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Some users who are accustomed to using the quick payment function of third-party payment have found that the four major banks of China Industrial and Peasant Bank and China Construction Bank have recently lowered their quick payment limits, and the quick payment limit of some banks’ debit cards has been reduced to a single transaction of 1,000 yuan per month. Ten thousand yuan. In response to this matter
Yesterday, Jack Ma, chairman of the board of directors of Alibaba Group, said that this is the most difficult moment for Yu'e Bao, and it is also the most glorious moment. The four kings have blocked Yu'e Bao. Although Yu'e Bao is defeated, it is still glorious, and even though it is dead, it is still glorious. However, it should not be monopoly and power that determines the outcome of the market, but users
Phenomenon of quick payment limit being lowered
The reporter later learned through the bank customer service hotline that ICBC, Agricultural Bank of China, Bank of China and China Construction Bank recently The quick payment limit of the debit card for third-party payment has indeed been adjusted. The telephone customer service of China Construction Bank told reporters that China Construction Bank had just lowered the limit for quick payment of savings cards on March 1, and the adjusted limit was 1,000 yuan for a single transaction and 10,000 yuan per month. The telephone customer service of the Industrial and Commercial Bank of China stated that ICBC had adjusted the quick payment limit of its debit card to RMB 1,000 per month for a single transaction in March.
It is understood that the third-party quick payment limit of Bank of China and Agricultural Bank of China’s savings card has recently been adjusted to a maximum of 10,000 yuan for a single transaction. Bank of China’s telephone customer service stated that the reduction in the limit was mainly due to the prevention and control of payment risks.
Affects the restriction on the purchase limit of baby products
It is worth noting that the four major banks have restricted the purchase limit of baby products by reducing the quick payment limit. Therefore, other restrictions related to quick payment Services may also be affected. Taking credit card repayment as an example, after the limit is reduced, it means that if a user wants to repay from a debit card to a credit card through quick payment, the amount can only be a thousand yuan per transaction. If you want to repay 20,000 yuan to a credit card, you need to do it several times to complete it.
The Industrial and Commercial Bank of China and the Agricultural Bank of China stated that the purpose of reducing the quotas of Internet baby financial products such as Yu'ebao Wealth Management is out of consideration for the safety of users' funds.
Industry insiders believe that the central bank has previously made it clear that the draft of the "Measures for the Management of Online Payment Business of Payment Institutions" that limits the amount of third-party consumption will not be implemented in the short term. At this time, the four major banks have reduced the purchase limit of baby products. , the root cause
Or it is the impact of baby financial products on bank deposits. At the same time, some users said that the future use experience may be limited to a certain extent.
Jack Ma responded to Yu’ebao, please hold on
Jack Ma said that he doesn’t know who gives banks the power to hurt depositors’ power to control their own funds. I don’t even know who will supervise the legality of the joint ban on the four major national players? Some international friends said it was unheard of and unbelievable.
Although there are thousands of people, I will go. Yu'e Bao, was born at the right time? A worthy death? , regarding this incident, Jack Ma’s statement was quite tragic. Playing the tragedy card in front of powerful banks is also considered a consistent tactic of Internet companies.
As regulators strengthen their supervision of Internet finance, there has been debate in the market about the way to regulate Internet finance. All stakeholders want to gain more space for themselves before the final regulatory plan is introduced, and how Balancing the boundaries between supervision and innovation also challenges regulatory authorities.
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