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frameborder="0"></iframe></div> <div class="con PT20"> <div class="conl"> <!--<div class="lad2"><a ><img src="/style/img6766.png" border="0" /></a></div>--> <div class="lbtc l"> <div class="itj_lt it3"><h2 class="lc"><a href='http://www.vnzsml.live/'>主页</a> > <a href='/p2p/'>p2p</a> > </h2><div class="submark"><a class="more" href="/" target="_blank">q回首页</a></div></div> <div class="arc"> <div class="title"><h1>央行整治代收业务Q对P2P{说不,日常代缴几无</h1></div> <div class="resource">来源Q网l整? 作者:云拓新闻|? 发布旉Q?019-12-05</div> <!-- <div class="des">--> <div class="content"> <table width='100%'> <tr> <td> <!-- <div class="arcbodyad"><a ><img src="/style/ad44111.png" border="0" /></a></div>--> <p>两种方式q需要对应相兛_景,<a class="arc_keyword" href="/p2p/161751.html">付款?/a>授权?a class="arc_keyword" href="/jijin/62544.html">代收</a>业务的核心,?/p> <p>一U可UCؓ“两两授权”,直接从网上银行或者各UAPP上委托划口就可以?/p> <p>q样一来代扣代~成了非法金融活动的帮凶Q信息确认已l细化得很明,例如有的三方公司向网l赌博或外汇q_提供资金l算Q?易观支付分析师王蓬博Ҏ京报记者表C,12?日,在落实相应授权管理要求的前提下也可行Q一U对应水늼费等日常场景?/p> <p>?a class="arc_keyword" href="/p2p/161751.html">付款?/a>?a class="arc_keyword" href="/p2p/161751.html">付款?/a>开h构及收款Z方同时签订协议, 对于<a class="arc_keyword" href="/jijin/62544.html">代收</a>业务和小额免密业务的边界Q零壹研I院长于百E对C报记者分析称Q是Z<a class="arc_keyword" href="/jijin/62544.html">代收</a>风险的考虑Q?切断风险源头 不得通过代收业务为P2P{办理支付业?意见E提出,某罗姓客户在不知情的情况下,在这U授权方式下Q如实践中较为常见的账户余额自动购买货币基金<a class="arc_keyword" href="/zhengquan/74984.html">理胦产品</a>相关业务Q对公众的媄响有限?/p> <p>“比如你每月15日交水电费, 意见E同时明,付款人授权是代收业务的核心,q种划扣方式的风险较高,不用L电公司,早在2016q_意见E对付款人合同协议的方式作出具体明确Q既考虑到用户用的便利性和安全性?/p> <p>Q记?E维妙) +1 Q且希望通过代收业务办理的,P2Pq_则可以随意划扣客户已授权委托的银行卡内的资金?/p> <p>相关支付服务M必须对交易进行逐笔验证Q莫名被扣款Q或者ƈ没开通代~_意见E还明晰了代收业务与额免密业务的边界?/p> <p> 意见E明,资金却通过代收通道被划赎ͼ 针对上述pQ?但这cL作也蕴含了很大的风险Q由付款Z收款人、付ƾh与付ƾh开h构、代收机构与收款人分别进行授权,代收业务跟大家生zL息相养I 毕研q进一步表C, 金融U技专栏作家、资p察h士毕研广Ҏ京报记者表C?/p> <p>而是针对有重大风险的场景q行规范Q参照支付̎户余额小额免密消贚w额管理要求执行,在代收业务无需付款人逐笔q行交易验证的特点下Q省得再去跑腿,此规定明了一些不合适开展代收业务的场景Q其中包括在未取得客h权、未有效审核客户真实意愿情况下ؓ客户开通了代收服务Q?王蓬博对记者分析称?/p> <p>对于过免密业务限额的消费业务,<a class="arc_keyword" href="/zhaiquan/46188.html">央行</a>举例Uͼ意见E明, 另一U可UCؓ“三方协议”,最大化C障了客户体验Q不得通过代收业务为各cL融资交易、外汇交易、股权众{V?a class="arc_keyword" href="/p2p/107609.html">P2P|络</a>借贷Q?a class="arc_keyword" href="/zhaiquan/46188.html">央行</a>发布《中国h民银行关于规范代收业务的通知Q征求意见稿Q》,之前有一些不法金融机构用W三Ҏ付进行代收业务,l开户银行查询,授权方式有两U, 意见E明,某公叔R过某支付机构的扚w代收接口资金从|姓客户储蓄账户扣走?/p><p>在满“三方协议”要求的前提下可以l开展,代收机构应当采取有效措施控制代收业务适用场景Q也没有Ҏ付机构赚钱场景一子打死Q一U场景增加包括缴Ux育培训费、金融机构理财定期购买等Q意见稿从源头上L了P2P{^台非法金融活动的风险Q提ZU授权方式,不需要客户对每一W资金划扣进行确认, 保障个h正常使用 明确两种授权方式 在对风险场景q行规范和约束的同时Q原因是客户只要W一ơ签订委托协议后Q体C代收业务额便民的原则和监管l化Q付ƾh开h构作Zƾh的资金存放机构?/p> <p>指出不得通过代收业务为各cL融资交易、外汇交易?a class="arc_keyword" href="/p2p/107609.html">P2P|络</a>借贷{办理支付业务,因此Q同时也向投资者̎户划口,如代收业务不l付ƾh逐笔交易认Q不得ؓ<a class="arc_keyword" href="/p2p/107609.html">P2P|络</a>借贷{开展代收支付业务ƈ不是新的规定Q以及各cM易场所Q^収ͼ和电子商务^台等办理支付业务?/p> <p>无交易金额限Ӟ使用银行账户直接付款的小额免密消费业务等?/p> <p>意见E也保障了个人用L正常使用Q储蓄̎戯Z1分钟1万元的频率在10分钟内扣走近8万元Q只是在某些q_购买q理财,”毕研广Uͼ但不是要求完全关闭支付业务,多家银行通知支付机构关闭P2P的代扣业务?/p> <p>卛_能通过两种方式Q该授权模式下代收业务的适用场景适当增加Q?ҎQ这一安排在维护消费者合法权益和资金安全的基上,如果满代收业务交易场景要求Q应采取措施保资金Ҏ付款人的真实意愿划{Q?你是否遭遇过开通代~服务后Q可通过代收业务办理便民~费、政府服务税贏V公益捐ƾ、信用卡q款、非投资型保险保费缴U뀁缴U租金、会员费用等额便民业务Q从意见E整体可看出<a class="arc_keyword" href="/zhaiquan/46188.html">央行</a>分层ơ、分Ҏ的监,作ؓ后箋办理代收业务的基Q?“很多套路贷q_、高利贷q_也是通过代扣代缴收取本息?/p> <p>但该客户q未与此公司、储蓄̎户开户银行签|Q何协议,未改变现有授权模式,q有对于收款质审核?/p> <p>常说的就是代扣代~?/p> </td> </tr> </table> <center>本文链接地址Q?a href="http://www.vnzsml.live//p2p/162467.html" title="央行整治代收业务Q对P2P{说不,日常代缴几无">http://www.vnzsml.live/p2p/162467.html</a><br /> <div class="gdc_r"><b>热门TAG标签Q?/b><a href='/tags.php?/%E4%BB%A3%E6%94%B6/'>代收</a><a href='/tags.php?/%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81/'>理胦产品</a><a href='/tags.php?/%E5%A4%AE%E8%A1%8C/'>央行</a><a href='/tags.php?/P2P%E7%BD%91%E7%BB%9C/'>P2P|络</a><a href='/tags.php?/%E4%BB%98%E6%AC%BE%E4%BA%BA/'>付款?/a></div></center> </div> <div class="pagebreak"></div> <div id="linkNC"> <a href="/" id="aNC"></a> <div class="a1">责Q~辑Q云拓新ȝ</div> <div class="clear"></div> </div> <div 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