Small funds push up transaction costs, WeChat change cash charges concern-www.baid.com

A small amount of money to push the high transaction cost WeChat change the withdrawal fees concern – reporter Zhou Wenjing in February 16th, WeChat paid team announcement, since March 1st, individual users of the WeChat change withdrawal function (from the change to the bank card) started on the excess charge transfer, free recovery. This news has attracted a lot of attention. According to the announcement, from March 1st to calculate, each user (ID card dimension) has accumulated 1000 yuan free withdrawals amount, exceeding 1000 yuan, part of the bank fees charged by the Commission, the rate is 0.1%, each receive at least 0.1 yuan. Many people believe that, after the accumulation of a huge amount of users, WeChat to start a turn Internet free mode into charge income model. Tencent Internet finance, said, with WeChat payment users and trading volume gradually increased, the cost pressure is also growing, the strategy adjustment is also hope to subsidize part of the huge cost. Interface change small funds push up transaction costs "at the end of last year, the central bank began to withhold the thorough investigation of the third party payment interface, the original third party payment will transfer by withholding interface, tighter regulation after the application of scene withholding is limited, while WeChat change payments and withdrawals should be used most are not allowed to the scene these will be transferred from the interface to withhold payment fast, that would increase the cost of flow through WeChat mobile micro finance." A person close to financial payment told the China Securities Journal reporter that the payment function of WeChat was provided by Tencent’s financial payment company. The aforementioned sources, because of WeChat’s social attributes and multi application scenarios and the customer experience is good, the payment function is more and more strong, especially in small flow of funds, at the same time or cross regional, which means that this kind of petty cash flow facing with more different regional banks, especially small and medium-sized banks have debug interface cooperation in order to achieve capital. At present, the larger third party payment is mainly to cooperate with large banks, and it is difficult to cover all small banks in different regions of the country. WeChat team said that after the adjustment, WeChat payment system transfers, red packets, AA collection and other free. Prior to this, WeChat transfers within twenty thousand of the amount is free of charge, exceeding twenty thousand for 0.1% rate charge. Insiders, in fact, for the third party, mainly from the cost of funds at the entrance and exit of the non adjustment costs of WeChat, transfers and withdrawals are free of charge, should be in the building entrance cost hopes to strengthen the WeChat in payment in the scene. Large amount of money has the bargaining power to deposit banks. Many viewpoints think that huge amount of customer’s money remaining in the user’s zero wallet can bring huge profits to WeChat, so it should make up for its cost. Insiders said that in accordance with the provisions of the central bank, the existence of the third party payment of funds belonging to the reserve fund, the third party payment shall not be misappropriated investment. "However, for the third party payment, you need to open accounts in different banks. For the large amount of the third party payment, it has great attraction to the depository bank, and can improve the bank deposit scale

小额资金推高交易成本 微信零钱提现收费受关注   □本报记者 周文静   2月16日,微信支付团队发布公告,自3月1日起,个人用户的微信零钱提现功能(从零钱到银行卡)开始对超额部分收取手续费,转账恢复免费。这一消息引发了众多的关注。根据公告,从3月1日起计算,每位用户(身份证维度)有累计1000元免费提现额度,超出1000元部分按银行费率收取手续费,费率均为0.1%,每笔最少收0.1元。   不少人士认为,在积累了巨量用户后,微信要开始一转互联网免费的模式进入收费创收模式。腾讯互联网金融方面则表示,随着微信支付用户量和交易量逐步升高,成本压力也越来越大,此次策略调整也是希望能补贴一部分巨额成本。    接口转变 小额资金推高交易成本   “去年底,央行开始严查第三方支付的代扣接口,原来第三方支付会通过代扣接口进行划转,监管趋严后,代扣的应用场景有限,而微信零钱支付和提现的应用大部分并不是这类被允许的场景,这些划转将从代扣接口转向快捷支付,意味着通过微信流动的小额资金的流动成本将增加。”一位接近财付通的人士向中国证券报记者表示,微信中的支付功能由腾讯旗下的财付通提供。   前述人士称,由于微信的社交属性以及应用场景多和客户体验度好,支付功能越来越强,特别是小额资金的流动,同时还是跨地域的,这意味着这类小额资金流动面临着需要与更多不同区域银行,特别是中小银行有接口合作才能实现资金的调试。目前,较大的第三方支付主要还是与大银行合作较多,也很难一下子覆盖到全国不同区域的所有小银行。   微信团队表示,此次调整后,微信支付体系下的转账、红包、AA收款等免费。而此前,微信转账每月在两万以内的额度属于免费,超出两万则进行0.1%费率收费。业内人士介绍,事实上,对于第三方而言,主要的费用来自资金入口处而非出口处,此次微信调整费用时对转账进行免费而对提现进行收费,应该是居于希望通过入口成本的付出强化微信在支付场景中的建设。    资金量大 对存款银行有议价能力   不少观点认为,巨量客户存留在用户零钱包里的钱可以给微信带来巨额收益,应可弥补其成本。业内人士表示,按照央行规定,留存在第三方支付的资金属于备付金,第三方支付不得挪用进行投资。“不过,对于第三方支付而言,需要在不同的银行开立账户。   对于资金量大的第三方支付对存管银行来说有很大的吸引力,能够提高银行存款规模,因而对存款银行来说,如支付宝和财付通这类第三方支付是有较强的议价能力的。一般来说,这类第三方支付的资金会通过协议存款的形式存在相关的存管银行,通过协议存款的利息会比较高,这部分的收益能够覆盖掉一部分成本。”前述人士分析。   根据腾讯官方数据,微信支付绑卡用户数已超过2亿,其中近80%都是活跃用户。据相关测算,假设这80%中的两成每天进行需调用快捷支付接口的操作,即是3200万人,假设人均金额为200元,目前微信支付以0.1%的标准来征收手续费,支付单日手续费成本约640万元,按月计算,微信支付每月需承担1.92亿元的成本。   微信方面表示,银行对第三方支付平台收取手续费是行业标准,不同的支付平台在承担成本的同时,采用了不同的平衡成本的方式。以支付宝为例,亦需要为用户使用银行接口向银行缴手续费。在2013年12月开始,支付宝通过电脑转账已经进入了收费时代,同时,支付宝向商户收取0.6%手续费。相关人士认为,通过这个方式可以补贴支付宝本身需要向银行缴纳的费用。 进入【新浪财经股吧】讨论相关的主题文章: