Agricultural Bank of China, China UnionPay busy clarification: not recovered-P2P P2P payment channels, net loans-IT information

Recently, some online lending platform announcement said the previously closed banking payment channels has been restored. Once market reading for the part of the banks ' attitude to P2P platform eased.

And according to the 21st century business Herald reporters understand, who doesn't actually exist as a P2P platform is open to the pay channel, problem or P2P companies or acquirers submit merchant properties, has been tampered with.

On May 19, the 21st century business Herald reporters learned from the agricultural Bank, the Bank still is not back to the P2P platform payment interface. These platforms provided by the agricultural Bank of China UnionPay payment channels.

The message was opened by misreading of the market for the Union pay for P2P payment channels, but China UnionPay company also said a "grievance".

In fact, UnionPay banks opened a pay channel, and the decision on whether to agree to a deal right in the hands of banks. In other words, may be acquiring the property sector to P2P entities were forged, to P2P platforms wearing a "vest", banks do not have agreed to the deal with real information.

In this regard, the Union facing the 21st century business Herald reporter replies said, in accordance with regulatory requirements and business rules, silver Council require all acquirers submit transaction information when trading and business information so that each card issuer based on risk and its risk assessment whether the transaction is authorized.

In fact, the Union in recent years, some members of the merchants and acquiring institutions in the course of business, making merchant name, transaction information and other irregularities, has also noticed.

"For illegal operations, now mainly rely on on-site inspections under the line. "Union Insider describes, to confirm that a collection agency violations, is not simple to operate, you may need to check its configuration, IP address of the network connection, to verify all system interfaces, and so on.

"This fact is there has always been a problem, is that acquirers, third party payment companies, and no real escalation business properties, which in recent years has been to emphasize compliance, verification is not enough, many also follow afterwards, shorthanded on the one hand, on the other hand Union pay no administrative law enforcement power. "Payment industry insiders said.

UnionPay said, according to the regulatory requirements of the country, further verification and rectification of irregularities on the merchant market: also welcome the cardholder receipt found irregularities, UnionPay micro-a letter to the Sun platform for complaints and provide clues.

On January 22 this year, the Bank issued on immediately stopping, relating to notice of default payment agencies requiring immediate Branch electronic bank Department immediately shut down all P2P-related third party payment institutions trading interface. According to bank documents, "recent, frequent P2P net credit risk events platform, involving customers and capital loss was greater, social and media attention. Some third-party payment mechanism to P2P platforms provide bank card payment channels, resulting in risks spreading to our Bank, have significant negative impact on our reputation. ”

Since then, including banks such as China Merchants Bank, Bank of communications following up the policy, suspend P2P payment recharge etc.

However, there are P2P platform leader also said he was "wronged": P2P is considered the Internet a few years ago on behalf of financial innovation, some platform publishes a false mark, suspected of financing illegal fund raising, or just for money to run the scam, these are fraudulent or illegal fund-raising on behalf of P2P, reputation damage to the industry. Call for business institutions such as banks try to avoid "one size fits all" policies.

农行、银联忙澄清：未恢复P2P支付通道 - P2P,网贷 - IT资讯

近日，有部分网贷平台公告称，此前被关闭的银行支付通道已经恢复。这一度被市场解读为部分银行对P2P平台的态度有所缓和。

而据21世纪经济报道记者采访了解，实际上并不存在谁为P2P平台开放了支付通道，问题或出在P2P公司或收单机构在提交商户属性时，进行了篡改。

5月19日，21世纪经济报道记者从农业银行获悉，该行仍并未恢复对P2P平台的支付接口。上述平台使用的是农业银行提供给银联的支付通道。

这一消息被市场误读为银联为P2P开通了支付通道，但银联公司也表示很“委屈”。

实际上，银联给各家银行开通了支付通道，而是否同意交易的决定权在银行手中。也就是说，可能有收单机构对P2P机构的属性进行了伪造，给P2P平台穿了“马甲”，银行在不掌握真实信息的情况下同意了该项交易。

对此，银联方面向21世纪经济报道记者回复称，根据监管要求和业务规范，银联会要求所有收单机构报送交易信息时明确交易场景和商户信息等，以便于各家发卡机构根据风险情况和自身风控政策评估是否授权完成交易。

事实上，银联方面对于近年来，部分商户和收单成员机构在经营过程中，存在编造商户名称、交易信息等违规行为，也有所察觉。

“对于违规操作，现在主要依托线下现场检查。”有银联内部人士介绍，若要确认一家收单机构违规，操作起来并不简单，可能需要现场检查其网络配置、IP地址连接，对各个系统接口进行核实等。

“这个其实是一直存在的问题，就是收单机构，一些第三方支付公司，并没有真实的上报商户的属性，银联近些年一直在强调合规问题，但核查力度其实是不够的，有很多也是事后才去追查，一方面是人手不够，另一方面其实银联也没有行政执法权。”有支付业内人士表示。

银联方面表示，正根据国家的监管要求，进一步加大对收单市场违规行为的核查和整顿：同时也欢迎持卡人就发现的收单违规行为，向银联微信晒单平台进行投诉和提供线索。

今年1月22日，农行发布《关于立即停止与违规违约支付机构合作的通知》，要求各直属分行电子银行部等立即关闭全部涉P2P的第三方支付机构交易接口。农行文件显示，“近期，P2P网贷平台风险事件频发，涉及客户群体及资金损失金额较大，引起社会和舆论广泛关注。部分第三方支付机构向P2P平台提供了农行卡支付通道，导致风险蔓延至我行，给我行声誉带来极大负面影响。”

此后，包括招商银行、交通银行等多家银行跟进该政策，暂停P2P支付充值等。

不过，亦有P2P平台负责人同样表示很“委屈”：前几年P2P被认为是互联网金融创新的代表，部分平台发布虚假融资标、涉嫌非法集资，或者就是为了卷款跑路进行诈骗，这些都是打着P2P的名义在进行诈骗或非法集资，对行业声誉破坏极大。呼吁银行等业务机构尽量避免“一刀切”政策。