Recently, the China Payment and Clearing Association issued an announcement stating that starting from March, personal payment codes can continue to be used, will not be deactivated, will not be closed, and the functions will remain unchanged.

In addition, individuals can also voluntarily upgrade their personal collection code to a personal business collection code. After the upgrade, the original services will not be reduced, the experience will remain unchanged, and you can also enjoy more efficient transaction pairs. Accounting and other services.

Why do you want to upgrade to a self-employed payment code?

On the one hand, the personal business payment code can be used by individuals who have not registered with the industrial and commercial registration, so that they can obtain more accurate and convenient high-quality payment services. For example, personal business payment codes can accept credit card payments, and can also obtain value-added services such as account management, transaction reconciliation, and specific marketing.

On the other hand, personal business collection codes can also better prevent and control transaction risks, ensure the safety of funds, and protect rights better and faster in the event of a dispute.

Regarding the upgrade of personal collection codes to personal business collection codes, sometimes it is said that the upgrade is mandatory, and sometimes it is said that the upgrade is voluntary. What problems does this reflect? I would like to make two points about this.

First, any regulation related to people’s livelihood must be implemented softly.

Just like the central bank said before, personal information must be registered for deposits and withdrawals exceeding 50,000 yuan, but now it is said that there is no need to register personal information. Now comes the question of whether to upgrade the personal payment code. In fact, these two regulations are related to the basic interests of the people.

Therefore, the formulation and implementation of a system cannot be forced, especially policies involving people's livelihood issues. Even if the country wants to standardize everyone's business behavior, it must proceed slowly and cannot achieve it in one step, otherwise it will only be counterproductive.

Furthermore, if the formulation of a system cannot achieve a perfect transition, it will inevitably lead to the loss of users and market losses. Especially for some private enterprises, how can they easily lose the market they finally regained? Rather than giving up profits, we must maintain the market. This is something private enterprises have to do.

Second, the purpose of investigating tax evasion is not to target the people at the bottom.

Some people say that this person’s payment code upgrade is actually to standardize the market operation order and check everyone’s tax evasion behavior. It makes sense if everyone thinks this way. But the ultimate goal of upgrading the personal payment code is really not this. It is true to standardize the order of market operations, but it is false to investigate tax evasion and tax evasion by everyone.

Just imagine, most of the recipients using personal payment codes are grassroots operators. Many people are running around for three meals a day. Not to mention tax evasion, even if they want to pay taxes, they often Still not up to standard?

Some netizens also said that first check all the entertainment stars, Internet celebrities, and all the companies in operation. You can get whatever you want, and then check the taxes of the people at the bottom. Aren't you using a cannon to kill mosquitoes?

In fact, the country is now building a universally wealthy society. For those with low incomes, not to mention tax evasion, their tax country has to adopt a policy of reducing or exempting subsidies, so how can they check their taxes? One word?

Therefore, the upgrade of personal payment codes is purely to standardize market operations. The non-upgrade is also for everyone's convenience and will not affect the fundamental interests of the people. All other conjectures are groundless.