201607080200[冬季嚴選] 熱賣側穿孔繫帶無袖上衣 - 271570





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-1精選優惠

下面附上一則新聞讓大家了解時事

中國大陸將在7月1日實施「網路支付帳戶實名制」,不過,大陸第三方支付機構「支付寶」已先要求全球用戶先行在520前就要進行認證,否則在升級過程中,可能面臨餘額被凍結或消失的風險。學者今天(18日)指出,這是大陸金融科技野蠻發展失控的結果,因此踩煞車,先走回頭路,也顯示大陸金融監理的不夠完善。

中國人民銀行去年12月發布「非銀行支付機構網絡支付業務管理辦法」,要求從今年7月1日開始,對個人網絡支付帳戶全面實施「實名制」,也就是必須和個人信用卡連結。大陸購物網站淘寶網也發布公告,近期並發送郵件、信息,提醒港、澳、台等地用戶,必須在5月20日零點之前,將支付寶帳戶內餘額用完,否則可能在淘寶網系統升級的過程中,面臨支付寶餘額被凍結或消失的風險。

儘管台灣金管會強調,目前已經有台灣國內的銀行為淘寶網旗下支付寶提供金流服務,台灣民眾不受影響,但大陸此舉仍引發民眾憂慮。中正大學財經法律學系教授王志誠18日在出席一場學術研討會上指出,大陸金融科技近年來呈現野蠻性發展,但金融監理卻沒有跟上,因此大陸只好走回頭路補救。王志誠說:『(原音)支付寶限定在5月底前,要把錢用掉,或是轉出去,因為它要採實名制了,它再不採實名制,未來的問題經典會更大,因為失控了,所以他們要走回頭路,走回頭路的成本肯定更高。』

台灣目前也正推動電子支付帳戶實名制,王志誠也認為,很慶幸台灣在電子票證、第三方支付以及P2P個人的線上借貸,採一步一步走,並試著完善規範。他也表示,美國最大的P2P網路借貸Lending Club,這幾天傳出執行長涉及詐騙被調查,因此台灣在發展P2P的同時,金流管控最好透過第三方機構,才能有效監督管理。





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