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"You have to think from the central bank's point of view, and it's easiest to turn off all third-party payments. Yue Qin said politely.

"Didn't the central bank block us, which shows that there is still room for development of third-party payment. According to my understanding of third-party payment, if this matter had been placed in Europe and the United States, it would have been suppressed and could not raise its head. However, our country's credit card payment system is still weak, and banks have little interest in this area, and QR code payment has little impact on them. Sun Chuan said.

This involves the reason why developed countries have long had QR code payments, but they have not become popular. It was said that there are not many people in developed countries who use QR code to pay, why not many people use it? Because their country has much more pressure on third-party payment than our country.

For example, PayPal, which itself is equivalent to a credit card, has quite complete financial functions, can be used for online shopping, and supports far more countries and currencies than Alipay.

However, due to various restrictions of banks, PayPal's transfer and withdrawal fees are very high, and it is completely unsuitable as a means of transfer transactions between individuals. Therefore, although PayPal is more powerful than Alipay, foreigners still do not choose to use PayPal as the main payment tool.

In the Consultation Paper, the PBOC did not propose to increase the handling fees paid for transfers and withdrawals, which is already merciful. As for some other "euphemistic" restrictions, it is unavoidable.

"Why compare with others, now the central bank is to restrict us, saying that it is to solicit opinions from the majority of users, in fact, it has been written very clearly, and most of them have no room for negotiation. Yue Qin said.

"You're in a bad mood today, I suggest you calm down. Sun Chuan said.

Yue Qin stiffened his face and stopped talking, he was really not in a good mood at the moment.

"The restrictions that are proposed for the sake of security are up to him, and I believe that users want to be safer as well. The development of micropayment is inseparable from the support of the central bank, whether the central bank is for interests or security purposes to rectify third-party payment, we cannot do it against the central bank. Xia Ming, it is still up to you to negotiate with the central bank on behalf of the company, and your attitude must be steady. Hang Yu said.

At first, he was a little unhappy, but after listening to Yue Qin's analysis and thinking about it carefully, he finally calmed down and decided to cooperate with the work of the central bank, because he had no other choice.

"According to the conditions in the draft for comments, there will be a short-term impact on micropayment, but in the long run, I think there is still a lot of room for development of micropayment. We don't compare with European and American countries, but we can't compare with central banks either, let's negotiate amicably. Hang Yu defined the matter.

"Okay, I see. Xia Ming replied.

Hearing the words of friendly consultation, Xia Ming understood what Hang Yu meant.

——

When they were first invited to China, Charles and others were very cautious because they were not familiar with the Chinese environment. When signing the first contract, they specially hired a lawyer to assist and confirm that there were no problems with the contract.

But after spending some time in China, Charles and his family found it to be a paradise.

Accustomed to heavenly treatment, the company's bars and streets were unimpeded, and Charles' vigilance dropped to almost zero. They only read the contract briefly, and when they saw the new treatment, they signed the new contract with satisfaction.

"You have to think from the central bank's point of view, and it's easiest to turn off all third-party payments. Yue Qin said politely.

"Didn't the central bank block us, which shows that there is still room for development of third-party payment. According to my understanding of third-party payment, if this matter had been placed in Europe and the United States, it would have been suppressed and could not raise its head. However, our country's credit card payment system is still weak, and banks have little interest in this area, and QR code payment has little impact on them. Sun Chuan said.

This involves the reason why developed countries have long had QR code payments, but they have not become popular. It was said that there are not many people in developed countries who use QR code to pay, why not many people use it? Because their country has much more pressure on third-party payment than our country.

For example, PayPal, which itself is equivalent to a credit card, has quite complete financial functions, can be used for online shopping, and supports far more countries and currencies than Alipay.

However, due to various restrictions of banks, PayPal's transfer and withdrawal fees are very high, and it is completely unsuitable as a means of transfer transactions between individuals. Therefore, although PayPal is more powerful than Alipay, foreigners still do not choose to use PayPal as the main payment tool.

In the Consultation Paper, the PBOC did not propose to increase the handling fees paid for transfers and withdrawals, which is already merciful. As for some other "euphemistic" restrictions, it is unavoidable.

"Why compare with others, now the central bank is to restrict us, saying that it is to solicit opinions from the majority of users, in fact, it has been written very clearly, and most of them have no room for negotiation. Yue Qin said.

"You're in a bad mood today, I suggest you calm down. Sun Chuan said.

Yue Qin stiffened his face and stopped talking, he was really not in a good mood at the moment.

"The restrictions that are proposed for the sake of security are up to him, and I believe that users want to be safer as well. The development of micropayment is inseparable from the support of the central bank, whether the central bank is for interests or security purposes to rectify third-party payment, we cannot do it against the central bank. Xia Ming, it is still up to you to negotiate with the central bank on behalf of the company, and your attitude must be steady. Hang Yu said.

At first, he was a little unhappy, but after listening to Yue Qin's analysis and thinking about it carefully, he finally calmed down and decided to cooperate with the work of the central bank, because he had no other choice.

"According to the conditions in the draft for comments, there will be a short-term impact on micropayment, but in the long run, I think there is still a lot of room for development of micropayment. We don't compare with European and American countries, but we can't compare with central banks either, let's negotiate amicably. Hang Yu defined the matter.

"Okay, I see. Xia Ming replied.

Hearing the words of friendly consultation, Xia Ming understood what Hang Yu meant.

——

When they were first invited to China, Charles and others were very cautious because they were not familiar with the Chinese environment. When signing the first contract, they specially hired a lawyer to assist and confirm that there were no problems with the contract.

But after spending some time in China, Charles and his family found it to be a paradise.

Accustomed to heavenly treatment, the company's bars and streets were unimpeded, and Charles' vigilance dropped to almost zero. They only read the contract briefly, and when they saw the new treatment, they signed the new contract with satisfaction.