网络支付“征求意见稿”被称“史上最严” 业内人士直呼“玩不下去”

China e-finance: New rules hit third-party payment companies and P2P firms

7月31日，央行一纸公文在网络上刷屏，成了震动互联网支付行业的深水炸弹。这份名为《非银行支付机构网络支付业务管理办法》的征求意见稿（以下简称《意见稿》）之所以一石激起千层浪，是因为其对于网络支付领域的安全规范被坊间惊呼为“史上最严”。

PBOC issued drat rules on third-party payments, limiting payment by virtual account balance of up to RMB5,000 per day and RMB200,000 a year. Many P2P platforms have been using thirdparty payment virtual accounts for cash management services for the large amount of transactions with many dif erent lenders. he new rules aim to reduce idle cash sitting with payment companies and direct them back to focus on technology and payment channel services. Small P2P platforms may find it hard to find bank partners, as banks are very cautious of the higher risk profile with P2P lending.