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央行明确客户备付金集中存管

来源:互联网   2017-02-10 09:52:47   
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  我国央行近日宣布,将最终禁止包括支付宝在内的所有非银行支付机构使用客户资金。

  作为第一步,4月17日起,获得央行牌照的国内所有267家第三方机构须将客户备付金按20%左右的比例交存至指定银行账户。

  越来越多的机构被发现非法挪用资金而造成金融危机,这是央行为应对此类危机而采取的最新举措。

  客户备付金指第三方机构所持有的、不属于该机构自有财产的资金。

  各支付机构交存客户备付金的具体数目根据上季度客户备付金日均余额计算得出,之后每季度调整一次。

  央行支付结算司司长谢众表示,20%的比例旨在给支付机构留时间适应新规,最终比例将达100%,这意味着央行将成为唯一的备付金管理机构。

  不过,谢众并没有给出一个调整至该比例的具体的时间表。

  【参考译文】

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

  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.

  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.

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

  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.

  "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.

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

[编辑:lianghong]
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