The Internet banking transaction turmoil.

Summary: China Merchants Bank is called to reduce the risk of online payment transactions, network shopping for people to call extremely inconvenient, lawyers said that the temporary change of the provisions of the April 11, the default, a card public version of the online payment in the third party to pay the company's transaction amount to 500 Yuan/pen/day. CMB Voice

China Merchants Bank to reduce the risk of online payment transactions, the Internet to buy people to call extremely inconvenient, lawyers said that such a temporary change of the provisions, is a default April 11 onwards, a cartoon version of the public online payment in the third party to pay the company's transaction amount reduced to 500 yuan/pen/day.

A statement by the CMB, the industry uproar. The Internet banking transaction turmoil.

Most of the reductions are for third party payments

Starting from April 11, China Merchants Bank will be the popular version of the net to pay customers a single day trading limit from the maximum of 5000 yuan down to 500 yuan, the bank's credit card online payment transactions will also be set by the customer's own transaction limit into a transaction amount can not exceed 500 yuan.

The bank is not the only one to cut the limit. In recent months, other banks have also adjusted for the amount of single transaction and the daily cumulative transfer limit.

Reporters interviewed a number of banks to reduce the limit found that the limit is mostly for third-party payments, Alipay, Tenpay, fast money, yeepay, remit the world, online banking and other Third-party payment platform in this column.

To pay the third party payment platform for example, ICBC card, if the electronic bank password card, a single limit of 500 yuan, daily limit of 1000 yuan, the stock of static password customers total cumulative limit of 300 yuan.

ABC card dynamic password card, a single limit of 1000 yuan, daily limit of 3000 yuan. To handle the mobile certificate, a single limit of 1000 yuan, daily limit of 3000 yuan.

CCB Card Account Direct payment, a single pen limit of 500 yuan, daily limit of 500 yuan, credit card opened online payment function, a single limit of 500 yuan, the daily limit is 500 yuan.

Only Pudong and Visa show, "set according to customer".

But when the reporter calls the line of the 24-hour hotline, only the bank of credit to accept the reduction. CCB, BOC, Societe Generale and other all said, "did not receive the Internet payment limit of the notice."

BOC 95566 Customer Service said, now the situation is, the customer application to open the net Silver service, set by the customer's own amount, for third-party payments, banks and merchants signed a contract, with each merchant signed the limit is also different, generally according to adjust the amount. For individuals, it is also set according to the requirements, if the amount of modification can be logged into the net silver to make changes.

The network buys the biggest to be inconvenient, the bank calls the customer fund to be safer

"How to do ah, any one ticket is more than 500, after this how online transactions?" "Beijing Ms. Li complains.

"Too inconvenient, a document, pay many times, not only waste energy, but also pay a few more handling fees." "said Miss Shanghai.

"I am used to online shopping, limit the amount, also equal to limit my consumption, later do not buy big things, can save a lot of money, this move nothing bad." "said Mr. Yang, Chengdu.

Internet shoppers are talking, and third party payers are also whining. Mr. Xu, who is doing clothing business on Taobao, told reporters, "recently many buyers have net silver pay the highest amount of the matter with me to bargain, most of the maximum of 500 yuan, the total price for five hundred or six hundred yuan of clothing cut to 500 yuan, cut bad only buy one or two pieces, now my high-grade clothes are rarely sold out, Those two hundred or three hundred dollars before someone can buy two or three, now most tend to buy one. ”

Financial Weekly reporter to the first time to pass the question to the Merchants Bank, the main purpose of this reduction is to reduce the risk of online payment transactions and guarantee the security of the cardholder, which is also required by regulatory requirements, in order to find a balance, according to the relevant head of CMB.

Referring to the future use of net silver proposal, the bank said, in order to ensure the customer's own safety, to promote the future use of USB (U shield). Because of the special USB of the merchant bank, the professional version of the customer can be unlimited online third-party payment, in addition, Ukey can effectively improve the security of financial transactions.

The lawyer says the bank's ex-overlord clause

For banks such as the bank to cut the amount of online banking transactions, there are also different voices.

Some e-commerce sources said the move is not entirely out of safety considerations, the deeper reason is that banks and third-party payment agencies in the interests of the differences.

Also, bank analysts said the phenomenon was growing, not excluding the possibility that banks would not agree on a shared interest in cooperation with third-party payment platforms.

But the view has been opposed by the banks. The governor of a city firm told reporters that the bank's move was normal. Because the popular version of the network silver Key identification is the weakest, the previous period of time bank network silver was stolen, other banks to take measures is also to prevent risks.

The president does not agree with the argument that there is a conflict of interest with third-party payment platforms. "Then a big bank, with one or two of companies conflict will not affect the overall action, otherwise, can be broken off one or two cooperation platform, in other directions to put the amount to infinity." ”

Lawyers at a big law firm in Beijing believe that it takes time for bank customers to change their behaviour, and that the limits of bank restrictions lead to too much trading, repeated fees, time and energy, and customer dissatisfaction. However, this behavior is not only true in order to protect the interests of customers, or the bank has opened a network of silver business for many years, the system and software should be more perfect than before, why not before the card instead of cards now? Banks have a responsibility to maintain the safety of their clients in any form of money, even if there are more "phishing incidents".

"One-day trading limit was lowered from a maximum of $5000 to $500, a unilateral statement by the bank." If previously in the opening of the Network Bank account function, the bank with the customer or third party to pay the contract, so the temporary change of provisions, is a breach of the "overlord clause." Said the lawyer.

Banking professionals suggest that online transactions have an incalculable risk, in order to protect themselves, it is recommended to discard the popular version, instead of Professional version. Because the Volkswagen network silver does not need the key, does not need to verify many data, but most banks provide for it is one kind of inquiry, does not involve the transaction the service. If you can complete large transactions with the VW version, it doesn't matter if you have a popular and Professional edition. The professional version of the general adoption of double certification, online payment when the probability of theft of money is almost zero. Online hackers are very powerful, IC contactless card reader has been successfully cracked abroad, the proposed customer, the public version can not use.

But bank clients have reflected that banks are not wise to lower their pay limits on the VW version of the net, advising banks to open their professional version of the Silver Net free. (Zhangli/Wen)