited online use value. If you can't find the last recipient, bitcoin will probably disappear like a bubble.
10 10, two major domestic payment giants Alipay and WeChat simultaneously voicing, prohibiting the use of platforms in virtual currency transactions. Why did Alipay and WeChat voice at the same time? The reporter understands that this may be related to a dynamic trend of a virtual trading platform in the near future. P>
Alipay and WeChat: once found and resolutely retreated,
has repeatedly banned payment agencies to provide virtual
services. In fact, the central bank and its branches have repeatedly requested payment agencies not to provide services for virtual currency transactions.
as early as the end of 2013, the central bank and other ministries and commissions issued the notice on preventing bitcoin risks, which made it clear that all financial institutions and Payment institutions should not price procts or services with bitcoin, buy or sell bitcoin or act as central counterparties, underwrite insurance business related to bitcoin or include bitcoin in the scope of insurance liability, Shall not directly or indirectly provide customers with other services related to bitcoin, including: providing customers with bitcoin registration, trading, clearing, settlement and other services; Accept bitcoin or use bitcoin as a payment and settlement tool; Carry out bitcoin and RMB and foreign currency exchange services; Carry out bitcoin storage, custody, mortgage and other services; Issuing financial procts related to bitcoin; Take bitcoin as the investment target of trust, fund, etc
in September 2017, the central bank and other seven departments jointly issued the announcement on preventing the financing risk of token issuance, which stipulates that financial institutions and non bank payment institutions shall not directly or indirectly provide procts or services such as account opening, registration, trading, clearing and settlement for token issuance financing and "virtual currency"
similarly, the business management department of the central bank issued a notice in January 2018, requiring all legal person Payment institutions under its jurisdiction to carry out self inspection and rectification work in their own units and branches, forbidding to provide services for virtual currency transactions, and taking effective measures to prevent payment channels from being used for virtual currency transactions
virtual currency is still very deep for us issued a statement about the virtual currency directly on the hot search of Alipay. But for this virtual currency, everyone has different views. However, it is more appropriate to ban virtual transactions from the public's point of view, because most people rarely touch virtual currency
in a word, for people who don't know much about virtual currency, the water is very deep. We must be more cautious when we invest. However, in view of Alipay's prohibition of virtual transactions, may also show its superiors' attitude towards virtual currencies. strong>
when you encounter such problems, don't panic and come to the Internet to find solutions. The best solution is to call 95188 first to find out the situation, if 95188 can't solve it for you. And find solutions online
there are only two online solutions.
first, if you can solve it, you have to charge first (this kind of 100% swindler, be careful)
Second, if you can force it, the result is that all the funds not available in your account will be transferred to the other account When you get to his account, the cost of hacking you is zero) be careful and prudent
if you have any problems in this respect, please consult me and I will give you a perfect solution Overview of payment instry, But directly to the stage of modern financial and banking system, and the modern payment instry is developed on the basis of modern financial and banking system. Both at home and abroad, banks play a core and basic role in the payment instry, and then the so-called non-financial third-party payment and aggregate payment and other participants are derived Third party payment and aggregate payment as the core, the framework of the introction of modern payment instry
people may often hear the "Quartet mode" in their daily work and life, that is, the core framework and mode of the modern payment instry. Then, because of the admission of the three party payment institutions such as Alipay, the above mode is challenged. After that, the central bank has forced the payment instry to return to the "Four Party Mode" through the "Three Party Mode". What is the "Four Party model"
the author will start with this concept first, because having made clear the origin and development of the "Four Party model", in fact, it has also made clear the development and changes of the payment instry in recent decades in a framework, which is also convenient for us to have a framework, which can fundamentally grasp the core of the development and subsequent evolution of the payment instry<
1.2 four party model
the so-called "Four Party model" refers to a payment and settlement framework based on bank cards for payment banks. Four party refers to card organizations, card issuers, acquiring banks and merchants. In order to facilitate readers to understand the four party model, let's start from the "two party model". In the real world, a transaction process involves logistics, payment information flow, payment information flow, payment information flow, payment information flow and payment information flow Capital flow, the change of payment market mode will also focus on the "three flows"<
two party mode:
in the two party mode, the participants in the trading market are only consumers and businesses, and businesses issue their own cards and provide them to consumers. At this time, businesses concentrate the two responsibilities of payment and transaction, that is, logistics, payment information flow and capital flow are completely integrated in the market division of labor, The payment and settlement process of prepaid cards issued by businesses is a typical two-party mode, but at this time, because the information flow and capital flow are relatively simple, there is no need to set up an independent market entity to undertake the function of capital settlement
in fact, the instry has never formally put forward the so-called "two-party model", just because this paper is convenient, so it is put forward here, and the two-party model does not involve banks, so it is not a typical payment instry market structure model<
tripartite model:
tripartite model is a further extension of the two-party model, that is, in the two-party model, because each business independently issues cards, the scope of application of single card is directly limited, so the market has spawned a special card issuing organization or organization, which is most likely jointly initiated and established by several influential businesses, Each participating merchant accepts the card issued by the organization or institution, and agrees on the specific clearing cycle and rules. At this time, the merchant only needs to be responsible for the transaction, and the payment and fund clearing are in the charge of the organization or institution. The market division is further refined, and the efficiency is further improved. At this time, the logistics, information flow and fund flow are separated simultaneously, At this time, the market participants become consumers, businesses and card organizations. Under the three party mode, Alipay and other three party payment agencies assume the role of similar card organizations.
Sifang mode:
with the increase of card issuing organizations or institutions in the market, the closeness of this mode hinders the further improvement of market scale and integration. At this time, Sifang mode has graally become the main mode of payment market. Compared with the tripartite mode, Sifang mode is more open, which can accommodate more market participants and further improve market efficiency. The so-called Sifang refers to card organizations, card issuers, acquiring parties and merchants. The card organization is no longer responsible for both the payment information flow and the fund flow as in the three-party mode, but the issuer and the acquiring party are responsible for the payment information flow. The card organization undertakes the function of clearing and settling the funds of the merchant, the issuer and the acquiring party. At this time, the logistics, information flow and fund flow are further separated, the market division of labor is further clarified, and the efficiency is improved, The payment market has developed rapidly
in the modern financial system, the bank is the final outflow and collection Party of funds in the market activities, that is, the participants in the market economy, whether consumers or merchants or enterprises, their capital accounts must be opened in the bank. Therefore, in the above four party model, the issuers are generally undertaken by the bank, which is often called the issuers, They issue their own cards to customers according to the relevant standards of card organizations; Generally speaking, the acquiring party refers to the acquiring institution or acquiring bank, which provides acquiring service for the merchant by expanding the merchant and accepting the card issued by the hairdressing card bank; And there will be a situation that the bank is both the issuing bank and the acquiring bank in the market, such as the POS machine deployed by the bank in the merchant; Finally, in the distribution of market profits, the distribution mechanism of issuing bank: acquiring bank: card organization = 7:2:1 is formed< The br />
1.3 introction to card organizations
as mentioned above, card organizations undertake the core clearing and settlement functions, regardless of the "Three Party Mode" or "Four Party Mode". This part will give a brief introction to card organizations, so that readers can have a more comprehensive understanding of the payment market
the full name of card organization is bank card transfer clearing organization. It is an international or regional payment card organization composed of members, which authorizes members to issue cards, accepts card transactions of merchants, and owns and operates its own international and regional processing network. Card organizations are responsible for the construction and operation of a global or regional unified payment card information exchange network, the information conversion and capital clearing of payment card transactions, and the formulation and implementation of business norms and technical standards for inter-bank transactions of payment cards
after the establishment of the card organization, the first thing to do is to absorb members or members and build and operate a huge network (such as UnionPay cups system introced in this column), which mainly provides functions and services such as bank card transaction information transfer, member capital clearing and settlement.