Some Small And Medium-Sized Sellers "Run" Alipay

Cash withdrawal

And understand the trend of funds.

However, there are not many sellers responding to attacks, only about five thousand people, and the duration is relatively short.

The two sides say the opposite is tit for tat

On the evening of 21, Alipay issued an official statement saying that the crowd who besieged Taobao mall had attacked Alipay and launched a malicious "run" by raising rumors and provocative users.

Rumor provocators disrupt the financial order and are suspected of serious violations.

Customer funds are as safe as ever, and user withdrawals are all normal.

Subsequently, the seller issued a statement on the 34158 channel, saying that Alipay's "activities" on the 21 day is a test of Alipay capability. All consumers and sellers are self organizing and resource withdrawals, which belong to the legal category.

The statement on channel 34158 indicates that the seller's behavior is to deal with his personal property in accordance with the law, which is entirely the legitimate rights and interests of the seller.

Malicious runs, "rumor provocators disrupt the financial order" and "suspected serious violations" are purely against us.

Alipay official statement

Rumor provocators disrupt the financial order and are suspected of serious violations.

All customers have been entrusted to the ICBC trusteeship, and accept the supervision of the central bank.

Seller organization 34158 channel statement

The seller's behavior is to deal with his personal property in accordance with the law, which belongs to the seller's legitimate rights and interests.

As a registered private limited liability company in China, Alipay is different from ordinary commercial banks.

Never pparent operation and publicity of customer funds itself infringes the right to know the customers who deposit funds to Alipay accounts and businesses.

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Sellers say that Alipay, as a private limited liability company registered in China, is different from ordinary commercial banks. There is no guarantee from relevant government departments and related institutions.

Although Alipay has always claimed to implement its own funds and customer capital account separation, management separation and other measures, but never to customer funds pparency operation and publicity, itself violated the funds to Alipay account consumers and the majority of merchants right to know.

Alipay has said that all customers have been entrusted with the trust of ICBC, and has been supervised by the central bank.

Payment of the property of the non payment institution

At present, the scale of the third party payment has exceeded one trillion yuan.

However, the regulation on the provision is still in a vacuum.

Last year, the central bank promulgated the "non-financial institutions payment services management" requirements, payment agencies receive customer payment, should be opened in the commercial bank deposit reserve accounts.

Moreover, Payment institutions can only choose a commercial bank as a deposit reserve bank.

Although the "method" is clear that the third party payment institutions accept the customer payment is not the property of the payment institution, but the income and disposal of the "precipitation fund" is still vague.

Link Taobao loan was questioned

"Taobao has accumulated a total of 8 billion yuan of loans for sellers, far exceeding the registered capital of the loan issuer Alibaba small loan company. The monthly interest rate is 1.8% higher than that of usury."

Recently, a domestic media questioned Taobao's loan service.

Ali financial response said that all sources of loan funds are in line with the relevant provisions.

Taobao loan service currently operates two loan products: Taobao credit and Taobao order loan.

According to the report, there are two Alibaba microfinance companies, each with a registered capital of 200 million yuan. "The registered capital is not enough to support the demand for Taobao loans."

The report also suggested that some sellers besieged the Taobao mall questioned the seller's freeze on Alipay's deposit and was used as a loan fund by Taobao.

Statistics show that Taobao loans are provided by Zhejiang microfinance Limited by Share Ltd and Chongqing micro credit Limited by Share Ltd, which has nothing to do with Alipay.

Ali financial side also said: "the operation funds of Taobao loans have nothing to do with Alipay, which is rumored outside.

In addition, according to the relevant state policies, Ali finance does not allow and never deposits deposits and misappropriates Alipay customer deposits to the public.

Link: "precipitation fund"

After the payment is made, the funds are entered into the account of Alipay. Only after confirmation of payment will the money be entered into the seller's account.

In the middle of these days, these funds have become "precipitating funds", also known as reserve funds.