20余家支付机构接入网联平台
<p>今后，大家通过支付宝和微信支付等第三方支付机构完成的交易都将受到央行严格监管。根据央行要求，目前，已有20余家支付机构和银行完成了接入网联平台的工作。</p><p><span word="More">More</span> <span word="than">than</span> 20 <span word="payment">payment</span> <span word="institutions">institutions</span> <span word="and">and</span> <span word="banks">banks</span> <span word="have">have</span> <span word="connected">connected</span> <span word="to">to</span> <span word="a">a</span> <span word="unified">unified</span> <span word="clearing">clearing</span> <span word="platform">platform</span> <span word="set">set</span> <span word="up">up</span> <span word="by">by</span> <span word="Payment">Payment</span> & <span word="Clearing">Clearing</span> <span word="Association">Association</span> <span word="of">of</span> <span word="China">China</span>.</p><p>已有20余家支付机构和银行接入由中国支付清算协会成立的统一清算平台。</p><p>网联全称“网联清算有限公司”（<span word="China">China</span> <span word="Nets">Nets</span> <span word="Union">Union</span> <span word="Clearing">Clearing</span> <span word="Corporation">Corporation</span>），是一个线上支付统一清算平台（<span word="unified">unified</span> <span word="clearing">clearing</span> <span word="platform">platform</span> <span word="for">for</span> <span word="online">online</span> <span word="payment">payment</span>），在央行指导下，由中国支付清算协会（<span word="Payment">Payment</span> & <span word="Clearing">Clearing</span> <span word="Association">Association</span> <span word="of">of</span> <span word="China">China</span>）组织支付机构成立，用以处理由非银行支付机构发起的、与银行交互的支付业务，按照“共建、共有、共享”原则（<span word="under">under</span> <span word="the">the</span> <span word="principle">principle</span> <span word="of">of</span> <span word="joint">joint</span> <span word="set">set</span>-<span word="up">up</span>,<span word="ownership">ownership</span> <span word="and">and</span> <span word="sharing">sharing</span>）共同发起筹建。网联平台的上线运行，为支付机构提供了统一、公共的支付清算服务。</p><p>网联清算有限公司注册资金（<span word="registered">registered</span> <span word="capital">capital</span>）20亿元，股东总数45家（45 <span word="shareholders">shareholders</span>），“央行系”为第一大股东，7家有央行或外管局背景的股东合计持股37%，其中38家为第三方支付机构（<span word="third">third</span>-<span word="party">party</span> <span word="payment">payment</span> <span word="institutions">institutions</span>）。</p><p>今年8月4日，央行支付结算司印发了《中国人民银行支付结算司关于将非银行支付机构网络支付业务由直连模式迁移至网联平台处理的通知》，要求各银行和支付机构应于2017年10月15日前完成接入网联平台和业务迁移相关准备工作（<span word="complete">complete</span> <span word="preparation">preparation</span> <span word="of">of</span> <span word="connecting">connecting</span> <span word="to">to</span> <span word="the">the</span> <span word="unified">unified</span> <span word="platform">platform</span>）。自2018年6月30日起，支付机构受理涉及银行账户的网络支付业务（<span word="all">all</span> <span word="online">online</span> <span word="payment">payment</span> <span word="involved">involved</span> <span word="bank">bank</span> <span word="accounts">accounts</span>）全部通过网联平台处理。首批接入的财付通和支付宝都已率先启动了业务切量。按照计划，10月份将完成200多家银行对网联的接入，年底前完成40家支付公司的接入。</p>
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