Research On The Analysis And Improvement Of The Payment And Settlement Process Of M E-commerce Companies Under The Background Of Strengthening Capital Supervision

With the continuous development of the e-commerce industry,the market competition has become more and more fierce.Some e-commerce platforms that do not have the "Payment Business License" are suspected of violating the rules of "Second Clear","Direct Connection" and "Fund Pool" in the course of operation.Gradually emerged.With the expansion of the scale of such businesses engaged in the unlicensed payment and clearing business e-commerce platform,the hidden funds and information risks will become increasingly prominent,which will also bring greater uncertainty to the development of e-commerce enterprises.The steady development of the e-commerce industry.In the context of the current tightly regulated bill payment and settlement business,this paper takes M e-commerce enterprise as an example,and studies the actual demand situation of M e-commerce enterprises in the operation of payment and clearing business from the perspective of state-owned bank acquirers.Propose feasible plans and recommendations.First,the issue of payment clearing compliance,according to the latest requirements and management regulations of the People’s Bank of China,optimize the clearing mode to ensure that the M-commerce enterprise jurisdiction platform clearing business is reasonable,legal and compliant;the second is to optimize the payment method and improve the stationing Business and customer experience,to achieve a "single access,comprehensive access" aggregation payment service model,for M e-commerce companies and settled merchants to provide a convenient and secure collection(payment)experience;third,according to the e-commerce company’s clearing process To create a smart clearing platform for e-commerce enterprises,to ensure that e-commerce companies clear the flow of funds and information flow,and at the same time solve the problem of inconsistency between the account name and the invoice opening account name;the fourth is through the online wisdom clearing platform and offline Intelligent integrated POS,to create a new online and offline payment service,operation and maintenance mode foroffline merchants,“willing,satisfied and willing”,relying on improving financial services to improve the enthusiasm of merchants...