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“网联”杀入支付新战局:谁的江湖?

2017-08-09 11:28:06   新华网

腾讯此前发布消息称,6月30日“网联”启动切量,财付通是首家参与切量的支付机构,已将旗下部分支付业务切至网联平台。

对于网联的到来,京东金融副总裁许凌认为,“网联平台将对第三方支付机构形成统一的规则、提高市场效率、规范清算市场,平衡整个支付生态系统当中各方的利益及维护金融安全,帮助支付机构规避支付风险漏洞。也将促进市场上的支付机构回归支付本业,集中精力拓展场景,优化用户支付体验。”

百度钱包相关负责人认为,“非银行支付交易规模日益庞大,网联平台对于提高清算效率、保障消费者资金安全都是极为有利的。”

对于“网联”的诞生,分析普遍认为会对支付巨头和中小型支付机构带来不同的影响。

苏宁金融研究院互联网金融研究中心主任薛洪言曾向记者表示,与银行直连模式相比,网联平台统一技术标准和提高清算信息透明度的同时,也彻底废除了第三方支付龙头多渠道(指银行直连数量)、低费率的护城河,将行业的竞争重新拉回到支付场景拓展和客户体验提升上来。

“大型支付机构多已建立完善的银行直连体系,且支付成本较低,迁移至网联平台后,之前的优势便抹平了。”他表示。

北京大学市场与网络经济研究中心研究员陈永伟持类似观点。他认为,相对大型的支付机构的利益可能会受到部分冲击,但由于此前支付机构对用户支付习惯的培养,网联的出现对各巨头利益能产生多少实际影响尚难判断。

黄嵩表示,目前支付宝可以做清算,但是,网联推出后,就断了支付宝、财付通等大型支付机构成为visa、万事达卡、银联这样的机会。

在董希淼看来,对于大型支付机构来说,在备付金利息收入方面减少。按照目前的政策,今年4月开始,第三方支付机构20%的备付金需转存央行,那么,接入网联之后,客户备付金将全部接入央行存管,因此,减少了这部分资金沉淀带来的利息收入。

但是,他认为,网联的推出不会明显冲击现有支付格局,对于整个行业来说是利好。以前标准不一,重复建设等问题存在,网联推出后,交易数据更加清晰,监管更加到位,客户备付金能得到更好的保障,这样的清算模式更直接更清晰更高效。

董希淼表示,作为一个金融服务机构,不可能由一家商业机构来主导,必须由央行的机构来主导,这样更安全。

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