Per reporter: Song Ge Per editor: Chen Xing
Several members were left in the ranks of third-party payment agencies.
Recently, the list of payment license cancellations announced by the central bank was updated again - 3 prepaid card institutions took the initiative to cancel payment licenses.
Every reporter noted that after this change, Ruixiang Business Service Co., Ltd. undertook the prepaid card issuance and acceptance business of Beijing Fanxing Valley Information Technology Co., Ltd. in Beijing.
3 payment licenses voluntarily cancelled
Recently, the central bank's administrative examination and approval public information shows that the payment licenses of Three Prepaid Card Institutions, Shaanxi Post West Mail Electronic Payment Co., Ltd. (hereinafter referred to as "West Mail Payment"), Beijing Fanxing Valley Information Technology Co., Ltd. (hereinafter referred to as "Fanxing Valley"), and Fujian Yintong Business Service Co., Ltd. (hereinafter referred to as "YINtong Commerce"),have been cancelled.
The business coverage of these three institutions is a single province. Among them, the business scope of the prepaid card of Western Mail Payment is Shaanxi Province, the first license date is June 27, 2012, and the payment license is cancelled on January 12, 2022. THE BUSINESS SCOPE OF JETCO COMMERCE IS FUJIAN PROVINCE, AND THE DATE OF OBTAINING THE FIRST LICENSE WAS July 6, 2013, AND IT WAS VOLUNTARILY CANCELLED ON MARCH 2, 2022. The business scope of Star Valley is Beijing Municipality, which was first licensed on July 6, 2013, and voluntarily cancelled on January 26, 2022, and the business was undertaken by Ruixiang Business Service Co., Ltd. (hereinafter referred to as "Ruixiang Business").
According to the official website of the central bank, before that, the prepaid card business scope of Ruixiang Commerce has covered Jiangsu Province, Anhui Province and Shanghai Municipality.
According to the national enterprise credit information publicity system, Ruixiang Commerce was established on July 9, 2010, the legal representative is Zhu Bo, and the registered capital is 100 million yuan.
Image source: Central bank
Prepaid card institutions are evolving the survival of the fittest
It is worth noting that in addition to the license of Western Mail Payment, which expired in June this year, the payment licenses of the other two institutions will be valid until July next year. Why are prepaid card agencies in a hurry now?
Wang Pengbo, a senior analyst in the financial industry at Broadcom Analysis, said that the original business model of prepaid card institutions has actually been greatly affected, for example, the rise of mobile payment has led to changes in the overall business logic, and the relevant management regulations of reserve funds and changes in tax policies have affected the operation of prepaid card licensed institutions.
In addition, the prepaid card business undertaken by Ruixiang Business in the Star Valley is not without warning.
Qixinbao information shows that The Star Valley and Ruixiang Business both belong to the Ruixiang Group.
Image source: Kaixinbao
Ruixiang Commerce's former name was Jiangsu Ruixiang Commercial Co., Ltd., which was changed to its current name on September 26, 2019, and behind the name change, it reflects the expansion of its business coverage area. According to the information published on the official website of the central bank, on January 6, 2018, the prepaid card business scope of Jiangsu Ruixiang Commerce Co., Ltd. at that time increased from Jiangsu Province to Anhui Province, and on July 28, 2021, Shanghai Was added.
"Prepaid card institutions are undergoing a natural commercial evolution of the survival of the fittest." Wang Pengbo said that some prepaid card institutions have evolved in marketing methods and service depth by actively embracing the mobile Internet, and the transformation is relatively successful.
(Intern Song Qinzhang also contributed to this article)
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