On July 31, the Central Bank official in the brush on the network screen, depth charges shook the Internet industry. The network paid for the non-banking institutions cover the operational management of the draft (hereinafter referred to as the draft Protocol) is a stone arouses thousand waves, because of its Internet payment security specifications are there exclamations as "history".
Many media reports have said that regulators "design" is proposed through the payment of quotas, scope of business, and a number of provisions, which aimed to steer the paying agent "to the Bank", to return to "micro-payments" and "passage" in nature. Media visited a number of Internet payment company, Notes user account validation, balances, limits, and many other controversial articles, and even practitioners called "play".
Online payments giants, PayPal and Tencent have responded. Alipay official said, represented by third party payment of Internet banking, is in the Central Bank and the supervision departments at all levels of attention and support in the development. A healthy development of the industry needs regulation, and constantly open and progressive and forward-looking supervision, promoting the healthy development of the industry. Tencent group Internet financial public relations Center said Tencent's business team and recently the Central Bank maintain close communication, formal management approach was built to make suggestions, to innovate, improve convenience, jointly promote the payments industry.
One-day limit as "Bull's eye"
"Too few can pay 5000 Yuan in a single day, can't even buy a high-end electronic products the online", "have a transaction limit, I no longer have to ' chop '" ... ... The network, on the payment referred to in the draft limit finger refers to the bull's eye.
It is reported that the draft of comprehensive classes, consumer payment account provides a total of 200,000 yuan and 100,000 yuan respectively limits, payment instructions for different levels of security authentication mode is set to one-day payment of not more than 5000, 1000 limit.
China paid liquidation Association related head public response Shi stressed, above restrictive provides only applies Yu consumers paid account within of funds buckle paragraph, on those using shortcut paid and gateway paid of consumers basic no effect, and said very small beyond above annual and one-day payment limit of customer, can select paid institutions provides of jump Bank gateway or shortcut paid way, with I of bank card (bank account) completed foreign payment.
However, the Internet industry has always provided the user experience, mobile payment has become a trend, and cumbersome payment process is still a target. According to ping an Bank data provided by the research team in 2014, third party online payment 8 trillion yuan, an increase of 50%, mobile pay 6 trillion, an increase of 390% increase considerably more than online payments. Home Airbnb s ambitions in China crisis and killer
"Although central banks discussed the gateway on the PC side payment processes instead of barely viable, but third-party mobile payment potential rival with the Internet and the so-called gateway + electronic certificates of payment, no limit, mobile application currently does not have any. "Such team said.
But for banks to limit policy, there are insiders believe makes sense. "The objective of the draft to help protect the safety of customers funds because of funds recorded in account balance represents the equivalent of ' advance ' is not protected by the deposit insurance regulations. "IResearch analyst Li Chao explained that" in recent years, third-party payment account settling incidents of theft, misappropriation of funds. The draft for the third-party payment limit, avoiding risks to a certain extent. "
Analysys think-tank, Ma Tao, senior analyst, in a media interview said: "last year, the Central Bank also introduced the draft, more strict than this year's, provides daily payment amount is 1000 Yuan last year. Now the third party payment institutions are in and Bank of communications, the future will relax the unknown. "YeePay CEO analysis on Tang bin told reporters, the Central Bank may be combined with the mass reflects, raise the limit.
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