央行發佈支付新規 微信紅包過千元需認證
The People's Bank of China (PBOC) said on Monday that it would tighten the regulations on non-banking online payment platforms, to curb risks like financial fraud and money laundering.
中國人民銀行28日表示，將加強對非銀行支付機構網絡支付業務的管理，旨在遏制金融詐騙、洗錢等風險。The PBOC has asked users of such services to open online payment accounts with their real names and has imposed a cap on maximum yearly payments through such platforms at 200,000 yuan ($30,910). The new regulation will take effect since July 1, 2016.
中國人民銀行已要求相關用戶實名制開戶，並規定相關的年累計支付限額爲20萬元（約合美金30910元）。新規自2016年7月1日起實施。The regulator said that non-banking online payment platforms cannot directly provide financial services like lending, securities investment and insurance.
監管機構表示，非銀行網上支付平臺不能直接提供像貸款、證券投資和保險等金融服務。
"The basic function of these platforms is to facilitate the development of e-commerce", said Xie Zhong, director of the PBOC payment and settlement department.
中國人民銀行支付結算部主任謝衆表示：“這些平臺的基本功能是促進電子商務的發展。”The country's Internet giants Alibaba and Tencent, which have online payment services, both issued statements on Monday that they support the new PBOC rules as it will ensure the safety of users' financial assets.
我國互聯網行業的兩大巨頭，阿里巴巴和騰訊，都提供了網上支付的服務。兩家公司也都於週一發佈聲明，表示支持中國人民銀行的新規定，因爲這樣能確保用戶金融資產的安全。According to the new policy, for example, each account on WeChat can transfer at most 1,000 yuan through the "Lucky Money" function. If more money needs to be transferred, the users must provide three to five ways to verify identity, including bank accounts, driving license and social security ID.
根據新政策，每個微信賬戶通過微信紅包轉賬的金額累計不能超過1000元。如果還需繼續轉賬，用戶須通過3至5個渠道驗證身份，比如銀行賬戶、駕照、社保號等。
