央行發佈條碼支付新規 明確非銀支付機構要獲得許可
The People's Bank of China (PBOC) announced plans to regulate QR code payment to contain risks arising from the popular service.
日前，中國人民銀行公佈二維碼支付管理方案，以遏制這種流行服務產生的風險。Payment institutions must obtain proper permits to offer barcode-based payment services, according to a document released by the PBOC.
根據央行發佈的文件，支付機構提供條碼支付服務須獲得適當許可。Both banks and non-banking payment institutions must channel cross-bank transactions involving barcodes through the clearing system of the PBOC or other legal clearing houses.
銀行和非銀行支付機構開展涉及條碼支付的跨行交易時，均須通過人民銀行清算系統或其他合法清算機構處理。
The institutions should also enhance their security to prevent data breaches, according to the document.
該文件指出，這些機構也應提高其安全性以防數據泄露。
Paying through QR code is increasingly popular. By scanning QR codes at convenience stores, subway stations or street vendors, people can buy almost anything.
掃碼支付越來越受歡迎。人們在便利店、地鐵站或街頭小攤位上都可掃描二維碼，幾乎可以用來買任何東西。The number of China's mobile payment users has exceeded 520 million, according to Ant Financial, Internet company Alibaba's financial affiliate.
據互聯網公司阿里巴巴旗下金融子公司螞蟻金服的數據顯示，中國移動支付用戶已超過5.2億。But the growing popularity of the payment method has also brought concerns such as security issues and unfair market competition, the PBOC said in the document.
不過，央行在文件中表示，這種支付方式廣受歡迎的同時也帶來了安全隱患和不公平的市場競爭等問題。The central bank has always been seeking a delicate balance between encouraging innovation and controlling risks, and the new standards on barcode payment have reflected that principle, it said.
文件指出，央行一直都在鼓勵創新和控制風險之間尋求一種微妙的平衡，而對條形碼支付的新標準也反映了這一原則。The standards will be put into trial use from April this year.
這些規範將自今年4月起試行。
