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条码支付互联互通加速推进 相关技术标准正在制定中

2020年1月9日 09:58  经济参考报  作 者:汪子旭 张莫

BEISHOUGUANZHUDETIAOMAZHIFUHULIANHUTONGYINGLAISHIZHIXINGJINZHAN。JINRI,WANGLIANYUMOUZHIFUJIGOUZAISHIDIANCHENGSHININGBOWANCHENGLEGUONEITIAOMAZHIFUHULIANHUTONGDESHOUBIYEWU。SUIHOU,YINLIANYUCAIFUTONGYEJIUTIAOMAZHIFUHULIANHUTONGDACHENGHEZUO,BINGKAIZHANXIANGGUANHEZUOSHIDIAN。

YANGXINGCIQIANFABUDE《JINRONGKEJI(FinTech)FAZHANGUIHUA(2019―2021NIAN)》MINGQUETICHUTUIDONGTIAOMAZHIFUHULIANHUTONG,YANJIUZHIDINGTIAOMAZHIFUHULIANHUTONGJISHUBIAOZHUN。《JINGJICANKAOBAO》JIZHECONGJIEJINJIANGUANCENGRENSHICHUHUOXI,MUQIANXIANGGUANBIAOZHUNZHENGZAIYUNNIANGZHONG,ZAIBIAOZHUNLUODIFANGSHISHANG,HUOJIANGJIEHEBUTONGMOSHIDESHIDIANQINGKUANG,TIQUDICENGJISHU、BOCAIZHONGZHANG。

YENEIRENSHIBIAOSHI,TIAOMAZHIFUHULIANHUTONGJIANGDAPOJUTOUZAIERWEIMAZHIFULINGYUDEZHANGQILONGDUAN,ZHIFUXINGYEGEJUJIANGFASHENGBIANHUA。

条码支付互联互通破冰

JINRI,TIAOMAZHIFUHULIANHUTONGYEWUZHENGSHIPOBING。2019NIAN12YUE30RI,WANGLIANJIBUFENSHIDIANZHIFUJIGOUZAININGBOSHIDIANLEJIYUZHANGHUXIEYIHAODETIAOMAZHIFUHULIANHUTONGBIAOZHUN,BINGCHENGGONGWANCHENGLEGAIBIAOZHUNXIADEDIYIBIYEWU。YINLIANYUTENGXUNQIXIACAIFUTONGGONGSIJINRIYEJIUTIAOMAZHIFUHULIANHUTONGDACHENGHEZUO。WEIXINZHIFUXIANGGUANFUZERENDUI《JINGJICANKAOBAO》JIZHEBIAOSHI,CAIFUTONGGONGSIYUYINLIANZHENGZAIKAIZHANXIANGGUANHEZUOSHIDIAN。JUXI,SHUANGFANGZHENGGONGTONGYANJIUTIAOMAZHIFUHULIANHUTONGJISHUFANGAN,JIANLIQUANMIANHUSAOHURENDETIAOMAZHIFUFUWUWANGLUO。

SHISHISHANG,JIANGUANBUMENYIZHIZAIZHELITUIDONGTIAOMAZHIFUHULIANHUTONG。YANGXINGKEJISISIZHANGLIWEICIQIANBIAOSHI,JIANGZUZHISHANGYEYINXING、ZHIFUJIGOU、ZHONGGUOYINLIAN、WANGLIANDENG,WENTUOKAIZHANTIAOMAZHIFUHULIANHUTONGJISHUYANZHENGHEYINGYONGSHIDIAN,ZHUBUDATONGZHIFUFUWUBILEI,WEIRENMINQUNZHONGTIGONGGENGANQUANBIANJIEDEZHIFUFUWU。

SHEKEYUANJINRONGYANJIUSUOZHIFUQINGSUANYANJIUZHONGXINTEYUEYANJIUYUANZHAOYAOZAIJIESHOU《JINGJICANKAOBAO》JIZHECAIFANGSHIBIAOSHI,TIAOMAZHIFUHULIANHUTONGSHIZHIBUTONGDEZHIFUXITONG(ZHIFUFUWUTIGONGSHANG)ZHIJIANGONGXIANGXINXI,FEIPAITAXINGDEXIANGZHONGDUANYONGHUTIGONGZHIFUFUWUWANGLUOJIERUJIZHIFUFUWUCHANPIN,SHIDEZHONGDUANYONGHUNENGGOUZAIBUTONGDEZHIFUXITONGZHIJIANJINXINGXUANZEYUQIEHUAN。

ZHAOYAOBIAOSHI,YIBANLAISHUO,JIANGUANBUMENGULIZHIFUFUWUWANGLUOJIZHUTIDEHULIANHUTONG,JIUSHIQIANGZHIYAOQIUCHUYUZHIPEIDIWEIDEZHIFUFUWUTIGONGSHANGSHIXIANHULIANHUTONG,ZHEISHIJIANGUANZHEZAIZHIFUFUWUSHICHANGYINRUSHICHANGJINGZHENGDEZHONGYAOZHENGCEGONGJU。

ZHONGGUOMINSHENGYINXINGXINGZHANGZHENGWANCHUNCIQIANBIAOSHI,MUQIANGUONEISHICHANGSHANGZHICHIERWEIMADESHOUJIAPPCHAOGUO400GE,BEIHOUDUIYINGDESHIYIJINGHEJIJIANGSHANGXIANDEJIN10ZHONGERWEIMAZHIFUBIAOZHUN,BUFENSHICHANGCANYUZHUTITONGGUOSICENGTIXIDEERWEIMABIAOZHUN,JIANLIJINGZHENGBILEI,DAOZHIYONGHUSHOUJIAPPHESHANGHUDEMABIAOZHIJIANTONGCHANGWUFAHUREN,YONGHUXUYAOJINXINGSHOUJIAPPDEQIEHUAN,ZHEIYINGXIANGLEXIAOFEIZHEDEZHIFUTIYAN。

“TIAOMAHULIANHUTONGHOU,SHANGHUZHIXUYIGEERWEIMA,JIUKERANGKEHUSHIYONGRENYIYIJIAZHIFUJIGOUHUOYINXINGDEAPPWANCHENGSAOMAZHIFU。ERXIAOFEIZHEYEBUZAIXUYAODAKAIBUTONGAPP,QIEKEYIGENGJIAZIYOUDIXUANZEZHIFUJIGOU。”SUNINGJINRONGYANJIUYUANGAOJIYANJIUYUANHUANGDAZHICHENG。

监管层推动制定技术标准

CHULESHIDIANJIASUTUIJINWAI,TIAOMAZHIFUHULIANHUTONGXIANGGUANJISHUBIAOZHUNYEZAIYANJIUZHIDINGZHONG。YANGXINGFABUDE《JINRONGKEJI(FinTech)FAZHANGUIHUA(2019―2021NIAN)》MINGQUETICHU,TUIDONGTIAOMAZHIFUHULIANHUTONG,YANJIUZHIDINGTIAOMAZHIFUHULIANHUTONGJISHUBIAOZHUN,TONGYITIAOMAZHIFUBIANMAGUIZE、GOUJIANTIAOMAZHIFUHULIANHUTONGJISHUTIXI,DATONGTIAOMAZHIFUFUWUBILEI,SHIXIANBUTONGAPPHESHANGHUTIAOMABIAOSHIHURENHUSAO。

BUGUO,DANGQIANZHENGZAISHIDIANDEYINLIANHEWANGLIANCAIYONGDETIAOMAZHIFUHULIANHUTONGMOSHIBINGBUXIANGTONG。JULEJIE,WANGLIANZHUDAODESHISIFANGMOSHIXIADEHULIANHUTONG,ZUNXUNYIGEGONGKAIHUOXIANGDUIDEBIAOZHUN,RENHEZHIFUJIGOUZHIYAOANZHAOXIEYIJIERU,JIUKEYIYUQITAJIGOUMASHIXIANBICIHUSAOHUREN。ERYINLIANYUCAIFUTONGHEZUODEQINGSUANMOSHI,SHIYIZHONGJIANGDUIFANGNARUBICIZISHENJUHESHOUDANTIXIDEHEZUOFANGSHI,ZHIFUJIGOUKEYIYIYIJIERUYINLIAN,DANMEIYOUGONGYUNDEBIAOZHUN。

DUOWEIYENEIRENSHIDUIJIZHEBIAOSHI,XIANGBIJIAOLAIKAN,WANGLIANDEJISHUGUIFANGENGJUBAORONGXING。MOUZHIFUJIGOUNEIBURENSHIZHICHU,ZHENZHENGDELIANWANGTONGYONG,ZHIFUJIGOU、SHANGHUNENGZUODAOYIDIANJIERU,YINLIANDEZHISHIXIANGDANGYUHUHUAN,LIANGLIANGDEDUIJIE,SHANGHUDEFENBIERUWANG,BIJIAOMAFAN。YIWEIYENEIZHUANJIAYEBIAOSHI,YINLIANHEWEIXINDEHULIANHUTONGMOSHIQISHISHISHUANGFANGHEZUODEJIEGUO,SHUYUXIANGHUDIAOYONGJIEKOUERYI,ERWANGLIANDEJISHUDUIXIANYOUDEZHIFUJIGOUYINGXIANGJIAOXIAO。

YIWEIJIEJINJIANGUANCENGRENSHIDUIJIZHEBIAOSHI,DUIYUTIAOMAZHIFUHULIANHUTONGDEJISHUBIAOZHUN,XIANGGUANBUMENHAIZAIYANJIUYUNNIANGZHONG,HUOJIANGJIEHEBUTONGMOSHIDESHIDIANQINGKUANG,TIQUDICENGJISHU、BOCAIZHONGZHANG。

中小支付机构将迎更多发展空间

SUIZHETIAOMAZHIFUHULIANHUTONGDEJIASUTUIJIN,ZHIFUXINGYEDESHENGTAIGEJUYEJIANGSHENGBIAN:XIANXIASHOUDANJIGOUJIANGFENXIANGLIULIANGLONGDUANDAPOHOUDEHONGLI,ZHONGDUOZHONGXIAOZHIFUJIGOUJIANGYINGLAIGENGDUOFAZHANKONGJIAN。

MOUZHIFUJIGOUNEIBURENSHIBIAOSHI,HULIANHUTONGZHIQIAN,TIAOMAZHIFUJIBENZHIYOUZHIFUBAO、WEIXINHEYUNSHANFU,QITAJIGOUZHINENGZUOJUHE。WEILAI,HULIANHUTONGHOU,GENGDUOZHIFUJIGOUKEYIANZHAOZIJIDEYOUSHICANYUJINLAI:YOUSHANGHUZIYUANDEKEYIZHIFAZHANSHANGHU,YOUYONGHUDEKEYIZHIFAZHANYONGHU。ERBANSUICANYUZHUTIZENGDUO,YIQIANYUANGAOYUXIANSHANGJIAGEDEXIANXIAJIAGEYEJIANGXIAJIANG,ZHUBUXIANGCHENGBENJIAKAOLONG。

YIGUANZHIKUZHIFUXINGYEZISHENFENXISHIWANGPENGBOBIAOSHI,LEISIJINGDONG、SUNING、MEITUANDENGYONGYOUPANGDAYONGHUJISHUDEJIGOU,XIANGWANGXIANXIAZOUZUOZHIFU,HULIANHUTONGHOU,TAMENNENGGOUJIESHENGQIANQIPUSHEJICHUSHESHIDEDALIANGZIJINHERENLICHENGBEN。YIHOUZHENDUIZHIFUCHANGJINGDEZHENGDUOJIANGZHENZHENGJINRU2.0SHIDAI,BIPINDESHIZHIFUYIWAIDEZENGZHIFUWU。

TIAOMAZHIFUHULIANHUTONGDEJIASUTUIJIN,YEJIANGLIHAOCHUANTONGSHOUDANJIGOU。TONGLIAN、LAKALAHESUIXINGFUDENGSHOUDANJIGOU,YOUCINENGGOUGENGJIABIANLIDEZHIJIECHUDASHANGHU。“ZHEIXIEJIGOUZAOJIUKAISHIBUJUBDUANZENGZHIFUWU,QIEYEYOUCHENGSHUDEZHIFUJIEJUEFANGAN,DANGBENLAISHUYULIANGDAGUATOUDESIYULIULIANGYIDANFANGKAI,KEYIKANDAOSHICHANGQIANJINGFEICHANGKEGUAN。”WANGPENGBOSHUO。BUGUO,YENEIRENSHIYEBIAOSHI,TIAOMAZHIFUHULIANHUTONGMUQIANRENGZAITANSUOZHONG,SUIRANQUDELEJIJIJINZHAN,DANYINWEISHEJIDUOFANGLIYI,BUKENENGYICUERJIU。

编 辑:章芳
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