Why was the US Mission reported again?

Let's first review the recent events of the US Mission: first, the incident in Huangqu, and finally, the dismissal of employees to calm the anger of netizens; Followed by the "halal" problem, the majority of netizens were surprised, hard to buckle the lavatory to the pig teammates, and online public opinion slowly subsided; A few days later, it was discovered that he was suspected of signing an exclusive overlord clause with the merchant and was fined 50+W.

Recently, a lawyer reported the US Mission. Com engages in the third-party payment and settlement business without a third-party payment license, which violates the Measures for the Administration of Payment Services of Non-financial Institutions and even constitutes the crime of illegal business operation. Lawyers have submitted public welfare reports to the central bank and the Economic Investigation Brigade of Haidian Branch of Beijing Public Security Bureau.

According to the Administrative Measures for Payment Services of Non-financial Institutions issued by Yangma 20 10, "If a non-financial institution provides payment services, it shall obtain a payment business license in accordance with the provisions of these Measures and become a payment institution. Without the approval of the People's Bank of China, no non-financial institution or individual may engage in or engage in payment business in disguise. "

In China, in principle, only banks have the license for payment and settlement, and payment business cannot be carried out without a license. However, after Alipay and other babies were born, they actually used an ordinary bank account of Alipay to play the clearing business of UnionPay, and it was successful. Mother watched her small group give birth to two babies, so she had to give them birth certificates, and the suffering began.

Caixin.com commented that "users buy services from merchants on Meituan, and the capital flow has always been' users-Meituan-merchants'. The judgment of third-party payment mainly depends on whether it plays the role of capital transfer between the two parties to the transaction, and the US Mission plays the role of third-party payment (the flow of funds). At the same time, Meituan "has the right to choose the balance of the account, and users can use the funds in the account to purchase services on Meituan's platform by binding the bank card, setting the payment password, recharging and withdrawing cash ... and there is capital precipitation on the book" (capital precipitation). Therefore, "the US group pays"

In addition to Caixin. com's belief that Meituan is suspected of operating the third-party payment business without a license, other keywords related to the third-party payment business of unlicensed camps in related online comments also include "collection and payment", that is, the platform plays the role of a fund transfer intermediary.

If verified, the US Mission may face administrative punishment.