The hottest personal online payment is up to 10000

2022-09-23
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Personal online payment can be up to 10000 yuan per day

four months after the release of the exposure draft of the new regulations on online payment, the central bank yesterday issued the measures for the administration of online payment business of non bank payment institutions (hereinafter referred to as the measures), which will be implemented from July 1, 2016. According to the new regulations, the management of network payment basically refers to the management of bank accounts, which are also divided into three types of accounts, with limits specified respectively. Compared with the exposure draft, the daily payment limit is conditionally increased from 5000 yuan to 10000 yuan. Four months after the release of the draft of the new regulations on online payment, the central bank yesterday issued the measures for the administration of online payment business of non bank payment institutions (hereinafter referred to as the measures), which will be implemented from July 1, 2016. According to the new regulations, the management of network payment basically refers to the management of bank accounts, which are also divided into three types of accounts, with limits specified respectively. Compared with the exposure draft, the daily payment limit is conditionally increased from 5000 yuan to 10000 yuan

the measures expand personal payment accounts into three categories. In terms of function, all three types of accounts can be consumed and transferred, but only type III accounts can be used for investment and wealth management; In terms of limit, the accumulative limit of class I account is 1000 yuan (similar to the zero wallet in Chinese), the annual accumulative limit of class II account is 100000 yuan, and the annual accumulative limit of class III account is 200000 yuan. The accumulative limit of the latter two does not include the amount withdrawn from the payment account to the bank account

the measures implement classified management on Payment institutions. Payment institutions that are rated as class A and whose real name proportion of class II and class III payment accounts exceeds 95% can appropriately increase the transaction limit. When digital certificates or electronic signatures are not used, the daily limit of class II and class III payment account balances that meet the management requirements of the real name system can be increased to 10000 yuan

if a payment institution that is rated as class B and whose real name proportion of class II and class III payment accounts exceeds 90% does not adopt digital certificates or electronic signatures, the daily limit of the balance of class II and class III payment accounts that meet the management requirements of the real name system can be increased to 7500 yuan

the central bank said that the annual cumulative limit and the single day cumulative limit are only for individual payment account balance payment transactions. Customers make bank clearance payments and bank card quick payments through payment institutions. The annual cumulative limit and single day cumulative limit are independently agreed by payment institutions, banks and customers who authorize different operation modules to different operators according to relevant regulations, and are not bound by the above limits

according to the interpretation of the measures, the main body of the payment account refers to the non banking institutions with optional micro printers, large deformation extensometers and other relevant auxiliary accessories that are approved to handle online payment business, such as Alipay, TenPay accounts, etc

insiders pointed out that for large payments of more than 10000 yuan, users can still choose bank payment or joint-stock bank quick payment with a high limit

there are two major changes in the measures

the comparison shows that the measures have major changes in two aspects compared with the previous exposure draft: first, it optimizes the classification of personal payment accounts, expanding from two categories to three categories; The second is to implement classified management of Payment institutions, and formulate differentiated supervision measures according to the classification and evaluation of Payment institutions and the implementation of the real name system of payment accounts

caihongbo, Secretary General of the China payment and clearing Association, said that the "measures" have been further adjusted compared with the exposure draft issued in July, introducing new ideas and measures of classified management and positive incentives. Implement differentiated supervision measures for different classification levels. 2. Inspect the torque shaft distortion and deformation measures to prevent the possible consequences of implementing one size fits all supervision in the payment industry with large differences. Here is a brief introduction to several common material unfairness applicable to this machine

caihongbo said that the regulatory authorities adhere to the principle of positive incentives and give fuller trust and stronger support to good children in Payment institutions. Payment institutions with high comprehensive evaluation and good account real name system have more regulatory flexibility and flexibility in terms of customer identity verification channels, payment account transfer functions, one-day transaction limits of payment accounts, quick payment verification methods of bank cards, personal seller management, etc., and can obtain more innovative support, so as to truly ensure that good children do not suffer losses

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