The topic of the two sessions is WeChat payment.
"This number has risen too fast in the near future. We didn’t expect (WeChat red envelope, WeChat transfer) to be so popular with users." Yesterday, Ma Huateng, deputy to the National People’s Congress and CEO of Tencent, bluntly did not expect the popularity of WeChat payment when responding to a reporter’s question about WeChat cash withdrawal fees.
The adjustment hopes to subsidize part of the cost.
He explained that every transaction based on WeChat payment, as long as it is deducted from the bank card, regardless of the amount, the bank will charge the transaction fee to WeChat payment. "In fact, everyone doesn’t know that the bank’s money leaves his system and enters the account paid by a third party. In fact, it is charged, and the handling fee for transfer is about one thousandth."
With the gradual increase in the number of users and transactions of WeChat payment, the cost pressure is also increasing. "I confess to you that this cost is now over 300 million a month, and the most frightening thing is that it is still growing at a high speed."
It is reported that the withdrawal rate charged by WeChat to users is 0.1%, while the handling fee that WeChat needs to pay to banks is higher than 0.1% on average. These costs have always been borne by WeChat Pay, and this adjustment also hopes to subsidize some huge costs.
ApplePay and WeChat Pay are two concepts.
In addition, after ApplePay entered the China market, whether it has an impact on WeChat payment has attracted much attention.
Ma Huateng explained that many people may confuse the concepts of ApplePay and mobile payment. "ApplePay is actually not a third-party payment, and there is no account. In fact, it is the embodiment of the Internet of the traditional Pos card swiping in the bank. That is to say, the process of swiping the card with the Pos machine is changed through the incoming communication, which is equivalent to a virtual card being put into the mobile phone. Just feel it." In his view, banks are also embracing the Internet. "I believe this is not a direct conflict, but to jointly make the cake in this market bigger. This is more important."
At this meeting, Ma Huateng, as the representative of Guangdong delegation to the National People’s Congress, brought five suggestions, including further promoting the implementation of the "internet plus" action plan, building China’s mobile Internet ecological security system, and using the Internet to promote the construction of a healthy China.
Probe into the participation of Internet in graded diagnosis and treatment system
Ma Huateng suggested that through practical and effective measures, various social forces, including the Internet and technology companies, should be encouraged to participate in the exploration of the graded diagnosis and treatment system in various places. "At present, the information between most hospitals in China is not smooth. Even if there is an internal information network between some hospitals in some areas, its openness is very limited, which causes all information to be almost completely cut off once the patient is not in the region or hospital." Ma Huateng believes that it is urgent for hospitals to realize the electronization of prescriptions and the availability of patients’ own electronic prescriptions. "The regulatory authorities can establish supporting policies and regulations. On the basis of improving the patient’s personal information protection mechanism, a third-party company that meets the requirements and is designated by individual residents will establish a system to store information and improve the personal electronic health record system."
In addition, in the face of the constant transformation and escalation of new cyber crimes, Ma Huateng believes that telecom operators should ban illegal operation projects such as network rebranding telephones, strengthen the crackdown on pseudo base stations and line inspection in key areas, clean up the second-hand 4G card trading market, and implement mobile phone card real-name registration system. (Text/reporter Gui Tiantian Photography/reporter Hao Wei)