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央行銀監會聯合發文規范第三方支付 @ 2014-04-18T10: Back Hot News
Keyword:第三方支付 銀監
Concept:4月10日下發 , 銀監會央行10號文規范銀行與支付機構合作
財新網周四報道,中銀監和人行近日聯手下發《中國銀監會中國人民銀行關於加強商業銀行與第三方支付機構合作業務管理的通知》(下稱《10號文》),試圖規范銀行和第三方支付機構的合作。
工、農、中、建四大行率先點火下調第三方支付的快捷支付限額,銀監會和人行再接招背書,祭出10號文對第三方快捷支付層層把關,監管再升級。只不過對快捷支付控制和限制,目的不是對第三方支付不滿,而是對余額寶等的互聯網金融,抬高利率、吸引活期存款、削減商業銀行利潤的行為不滿。正是項莊舞劍,意在沛公。
《第一財經日報》引述知情人士稱,上述監管辦法將明確監管職責分工,初步分工是中銀監負責監管P2P行業,眾籌由證監監管,人行則負責第三方支付的監管,而對互聯網金融監管的總原則是「負面清單」的理念。

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