wholesale pagan jewelry What is the central bank's positioning of a third -party payment platform

scarf jewelry charms wholesale 1. Explore the problem of integrity in the development of e -commerce

"Several Opinions on Accelerating the Development of E -commerce" issued by the State Council, and clearly put forward the strategic idea of ​​integrity construction: accelerate the construction of credit systems, establish science, reasonable, and authoritative authority 2. Justice credit service agency; strict credit supervision and disciplinary disciplinary mechanism, and gradually form a policy and goal that meets both my country's national conditions and international standards. Everyone claims that integrity is the cornerstone of e -commerce. It should be seen that e -commerce is not an air tower, and it is largely based on traditional economic methods and trading environments. Therefore, I think that integrity is not only the cornerstone of e -commerce, but also the cornerstone of the development of the national market economy. my country's credit evaluation and regulatory mechanisms are not sound, and it is still in the stage of multi -management. The integrity of some credit evaluation agencies may have problems. Even the 3A rating can be sold and sold at will. Some individuals and enterprises have not paid a price for regular defaults and dishonesty. This phenomenon of "trustworthy but not greater interests" and "not getting trust will not get greater punishment", which brings high transaction costs to commercial transactions, and also restricts the pace of traditional business towards e -commerce.

Compared with traditional commerce, e -commerce is usually not seen by buyers and sellers. Information asymmetric and even lack of comprehensive judgment with experience intuition, online exchanges, and offline surveys, and the cost of investigation on the Internet is very high, and some businesses are difficult to investigate. Integrity issues such as payment and other aspects affecting users' confidence in online transactions;

(2)
In order to promote the healthy development of the e -commerce industry, on the one hand, we hope that credit in traditional business models The mode is perfected as soon as possible, and credit data shared as soon as possible; at the same time, we believe that the necessary, practical, and credit data management mechanisms that need to establish a necessary, practical, and practical, practical, and compliance with e -commerce characteristics; R nThe health management system in my country has more factors involved, but legislation and law enforcement related to credit is the top priority. We already have a series of policies and regulations such as the management measures for e -commerce corporate credit, online auction transaction management measures, e -commerce taxes and invoices in the future.

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The credit management system in the financial field is also very important. He directly affects the performance of electronic payment and normal services, affecting the efficiency and quality of e -commerce. The underlying credit system will affect the client's trust, confidence, and efficiency of e -commerce.

It, in B-C, C-C, B-B e-commerce, there is still a difference in integrity.

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B-C e-commerce: B2C transactions tend to mature. Although there are individual merchants fraudulent consumers, the proportion is not large. Consumers usually choose to shop they are familiar with. Since 1998 and 1999, we have seen that more and more brands such as excellence and Dangdang have continued to emerge in the segmented field, which has played a positive role in the integrity of transactions to a certain extent. The transactions of these honest business platforms have been enlarged year after year, maintaining a healthy and stable development. The third -party payment platform has also played a great role in the development of e -commerce by providing online payment services to the merchant platform and its users.

"Capital Electronic Mall" founded in 1998 (the current first -letter payment, a typical neutral third -party payment platform), pioneered the bank -based "trust mechanism" -t. Integration -Integration Bank service resources, the basic account of a third -party payment platform is opened in the bank, and the fund payment is implemented through the bank to ensure timely and accurately settlement, so that bank customers (enterprises and individual consumers) have gradually accepted third -party payment under the premise of trusting banks. The service of the platform; the third -party payment platform requires that the access to the access must provide business licenses, tax registration certificates and annual review proof to prevent merchants with insufficient integrity of consumers; third -party payment platforms maintain objective neutrality, successfully resolve merchants and consumers The disputes between banks protect the interests of all parties. This model has been widely adopted in the same industry.

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C-C e-commerce: The difficulty of C-C e-commerce is that under the premise of lack of trust between the buyers and sellers, it is difficult to find a "fulcrum" of trust. Between the credit rating model and the guarantee mode, the guarantee mode seems to be more popular with individual users. The model of a third -party intermediary with guarantee as the core has promoted the development of the C2C business to a certain extent, but the starting point of this model design is to distrust each other. Due to the inconsistency between the flow of capital and the logistics, Even the long -term splitting has slowed down the transaction efficiency of e -commerce. For example, the seller's delay in receiving the payment and the operating costs are too high, and the needs of digital virtual commodities and service transactions cannot be met. From the perspective of the development trend of e -commerce, this guarantee model is a temporary transition model with incomplete integrity system and incomplete certification registration mechanism. C-C e-commerce is a barometer at the level of integrity of the whole society. This integrity and payment model will continue to innovate with the development of the social credit system.

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B-B e-commerce: We all know that domestic B-B e-commerce basically stays at the stage of supply and demand information interaction. Only a few large enterprises have successfully established the successful establishment On its own B-B purchasing or sales platform, about 90%of companies have not even experienced the advantages of B-B e-commerce to their own business. Due to the large amount of transactions between enterprises, the issue of integrity is even more prominent, and the cost of not talking about integrity is often high. B-B e-commerce platforms with large enterprises as the core and vertical industry platforms, due to the qualification background and industry leadership advantages, the integrity is relatively high; and other types of SMEs are centered on platforms and comprehensive B2B platforms, There are still many traditional methods such as obtaining information, negotiations, ordering, re -negotiation, and negotiations on the Internet.

For the above situation, the first Xinyi Payment released a third-party B-B payment service based on multiple banks in July 2006. There are several characteristics:

1) r)
is based on the credit system of various domestic banks, rather than other credit evaluation systems. Real -time feedback on the buyer's transaction payment;
n2)
Combined, the payment is instantly arrived, which meets the requirements of some businesses in the B-B e-commerce platform on real-time transactions, and greatly promote the transaction negotiation;

3) Management needs in business negotiations, ordering, payment, etc. provide customized services, such as: installment, margin and other payment forms.

4)
The third party B-B payment service should be based on national conditions and adapt to local conditions. Our experience is that while solving the payment problem, we jointly created a "trust mechanism" with the seller and banks, which can solve the issues of payment, integrity, and capital security in B2B transactions.

This e -commerce still has a certain gap in all aspects and international e -commerce. This gap is not technical and business models, but in terms of integrity system, security certification and payment. As practitioners, we need to both self -integrity, but also actively cooperate with the construction of the industry's integrity system to carry out continuous innovation and breakthroughs.

. Explore the problem of the development of payment market and third -party payment

The domestic electronic payment market, mainly including three business forms: banks or UnionPay electronic payment platforms, third parties Electronic payment platform for payment service providers, electronic payment platforms built by enterprises internally. In the process of industry development, the following problems have been gradually exposed, which has attracted the attention of the industry authority:

1.
The virtual currency as a new currency form, forming an important component of the virtual financial system, forming an important component of the virtual financial system Part of the risk should be prevented early before being included in the central bank's regulatory system;

2.
N3.
The issue of the identification, protection and development of electronic payment operating qualifications;

4.
The payment service objectively provides financial extension and financial value -added services. , Promote the bold and clear innovation of its business;

5.
It to be alert to the disorderly or even malignant competition in the payment industry, damage payment services, and even have a negative impact on the development of e -commerce business. Essence

6.
, while protecting electronic transactions, the state must consider the uniform planning of industrial and commercial management, tax collection management, government industry management business from the perspective of payment certification, payment standards, transaction transparency, etc. Some standards, technical and policy preparations.

7.
It highly vigilant issues such as money laundering, international payment transfer, international credit card theft, international transaction tax loss and other problems in the electronic payment industry; The payment industry does not have the risk of supervision, but when the third -party payment platform and other payment platforms are supervised, we believe that we should pay more room for development for third parties.

The third -party payment advantage is that the interests are neutral and the business model is more open. It can meet the business model changes of different enterprises and help merchants create more value. Third -party payment is based on banking services, cooperates with banks to provide personalized electronic payment services to large and small enterprises, and for banks to develop value -added services for users. Obviously, the cost of personalized services for banks is still high. Some banks operate high -cost business, which may be profitable for third -party payment service providers.

If third -party payment has developed rapidly in the past two years, and innovative applications have emerged. Let's analyze the value and significance of the existence of third -party payment:

1. Reduce social transaction costs

1) Banks have accelerated the speed and efficiency of processing, and the enterprise reduces human and time costs;
2) The enterprise connects with multiple banks through a third -party payment platform, reducing development and maintenance costs;
3) reduced the risk of transaction cancellation or delay, payment failure, and credit fraud, and increased the success rate of enterprises.

2. Improve corporate competitiveness

1) Enterprise transaction efficiency and efficiency and efficiency improvement, promoting the emergence of many new types of innovation services;
2) The business coverage area of ​​the enterprise expands, and the expansion of the business coverage area is expanded. Customers have more options on payment methods;
3) Third -party payment service providers have promoted consumers to eliminate doubts about trading of small and medium -sized merchants.

3, promoting industrial development
1) Help banks promoted the electronic banking business and promoted the development of B-C and C-C business; Marketing;
3) Third -party payment providers handle transactions objectively and neutralize to safeguard the legitimate rights and interests of all parties.

It's professional and focus on third -party payment service providers has indeed promoted the development of e -commerce in my country, but the development environment of third -party payment service providers has gradually complexity.

First of all, the income model of third -party payment service providers is tested. Because the direct payment income of third -party payment services is gradually transparent, the decline is large, and the cost of paying to the bank from the transaction fee is high, and the direct gross profit margin of the payment service is quite low. If you provide services below bank costs and even free of charge, the short -term profitability of these service providers is very small. The subsidies for other businesses for payment business are common, but the free ideas of this user Internet to conduct extremely critical payment services for the operation of the virtual economy. It is very dangerous to stand at the height of the development of the industry. Therefore, it is hoped that the government will introduce relevant policies as soon as possible to determine, protect, and develop third -party payment services from long summaries.

The second, insufficient innovation, serious homogeneous competition. The higher the overlapping proportion of the payment business between the third -party payment service provider, the bank and the UnionPay, and the internal payment platform, the greater the vicious competition. The end result is that the interests of enterprise users and individual users are damaged, and the payment platform dealers with weak strength and lack of innovation and profit growth are eliminated.

Third, the development of commercial banks has prompted payment service providers to accelerate innovation. Bank is an important strategic partner for third -party payment service providers, and also took away a large proportion of payment income from third -party payment service providers. Business directly launched low -end competition. Under its own informatization constraints and immature market constraints, the cooperation with third -party payments in the past few years is good. Now the bank recognizes the importance of online banking business and gradually develops online services for users based on online banking. This requires that third -party payment service providers jump out of the past business limitations, so as to achieve deeper cooperation with banks at a new starting point to achieve new business innovation and achieve a win -win situation.

Fourth, the industry authorities also need to have corresponding support policies while regulating payment services. We all know that the central bank's management rules for the electronic payment industry are about to be introduced one after another. While strengthening supervision, how to help and support third -party payment. The ideal environment is that the competent authorities reduce unnecessary administrative intervention, help third -party payment service providers to strive for preferential tax policies, unify the technical specifications of bank payment gateway, unify the digital certificates of each bank, and give the market a relatively loose, favorable advantage Development environment.

In the establishment and implementation of a safe, simple, and popular electronic payment function, which is the requirements of the development of domestic e -commerce. This should be the common responsibility of the government, banking and payment service providers.

I. as the manager of the industry, the government and the central bank are not the subject of industry innovation, and should play more role support;
n It is also restricted by its own conditions, limited enterprises and personal service capabilities, and the flexibility of the development of business is also insufficient. It should use its own advantages to cooperate with the payment service provider and innovate;

third -party payment service providers, Each has different properties such as the Internet, the Internet, the nation, the local, and the industry. It adopts different payment forms to serve different objects. It has a more thorough understanding of the needs of users. It is the main force of the innovation of the electronic payment industry. Bank partners, also customers of commercial banks, rely on the business system of commercial banks to a fairly extent. The domestic electronic payment market is in a period of booming. Cargie payment, online payment, and mobile payment coexist at the same time. It has huge market capacity. National online payment service providers, mobile payment service providers, local offline payment services Commercial and comprehensive payment service providers have broad development space.

The category in the payment service provider, that is, the enterprise that built its own payment platform may be telecommunications operators, public service operators, Internet business operators, e -commerce enterprises, etc. With a deep industry foundation or huge number of customers, it is also the power that cannot be ignored in the electronic payment industry innovation team.

. Safety certification issues

We know that e -commerce refers to the use of digital electronic methods for business data exchange and business activities. Various business platforms, trading platforms, and payment platforms shall conscientiously and responsible to perform the tasks entrusted by the buyers and sellers, and actively assist both parties to deal. Among them, the certification center plays a role of the supervision and management of the contracting and performance of the buyers and sellers. The buyers and sellers are obliged to accept the supervision and management of the certification center. During the entire e -commerce transaction, the certification agency has an irreplaceable status and role in the process of electronic payment.

. According to incomplete statistics, although there is no uniform norm and standard for electronic certification, there are more than 100 electronic certification agencies established by various industries, regions, and departments in my country. Some banks also started to make their own certification system. Although CA certification plays a very important role in the transactions of both parties to e -commerce trading, from the perspective of the future development of the e -commerce industry, on the one hand, the state needs to unify all kinds The decentralized CA authentication system; second, the unified registered registration of the two parties to buy and seller certification, order certification, and virtual currency certification; third, the development of CA certification needs to be combined with the application, for example Online taxation, etc.), promote the application of CA. Fourth, e -commerce must also pay attention to the market of SMEs.

Speaking of e -commerce, only large enterprises in the concept of many people can benefit from the development of e -commerce. In fact, according to our service experience, the vast number of small and medium -sized enterprises provide various product sales, service provision, and data content sales in different links of the industrial chain. According to statistics, in our country:
Is small and medium -sized enterprises account for 99.5 % of the total number of enterprises;

If the final product and service value created by small and medium -sized enterprises accounted for more than 50 % of GDP;
n n n n n n n n n n n n n R N provides more than 60 % of exports and 46.2 % tax revenue in the country;

Stime enterprises have absorbed 75 % of employees in the whole society;

Enterprises have created 65%of patents and more than 75%of technological innovation results; new products with

80%come from SMEs;
n The important foundation of China's economic growth should also be an important force in the e -commerce and electronic payment service industry.

It's perspective of the development of the e -commerce industry, integrity and payment of integrity, and hope that no matter the design of the integrity system design or the positioning of payment services, it must be far away. It is a domestic trade, foreign trade, fund settlement, and other value -added services that can support the development of payment service companies.

Is we work together to promote the successful experience of e -commerce development, work together to improve the development environment of e -commerce, promote the harmony, health, sustainable, and rapid development of e -commerce, and jointly build Chinese e -commerce and electronic payment together Beautiful tomorrow.

seeds and nuts from ecuador for making jewelry wholesale Family wealth management varies from person to person. However, the establishment of a personal and family risk prevention system should be part of family financial management. Buying insurance is a way to effectively resist personal risks. If you are interested, you can find out first.

If you want to buy insurance, then you must understand some basic knowledge about insurance. If you can learn some basic insurance knowledge, it is not a bad thing for people who do not understand insurance. If you don't mind, let's understand a little basic insurance knowledge now?

The basic principles must be clarified: buying insurance is guaranteed! Not others (such as: stocks, funds, deposits, etc.). Buying insurance is an effective way to avoid personal risks and establish a personal security system. At the same time, it is still a way of financial management. If you want to make financial management correctly, you should learn and understand some basic knowledge about insurance. If people are also cloudy, or you want to buy insurance products taken for granted, the result may be counterproductive. Not only will you spend money to buy the products you do not necessarily need, but it will also make you bothering for a long time, even if you are annoyed for a lifetime.

The insurance is divided into: social insurance and commercial insurance.

Social insurance is a legal insurance and can also be called: policy insurance. It is a state management department based on legal basis to implement and manage administrative means. Any insurance that adults who participate in or have their own career must participate in. It can provide insurance participants with economic insurance within the scope of basic medical insurance, basic endowment insurance, work injury insurance, unemployment insurance and maternity insurance. Because social insurance is a government behavior, it has compulsory characteristics. Employers (or institutions) should sign a labor contract when hiring employees. Employers (or institutions) should handle social insurance for employees. This is the social responsibility and obligation that employers should have. If the company does not handle social security for employees, it is an illegal act. After grasping relevant evidence, it can complain and report to the local labor supervision brigade. You can also ask for help from the local media to expose the illegal acts of those bad bosses.

The individual personnel can participate in social security (at least the current policy is the current policy) as a freelancer, and then perform the obligation to pay on time, full, and continuous payment. Insured persons can get relevant economic protection when they encounter the above basic medical care, basic pension and maternity insurance issues. If you want to know more, you can log in to the website of the local social security bureau and conduct relevant issues to understand and consult.

The social security emphasizes social fairness (only one of the insured persons), and its basic principles are: low level, wide coverage, guarantee is insignificant. Therefore, its guarantee cannot fully meet personal needs, so commercial insurance needs to be supplemented.

S commercial insurance: It is a small part of the social (insured) power for a small number of insureds when encountering some (such as major diseases, accidental injuries, medical health, etc.) to provide personal risks for personal risks). There should be insurance insurance. Buying commercial insurance is a kind of commercial behavior. It should buy insurance based on personal needs and personal economic payment capabilities. Since it is a commercial insurance, it has a strong commercial color, which is supplemented by social insurance. Commercial insurance emphasizes personal fairness (buying according to your own needs and economic capabilities, buying more, more protection, less purchase, less guarantee, no guarantee if you do not buy), its positioning should be: social insurance supplement. The principle of purchase is: voluntary principle.

Wen characteristics of these two insurances: Provide a certain degree of economic protection for the insured. Social security must be bought because it is policy insurance and has certain welfare. As for commercial insurance buying and not buying? What kind of insurance do you need to buy most? How much do you buy? That should be determined according to your own needs and economic payment capabilities.

This to buy insurance is guaranteed, and guarantee is needed by everyone. Therefore, you must figure out before buying insurance: What is insurance? Why buy insurance? What kind of guarantee do I need most? How much does I need such a guarantee? How much can I buy insurance products I need? If you really want to buy some insurance for yourself and your family, I suggest you:
1. First learn and understand some insurance knowledge;
. Understand the role and significance of insurance;
. Clarify yourself yourself Demand for insurance;
4. Insured according to your actual needs and economic capabilities. Do it really: consumption and enjoyment. Otherwise, because of his own ignorance, it may get infinite trouble in the future.

The risk of life everywhere, accidental damage, health and pension problems are the biggest risks that everyone may encounter at any time. Once such risks are encountered, it may directly affect a person or Fate of a family. Therefore, these three risks should be guaranteed by everyone.

For adults, buying insurance should buy social insurance first. After that, you can choose to buy some commercial insurance to supplement. Because social security is the foundation, commercial insurance is supplemented. There are some basic principles for buying commercial insurance, such as: adults first, then children; first, then complete; first, then far ... and so on. It should be very necessary to understand and follow these principles. If you still want to know more professional knowledge about insurance, you can go to the insurance network to take a look. Or find a high -quality insurance salesperson with a sense of responsibility and proficient business for related business consultation.

Me buying insurance for minors, mainly to choose to buy concentrated insurance, accidental damage comprehensive insurance, life or regular health insurance in commercial insurance. If the child is too young, some insurance products you want to buy for your child may be restricted by some policy regulations. Therefore, you can buy less health insurance for your child. Inpatient medical insurance.

It, you can also consider buying a children's hospitalization mutual assistance at the Social Security Bureau or the street office (about 40-50 yuan/year/year). Protection will increase. When the child is a little older, buy him some kinds of insurance that is suitable for him.

The people only have the desire and impulse to buy before buying commercial insurance, but do not carefully understand the relevant insurance knowledge, listen to the salesperson and buy it. After getting the policy, I no longer take a look at the content of the terms. Afterwards, I talked to others before I slowly felt that I was not clear about the insurance that I had bought, or I found the insurance I bought and and and that I bought the insurance I bought. Not the product you want. Repentance at that time will be remembered. In view of this, it is recommended that you still learn, understand first, and then decide to buy. The so -called: the grinding knife is not to cut firewood.

Generally speaking: the basic effective guarantee of everyone: lifelong health insurance should not be less than 300,000 yuan; accidental damage insurance should not be less than 200,000 yuan/year; 100,000 yuan. Commercial insurance does not have a copy to solve the problem, but it must be done.

For workers, the cost of buying commercial insurance should be about 15%of the annual income. If there is less, the guarantee may appear insufficient; if it is over, it may have some adverse effects on your daily life.

The insurance company has some requirements for the insured and insured, that is,: 1. The insured must be a healthy body. Second, the insured should have stable income and payment capacity. 3. The amount of compensation for minors does not exceed 50,000 yuan.

The buy commercial insurance (no matter what kind of insurance), it must be: the sooner you buy, the better. Because it has a law: under the same guarantee, the premium paid is increasing with the growth of the insurance.

Insurance is a science. Buying commercial insurance requires: there must be a thorough plan arrangement and gradual psychological preparation. Do not imagine that one investment can solve the life protection needs. Or, buy a insurance to provide yourself with multiple guarantees.

The correct insurance method should be:
1. It is very important to learn and understand before buying insurance.尽量多学习一点保险知识，正确认识保险的功能和作用； rn 2、选择一家实力强，信誉好的保险公司； rn 3、选择一个有责任感、诚实可信、业务精通、 For more than five years of employment, high -quality salespersons who can provide you with good pre -sales, mid -sales, and after -sales service provides you with services. n 5. After receiving the policy, you should carefully read each clause carefully within 7 days. If you encounter or doubt, you should contact the insurance company or salesman at any time and consult. If you are dissatisfied with the type of insurance, you can surrender the insurance unconditionally within 10 to ensure that your own interests are free of losses. Therefore, the early choice before the insurance is very important.

Is a better problem for commercial insurance companies, you can log in to the Insurance Network and China Insurance Network to understand and consult related issues.

Because of the wide range of family financial management, you can also take a look on the Internet. It is not a bad thing, right?

The personal point of view is for reference only.

I wish you good luck! 66