Probably just a few days ago, you still saw a lot of publicity about the cash-strapped cities of Tencent and Ali. However, in the near future, you may have seldom seen it.
From August onwards, the central bank suddenly sent an internal letter saying that some non-cash promotional activities have disrupted the circulation of the renminbi and caused a heavy social repercussion and required proper guidance and rectification of non-standard practices. As a go-getter, Tencent Ali strove to promote Cashless city activities temporarily return to calm.
But obviously, the goal has been reached, the market has been stable cashless payments.
The truth is understandable, no cash payment once more than a certain amount, will inevitably have an impact on the circulation of the yuan, some businesses even no longer accept cash payments, which the central bank does not allow, therefore, as a wise big company, Tencent and Ali now There is no longer a big fanfare to promote a cashless society.
The focus of work, cashless payment wave may have passed, the market share has reached its limit, the stock market has been very little, and the next focus may be related to each person's deposit.
And this may be Tencent Ali nail in the eyes of the current thorn, and even to the extent that must be eliminated.
November 16, already open Tencent credit cent has finally got a new use, with immediate effect, Tencent credit rating of 630 users in Guangzhou, can enjoy the deposit-free ride, earlier, Ali's sesame credit has been supported Ofo, You worship, Wing On Bank and other shared bike deposit free use, and now Tencent has finally started out this step.
Compared to sesame credit, Tencent this step is obviously taking the more cautious credit, this is not without precedent, as early as April 2017, People's Bank of China, Wan Cochu, Director of Credit Bureau has said: At present eight individuals are conducting personal credit The institutions that prepared for the opening did not meet the regulatory standards, including Tencent Credit and Sesame Credit. The problems are mainly information not comprehensive, independence, misuse of information, therefore, be criticized by the central bank.
According to reports, Tencent credit reporting to Ma Huateng, Ma face of criticism of personal information was abused, coupled with Ma Huateng has always been a low profile, compared with the pace of Tencent credit sesame credit is much slower, of course, go slow does not mean unsuccessful, WeChat payment has never been a pioneer, but it still laughed last.
November 22, followed by Tencent credit free deposit ride, sesame credit Hu Tao, general manager, said sesame credit will be invested in the initial 1 billion in the next year to promote the elimination of the deposit, in order to emphasize the intensity, but also added A ALL IN, as always, Ali is still rushed in the field of credit leading the way, and in advance not to set Jiangduanbujin rhetoric.
Why is the same, Tencent and Ali in the field of personal credit card the first step is to eliminate the deposit (virtual credit card is launched together with the bank, due to policy reasons have been halted.) Because the deposit was really some years, The original meaning of the word 'quality' is the collateralization in the transaction of commodities and even the so-called 'proton diplomacy'. This is an extrajudicial word, and we can say that the deposit itself has to be taken in the absence of information and in an unequal environment , The deposit not only increased the complexity of the matter, but also because of the large number of links that were prone to dispute, had changed from 'promotion' to 'obstructing normal commercial development' and therefore the deposit had always been a laborious thing Technology matures, the deposit should have long been out of the stage of history.
Details We are involved in business activities related to the deposit, sharing bicycles is only a small part of it, rental, car rental, rental equipment, hospitalization, hotels and so on, the deposit in the absence of personal credit information played a great case, but Consumers will not like, businesses are also a headache for this, combined with a series of problems arising in the process of deposit refund, has reached a turning point.
Needless to say, seeing this opportunity, Hao throw 1 billion, sesame credit apparently taking advantage of the situation, take the lead bite under the hard bones, from the network to the network to pay for financial management, willing to Ali, the first to eat crabs, will always have the last laugh. This time, it should be no exception.
No cash society, no deposit society is becoming the next hot, every one should know that if you want to get a personal credit official admission ticket, the elimination of the deposit is the risk in the current policy space is the smallest step, but also tore down more than Luo bone the first card.
Of course, this is not a loss of trading, after the deposit was extinguished, a huge market has been opened up. The credit reporting agencies have become wind control departments independent of businesses. While providing risk management, value-added services such as insurance and loans are introduced Provided to businesses, consumers will be no deposit risk reduction, as a credit agency, which is really a big business.
On the other hand, the deposit has always been in the personal and business, businesses and businesses, between individuals and individuals huge credit demand has always been neglected, and with the help of personal credit information system, individuals and individuals can get through , To solve more problems, apply a broader scene.
Only three hours, 20 merchants forwarding support for sesame credit without deposit plan, for businesses, third-party credit agencies will undoubtedly greatly reduce business costs and reduce business risk, as the industry giants Ali no doubt that these businesses full of confidence, of course Tencent Do not have to worry .In the construction of personal credit information, data is undoubtedly the center of everything, with the largest user data, Tencent can dig out more valuable data, the fastest possible success may be, but obviously Tencent choose to slow down, take every step.
Deposit market, how big, no deposit future must be bigger than the deposit market.
