央行明確客戶備付金集中存管

China's central bank has announced that it will eventually ban all non-bank payment agencies, including Alipay, from access to clients' money.

我國央行近日宣佈，將最終禁止包括支付寶在內的所有非銀行支付機構使用客戶資金。

As a first step, starting from April 17, a total of 267 third-party organizations with central bank licenses in China will have to submit about 20% of customer provisions, or funds, to appointed bank accounts.

作爲第一步，4月17日起，獲得央行牌照的國內所有267家第三方機構須將客戶備付金按20%左右的比例交存至指定銀行賬戶。

The move is the latest step taken by the central bank to tackle the financial risks caused by a rising number of institutions found illegally embezzling the money.

越來越多的機構被發現非法挪用資金而造成金融危機，這是央行爲應對此類危機而採取的最新舉措。

Customer provisions is the money held by third-party organizations that are not the property of the organization.

客戶備付金指第三方機構所持有的、不屬於該機構自有財產的資金。

The exact amount handed in by each institution will be calculated based on the daily average balance of the provisions in the previous quarter, and will be adjusted quarterly thereafter.

各支付機構交存客戶備付金的具體數目根據上季度客戶備付金日均餘額計算得出，之後每季度調整一次。

"The 20% level aims to leave time for institutions to adapt to the new rules," Xie Zhong, head of the central bank's payment and settlement department, said. "The final level will be 100%," meaning that the central bank will be the only authority governing the provisions.

央行支付結算司司長謝衆表示，20%的比例旨在給支付機構留時間適應新規，最終比例將達100%，這意味着央行將成爲唯一的備付金管理機構。

Xie did not provide a specific timeline for adjusting the level.

不過，謝衆並沒有給出一個調整至該比例的具體的時間表。