第三方支付直連將終結 網絡支付均須通過網聯

The online payment industry in China will become more regulated, with the central bank ordering third-party payment institutions to connect to a newly established unified platform by June 30 in 2018.

隨着央行要求第三方支付機構在2018年6月30日前接入一個新建立的統一平臺，我國網絡支付行業將變得更加規範。

The unified platform refers to an online payment clearing platform for non-banking payment institutions.

該統一平臺即非銀行支付機構網絡支付清算平臺。

At present, online payments made via third-party payment tools such as Alipay and WeChat Pay are completed directly between such providers and banks, bypassing the clearing system of the People's Bank of China.

目前，通過支付寶、微信支付等第三方支付工具進行的網絡支付繞過了中國人民銀行的清算系統，是在第三方支付服務提供商和銀行之間直接完成的。

This situation has caused some risks for the industry.

這一情況已經給該行業帶來了一些風險。

The PBC can't supervise illegal activities such as money laundering and illicit money transfers that are conducted through online payments via the third-party payment tools.

中國人民銀行無法監督通過第三方支付工具網絡支付進行的一些違法活動，比如洗錢和非法轉賬等。

The platform will enable the PBOC to better supervise capital flows via the third-party payment companies, which will help the industry over the long term, Huang Yue, an analyst from internet service consultancy iResearch.

互聯網服務諮詢公司艾瑞諮詢的分析師黃悅表示，網聯將使央行能更好地監管第三方支付公司的資金流向，從長期來看對該行業有利。

Transactions involving third-party online payments rose 56.1% in the first quarter of 2017 year-on-year to 6.4 trillion yuan, according to a report iResearch released in July.

艾瑞諮詢7月發佈的報告稱，今年第一季度，第三方網絡支付交易規模達6.4萬億元，同比增長56.1%。