WeChat Pay adjusts the settlement method of incoming funds effective October 24
On September 13, Tenpay Payment Technology Co., Ltd. recently issued the "Notice of Adjustment of The Settlement Method of Receiving Funds" to WeChat Pay merchants and WeChat Pay partners.
We see the change in the way WeChat Pay adjusts the settlement method of receiving funds, and many netizens are discussing that this is WeChat's operation and cutting leeks, in fact, it is not, such an operation is not what WeChat hopes, but the state monitors the transaction of commercial funds, one is the security of funds, the monitoring of the legitimacy of funds in and out, and the other is the effective monitoring of commercial data. If such a huge amount of money flows, but the state can not effectively monitor it, it is equivalent to a large part of the funds out of control, which is very dangerous.
The state must exercise effective monitoring and control over any funds, which is a state accusation, not only for our country, but for the whole world.
Of course, at present, only the monitoring of merchants, etc., there is no effective monitoring of personal capital behavior, in fact, from the actual operation we can see that many commercial behaviors are traded through WeChat. Therefore, if the individual himself is large enough to a certain extent, he should also be monitored, of course, as an individual, he does not want to be monitored, but from the perspective of the overall interests of the country, monitoring is beneficial to the country and the people.
In addition, with today's topic, let's discuss another issue.
The biggest feature of online payments like this is that these payment platforms have actually become a huge reservoir of funds. The amount of money is terrible. Listen to me, we know that online payments are now a mainstream, and cash is used less and less. For example, we all use WeChat, if WeChat has no change, or is directly bound to a bank card, when the payment is transferred directly from the bank to another person's WeChat. This is a process of money from the bank card to the WeChat platform, the essence of this process is that the money in the bank card is reduced, transferred to the WeChat platform, then the WeChat platform invisibly increases the amount of funds, and the decrease in the number of bank card money corresponds to the increase in the number of money on the payment platform.
This process is a continuous WeChat platform incremental process, then it is also a process of continuous increase in platform capital increments. So when these money is transferred in WeChat, as long as it is not transferred to the bank card, then this is just a number, and the actual platform is equivalent to the savings function of the bank, can the money be used for other purposes? This is a question mark, because there is no conclusive evidence, but it will not really be like a lone ghost wandering around the platform, these funds will be fully utilized, who can use it? Naturally, everyone is clear and undeclared. This is a lot of money, more than any bank of funds are larger, there may be trillions of dollars, think about it is very tempting, these money as investment, even if the bank eats fixed interest, it is also quite amazing, than an ordinary people's salary is a lot higher.
Therefore, we have seen that in the past two or three years, the state has strengthened the supervision and control of payment platforms. To master the flow of funds, but also do not want a large amount of money into a huge non-state-owned payment platform.
If it is out of control, once there is a crisis, the platform collapses, this loss is huge, directly there is real money and silver into a number, and the last most number may not be saved.
Therefore, we ordinary people should not only look at those transfer fees and other issues, but should consider this issue from the perspective of national security.