Central Bank: Third Party Payment Transfer Account Will Consider Consumer Opinion.

Q: the Internet circulated. Management method of payment network payment business Is it the final manuscript and when will the final version come out?

Answer: This is a consensus of the central bank and the industry for the formulation of special management methods for the online payment business. The central bank's relevant bureaus have been discussing with the industry for 3 years.

At present, there is a further consensus on the division of account functions and the implementation of quota management. However, there are differences between the organizations in the industry only in terms of how to divide the functions and specify the setting of specific quotas, and further communication and argumentation are needed. network

The upper reaches of the "payment agency" Network payment The business management method (Draft for Soliciting Comments) is a recent working paper on "point to point" communication between the central bank and some Payment institutions. To be sure, the focus of this approach is not on specific quotas, but on risk control in business and process.

The "non-financial institutions' payment service management measures" issued in 2010, that is, the 2 order issued by the industry, was released after a long period of interaction. Many of the 2 orders were finalized in the process of interaction.

For example, for example, whether consumers pay interest in advance payment of Payment institutions, the payment institution does not think that interest should be paid. But because of the public interest, we must also solicit opinions from the public. The result is that the majority of the participants in the discussion have no definite requirements for interest bearing.

In view of this, whether the 2 order should pay consumers to the payment institutions? Advance charge Interest rates do not make rigid rules. This will not only promote the development of Payment institutions, but also respect the choice and protection of rights and interests of financial consumers.

The draft is currently at the stage of discussion in the small scale of the central bank's functional departments and agencies. The limit criteria proposed in this paper are simply the preliminary comments that have been put forward in the light of the main payment institutions' network payment pen transactions in recent years and the anti money laundering requirements. For the major issues involved in the draft, we need to solicit the views of the public.

Internet finance is for the public. We believe that communication with the public and communication with the Internet Payment institutions are equally important and even more important. The central bank will also widely solicit public opinions on the basis of consensus with the payment agencies. If consumers think that the account function and the specific amount are unreasonable, they should be amended accordingly.

In short, the network payment management method will seek the "greatest common divisor" among regulatory authorities, Payment institutions and consumers, and will eventually be promulgated on the basis of consensus reached.