A few days ago, the National Development and Reform Commission issued the Notice on improving the pricing mechanism of bank card swiping fees, which will be implemented from September 6, 2016. The reporter learned that the reduction of credit card handling fee is a great benefit to Rong jewelry retail industry. Since gold jewelry is a valuable item, the single credit card amount is relatively large, and Rong gold store will also benefit from the reduction of handling fee. & shy; Gold jewelry card & shy; Handling fees decrease year by year & shy; Although it is still a few months before the formal implementation of the new regulations, market participants have seen a lot of benefits from the new regulations. The notice clearly pointed out: cancel the Industry Classification, implement the separation of loans and loans, reduce the service fee level of the issuing bank, the debit card rate does not exceed the transaction amount 0.35%, and the credit card rate does not exceed 0.45%. & shy; “gold jewelry retail industry is sensitive to credit card handling fees. Because gold jewelry is all valuable items, the single consumption amount is large. Previously, gold stores questioned that the credit card handling fees are not capped, but now the credit card handling fee has been greatly reduced, and many gold stores have even reduced the credit card handling fee to zero.” According to a person from Fujian Gemstone Association, before 2013, the store sold 1000 yuan of gold jewelry (cash collection), and the gross profit was generally 50 yuan; If consumers used credit cards to settle accounts, the handling fee is as high as 20 yuan (the handling fee is 2% and there is no ceiling), that is to say, the credit card handling fee accounts for 40% of the gross profit of the gold store. & shy; “Sorry, POS machine is broken, please pay cash.” A few years ago, in some gold shops, such excuses were no stranger to most people. The reporter learned that due to the high credit card handling fee, some Rong gold stores declined consumers’ credit cards for various reasons, and some gold stores even refused to install POS machines. & shy; In view of this situation, Fujian Gemstone Association has requested relevant departments to adjust the credit card gold and silver jewelry deduction rate. In 2008, Fujian jewelry retail industry won UnionPay and bank POS machine rates from 2% to 1% (capped 80 yuan). According to rough statistics from people in the industry, this saves the POS machine handling fee of nearly 10 million yuan for the industry throughout the year. & shy; In 2013, the National Development and Reform Commission reduced the POS machine rate for the first time nationwide, that is, from 2% to in 2013. In March 18 this year, the National Development and Reform Commission reduced the rate level of POS machine credit card transaction jewelry industry to no more than 0.45% of the transaction amount, and the debit card rate did not exceed 0.35% of the transaction amount. & shy; Card consumption in Rongjin store & shy; It is difficult to see the “code set” phenomenon & shy; Yesterday, the reporter visited many gold stores in the city and learned that at present, all gold stores are equipped with POS machines, and all of them are welcome to pay by credit card. “At present, about 60% of the gold stores in our province have cooperated with local banks. Now they consume gold jewelry in these gold stores, and the credit card handling fee has been reduced to zero.” Yesterday, a relevant person from Fujian Bao Association told reporters that in order to save the credit card handling fee, some small and medium-sized gold stores in Rong often require consumers to pay in cash or set the minimum amount of credit card consumption artificially, let consumers encounter the embarrassing situation of “having cards can’t be brushed. Now the credit card handling fee has decreased year by year, and merchants and consumers can benefit. & shy; The reporter learned that the merchants who installed POS machines spread all walks of life, and the handling fees charged by different industries in the use of POS machines were also different. Sometimes the difference between the highest and lowest handling fees in different industries is 3 times. The rate of credit card handling fees for precious jewelry, jewelry and watches retail is relatively high. Previously, some gold stores used “sets of codes” in violation of regulations. However, it is hard to see this phenomenon after the credit card handling fees have dropped sharply and the industry classification has been canceled. & shy; Industry insiders said that the credit card handling fee is directly charged to merchants and does not involve charging consumers. On the surface, the reduction of the handling fee has no impact on consumers. But in fact, consumers can also get benefits from it. After the handling fee is lowered, industries such as Jindian will benefit greatly, which will benefit consumers to a certain extent and will also enable consumers to obtain a better credit card consumption experience. (Fuzhou Evening News reporter Li Yonghua)