The rapid development of China's mobile Internet industry, unconsciously has already penetrated into every corner of our lives, travel taxi at home can be about Didi, the quilt can buy what you want on the e-commerce platform, do not want to cook can also order food online. In terms of offline shopping, whether it is shopping malls to buy vegetables or opening to buy houses, it has entered the era of "cashless" transactions, the main reason for which is the full popularity of mobile payment.
As the two major mobile payment giants in China, WeChat has as many as 1.2 billion users in China by virtue of its position as a domestic social giant, and Alipay, which has a background in Taobao and Tmall e-commerce, has more than 1 billion users, occupying about 95% of the domestic payment market share, and is also a contributor to the rapid popularization of domestic mobile payment. It is worth noting that the huge user groups of the two payment giants, while bringing convenience to the masses, there are also some financial security problems, which are personal collection codes.
In the years when micro-business broke out, most merchants' collection methods were "personal collection codes", through which a large number of commercial transactions were carried out, escaping official supervision and missing a large amount of taxes, which brought huge losses to the country's economy. In the years when live streaming with goods broke out, there were also many head anchors who had tax evasion and tax evasion in supply chain transactions through Alipay and WeChat personal collection codes, and the tax evasion amount of a well-known domestic well-known anchor with goods reached 1.341 billion yuan, and many people had never seen so much money even if they went to the grave, and the losses caused to the national economy could be imagined.
In response to this matter, in October last year, the central bank announced the relevant restrictions on "personal collection codes". According to previous sources, WeChat and Alipay said that the "personal collection code" will not be allowed to be "operationally used" after March 1, and if you want to continue to enjoy the previous functions, you need to upgrade the personal collection code to a "personal operation collection code". In addition, the revenue data of the past 4 years will be recovered, and once the transaction amount is large, it will also need to be taxed at 4.5%, including late fees and fines.
This does not have much impact on individual users, but for some street vendors, small supermarkets, but it is a blow, because many of these people use personal collection codes, and it is a small business, the profit itself is not much, prohibit personal collection codes for commercial use, many people are worried that they will bring trouble to their own business, increase the burden.
The new rules came into effect
Now that the new regulations of Alipay and WeChat have also officially taken effect, not only can personal collection codes be used normally, but also bring many preferential conditions. The new regulations show that personal collection codes can be used normally, and the platform has also introduced personal business collection codes, which users can voluntarily upgrade for free. These two methods can not only be chosen by themselves, but also the transaction qualifications will not change, the service will not be reduced, and the experience will not change. It is worth noting that after upgrading to the personal operation collection code, you can also enjoy additional preferential conditions.
Can the personal collection code be upgraded in the end?
In fact, there are different choices for different merchants, for some small traders who sell goods at the time point of the card, if they really can't operate or do not have the conditions to upgrade, they can continue to choose personal collection codes. If it is a fixed store, convenience supermarket and other businesses, it is recommended to upgrade to a personal business collection code, compared with the personal collection code, not only pay credit cards and other specific payment methods, but also participate in the issuance of coupons and other marketing activities, so as to bring more opportunities for business expansion.
Of course, what is important is that the operation of the collection code can better reduce the transaction risk, effectively ensure the safety of the user's funds, and is also conducive to the supervision of the state, so as to accurately judge the social and economic trends and quickly carry out relevant macro adjustments.
What do you think about this?