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32px; text-align: justify; background-color: rgb(255, 255, 255);">最近幾個月，您用微信“零錢”、支付寶“余額”發(fā)紅包、轉賬、打車付款、超市結賬的話，說不定頁面就會出現個彈窗，提示您綁定銀行卡、手機號……別嫌麻煩，這是支付平臺在進行實名認證。</span></span></p><p style="margin-top: 32px; margin-bottom: 0px; padding: 0px; font-size: 18px; text-indent: 2em; font-stretch: normal; line-height: 32px; font-family: 'Microsoft Yahei'; color: rgb(64, 64, 64); text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei';">去年12月份，央行公布了《非銀行支付機構網絡支付業(yè)務管理辦法》（以下簡稱“辦法”），將個人網絡支付賬戶分為三類，升級賬戶需追加認證。該辦法將于7月1日正式生效。距離“大限”還有3個月，支付寶、微信等支付平臺近日接連發(fā)布聲明，稱將幫助用戶完善賬戶信息，進行相關升級操作。</span></p><p style="margin-top: 32px; margin-bottom: 0px; padding: 0px; font-size: 18px; text-indent: 2em; font-stretch: normal; line-height: 32px; font-family: 'Microsoft Yahei'; color: rgb(64, 64, 64); text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei';">值得注意的是，如果7月1日之后您還未進行相關實名認證的話，很可能紅包發(fā)不了，轉賬會“卡殼”。</span></p><p style="margin-top: 32px; margin-bottom: 0px; padding: 0px; font-size: 18px; text-indent: 2em; font-stretch: normal; line-height: 32px; font-family: 'Microsoft Yahei'; color: rgb(64, 64, 64); text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);">　<span style="font-size: 18px; font-family: 微軟雅黑, 'Microsoft YaHei';">3月12日，中國人民銀行副行長范一飛在十二屆全國人大四次會議記者會上透露，央行將從7月1日開始運行新的非銀行支付賬戶體系，以適應消費者日益多樣化的、個性化的消費支付需求。也就是說，央行給各大網絡支付平臺的時間已不到4個月。大限將至，為符合央行《非銀行支付機構網絡支付業(yè)務管理辦法》規(guī)定，國內幾大主要支付平臺勢必將啟動實名認證。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-size: 18px; font-family: 微軟雅黑, 'Microsoft YaHei';">　　這幾日來，支付寶和微信方面都在其官方渠道放出消息，提示即將對用戶賬戶進行“升級認證”，這一說法被業(yè)界認為即是啟動賬戶實名制的提前“放風”</span><span style="font-size: 18px;">。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-size: 18px;">　　<strong>央行規(guī)定：支付機構負有"了解你的客戶"的義務</strong></span></p><p><strong><img border="0" height="379" id="no_img" src="/pic/img/20160401/1459474582939211.jpg" width="514" style="border: 0px; margin: 0px; padding: 0px;"/></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);">　　<span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">根據去年12月公布《辦法》，支付機構應根據客戶身份認證情況將個人網絡支付賬戶分為三類，并規(guī)定了各類賬戶的信息認證標準。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　?、耦愘~戶主要適用于客戶小額、臨時支付，身份驗證最為簡單快捷，可以快速開立 I類賬戶并完成支付。只需要一個外部渠道驗證客戶身份信息(如聯網核查居民身份證信息)，賬戶余額可以用于消費和轉賬，兼顧便捷性和安全性，為賬戶的交易限額相對較低。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　《辦法》要求，支付機構在開立Ⅱ類、Ⅲ類支付賬戶時，分別通過至少三個、五個外部渠道驗證客戶身份信息，是為了保障客戶合法權益，防范不法分子開立匿名或假名賬戶從事欺詐、套現、洗錢、恐怖融資等非法活動，是對支付機構提出的監(jiān)管要求。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　<strong>網絡支付賬戶信息不全將影響"余額"使用</strong></span></p><p><strong><img border="0" height="429" id="no_img" src="/pic/img/20160401/1459474583733261.jpg" width="518" style="border: 0px; margin: 0px; padding: 0px;"/></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);">　　<span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">受到央行新規(guī)的約束，支付寶、微信支付等網絡支付平臺為了保證用戶在7月1日后依然能順利使用現有支付服務，因此紛紛開始行動。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　22日，支付寶官方微博發(fā)表聲明稱，“支付寶將在《辦法》出臺后正式啟動相關系統升級與改造工作，并且?guī)椭脩暨M行相關操作?！?5日中午，微信支付在其官方賬號“微信支付智慧生活”發(fā)布了題為《微信支付幫你一起完善賬戶信息》的短文。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　<strong>支付寶為什么要"升級認證"才可以付款?</strong></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　螞蟻金服集團客戶中心認證微博賬號明確回答稱，“根據《非銀行支付機構網絡支付業(yè)務管理辦法》相關規(guī)定，支付賬戶需要完成實名要求的哦?！蓖瑫r指出，“不補全的情況下，在2016年7月1日后，支付寶賬戶將不能再用于收付款，建議您及時完成信息補全。”還表示，屆時用戶的快捷支付和網銀都無法進行付款。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　去年5月的一篇公開報道顯示，截至當時支付寶公布的實名制賬戶超過3億戶，但其之前公布注冊用戶數超過8億，其中有不少是非實名賬戶。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　<strong>微信賬號同樣要求完善賬戶信息</strong></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　僅在支付寶發(fā)布實名認證公告3天后，25日中午，微信支付在其官方賬號“微信支付智慧生活”發(fā)布了題為《微信支付幫你一起完善賬戶信息》的短文。文中提示，“賬戶信息不全的用戶需在7月1日前完善信息，以享受更全面的支付服務。尚未完善信息的用戶在使用微信支付時，系統將于近期逐步進行提示和引導，以幫助用戶對賬戶信息進行完善?！?/span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　也就是說，很可能和支付寶一樣，如果你的微信沒有進行實名認證，7月1日后也將就無法正常使用“余額”進行微信支付、轉賬、發(fā)紅包，坐滴滴付不了錢，請朋友吃飯微信支付刷不了……不是會很尷尬嗎?</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　<strong>對發(fā)紅包有影響嗎?</strong></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　央行相關負責人此前表示，從《辦法》要求看，通過一種途徑實名認證的微信客戶依舊能夠使用零錢賬戶收發(fā)紅包，但累計發(fā)紅包的金額不得超過1000元。如果發(fā)紅包金額已超過1000元，還要繼續(xù)使用支付功能，則需要追加多種高身份認證方式成為Ⅱ類或Ⅲ類賬戶。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　《辦法》還指出，支付機構應采用必要技術手段確保客戶操作流程簡便、體驗便捷，這對支付機構的服務能力和服務水平提出了一定要求。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 5px 0px 20px; border: 0px; font-size: 14px; line-height: 25.2000007629395px; text-align: justify; word-wrap: break-word; color: rgb(51, 51, 51); font-family: 宋體, 'Arial Narrow', HELVETICA; white-space: normal; background-color: rgb(255, 255, 255);"><span style="font-family: 微軟雅黑, 'Microsoft YaHei'; font-size: 18px;">　　預計在新規(guī)正式生效前，支付寶、微信支付等第三方支付機構都將于近期針對實名制認證采取響應措施，上線更多的認證方式，以確保實名賬戶比例達到央行要求，確保用戶的正常使用。</span></p><p style="margin-top: 32px; margin-bottom: 0px; padding: 0px; font-size: 18px; text-indent: 2em; font-stretch: normal; line-height: 32px; font-family: 'Microsoft Yahei'; color: rgb(64, 64, 64); text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><br/></p></div></div> </div> <div class="zz1rxxt1x7" id="main_right"> <div class="zz1rxxt1x7" id="right_ads"><a href="http://rkbrg.cn/co.html" target="_blank"><img 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