10月31日，央行官网更新了非银行支付机构重大事项变更许可信息公示。此前市场流传的多张支付牌照 的消息，终于有了答案。 随着央行批复的正式公布，多张支付牌照的归宿最终落定。新生支付被同程旅行收入囊中，甬易支付由 正凯集团拿下。 同程旅行此前已在网络小贷、消费金融、保险代理等领域有所布局，收购新生支付将进一步弥补其牌照 方面的空缺。知情人士告诉《每日经济新闻》记者，新生支付是海南省唯一一家全牌照支付法人机构， 随着未来海南自贸港封关，该牌照区位优势可能进一步显现。 而甬易支付的收购方——正凯集团，是民营企业500强，专注于全球PET（涤纶树脂或聚酯）与纺织两 大产业。数年前，B站（哔哩哔哩）通过竞价拍卖获得甬易支付65.5%股权，但最终未如愿将这一第三 方支付牌照收入囊中。 多张支付牌照归宿落定 其一，央行同意新生支付主要股东由海航云付科技有限公司变更为艺龙网信息技术（北京）有限公司 （以下简称"艺龙网"），实际控制人由海南海航二号信管服务有限公司（以下简称"海航信管"）变更为 同程旅行，董事长兼总经理由杨敏变更为邱晓红、监事由文硕变更为王洁明、财务管理部总经理由杨伊 变更为季林林，注册资本由1亿元增至3.3亿 ...

Core Viewpoint - The article discusses the integration of lending services within WeChat, particularly focusing on the "Tongcheng Yirong" product by Tongcheng Travel, which leverages WeChat's massive user base for consumer loans. Group 1: User Experience and Accessibility - Accessing the "Fenfu" product under Tencent's payment service requires four clicks within WeChat [1][2] - The process to obtain a credit limit for "Fenfu" involves multiple steps including face recognition and agreement to terms [3] - Despite the complexity of uploading identification, the integration within WeChat provides a superior user experience compared to other products [5][6] Group 2: Market Position and User Base - Tongcheng Travel's lending service is prominently featured in WeChat's service section, with a fixed entry point that attracts significant user attention [11][12] - WeChat's combined monthly active accounts reached 1.402 billion, with over 1 billion users in mainland China likely to see the lending service [16] - In Q1 2023, Tongcheng Travel reported an average of 238 million monthly active users from WeChat, contributing to 83.3% of its active user base [16][17] Group 3: Lending Products and Partnerships - "Tongcheng Yirong" offers various loan products, including a personal consumption loan with a maximum limit of 300,000 yuan, in collaboration with multiple licensed financial institutions [20] - The service also includes car and house equity loans, with the latter offering up to 30 million yuan at an annual interest rate starting from 2.8% [25] - The partnerships for these loans involve several financing and leasing companies, indicating a broader network for loan distribution [22][30] Group 4: Business Model and Strategy - The lending service operates on a low-cost user acquisition model, utilizing WeChat's inherent traffic without significant marketing expenses [18][19] - The structure of "Tongcheng Yirong" suggests a focus on light operational models, primarily directing traffic to other financial products rather than heavy capital investment [35][36] - The integration within WeChat allows for a unique competitive advantage in customer acquisition compared to other lending platforms [37]