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兰州银行跨行扫码取款暂停背后:收单变取现不合规

2017-09-07 14:07:06   中国经济网

而且,《支付机构预付卡业务管理办法》第二十九条规定:预付卡不得用于或变相用于提取现金;对于“赎回”,也即终止支付账户,第三十九条规定:预付卡赎回应当使用银行转账方式,由发卡机构将赎回资金原购卡银行账户。

“第三方支付机构的账号是不能取现的,除非后面绑的是兰州银行自己的账号。”一位股份行网络银行部负责人表示。

支付创新如何突围?

兰州银行一位高管在接受21世纪经济报道记者采访时表示,该业务目前停止的原因是还有一些报批手续尚未完成。并表示,该项目现在只是试验阶段,并未正式上线。目前正在和央行积极沟通和报备中,如果央行允许该项业务创新,便将正式上线。

但第三方支付“取现”业务背后的问题在于,难点究竟在于“真合规”还是“伪需求”。

追溯兰州银行的创新经历,此前有先例。早在2015年6月,兰州银行在全国首创“二维码无卡取款”业务并上线。此项业务的具体运作是,客户在取钱时不需携带实体银行卡,只需通过手机银行中的“二维码”菜单扫码就可取款。而此次兰州银行被叫停的ATM取现,则对微信、支付宝等第三方支付敞开大门,对于没有带银行卡又急需现金的客户,这项业务如果上线将可以解决这部分需求的燃眉之急。虽然相对支付宝和微信零钱提现0.1%的手续费稍高,但对于有应急需求的用户来说也是抓住了一个痛点。

华东某城商行网络金融部人士在接受21世纪经济报道记者采访时认为,在经济发达地区,现金支付的比例在下降,ATM机取款的交易量也在下降,而且银行ATM机现金管理成本也较高,银行推微信、支付宝ATM机扫码取款业务不太划算,无非赚了一点手续费。在他看来,其他中小银行跟进此业务的可能性不大。

现实的趋势是,第三方支付正在挤占银行支付的空间。

公开的数据显示,今年第二季度,银行电子支付总金额为545.58万亿元,同比减少25.37万亿元;同期,以支付宝、微信支付为代表的非银支付增长迅速。二季度,非银行支付机构处理网络支付业务632.9亿笔,金额31.49万亿元,去年同期支付金额为23.35万亿元,同比大幅增加34.87%。

在移动支付和二维码横行的时代,传统商业银行支付业务要想发展,就必须适应时代做出改变,如二维码支付、NFC支付等。目前农业银行已推出K码支付,交通银行推出了“云闪付”“立码付”,邮储银行、民生银行、平安银行等也陆续推出二维码转账支付,未来的支付方式必然是更多元和更快捷的。

“涉及现金业务,要严肃。”有银联人士认为,兰州银行新推的这项业务,操作上看还是踩了监管红线的,涉及现金业务要严肃,如果可以进行此类业务早就可以有相关创新。

他表示,第三方支付从事现金转账或存取,从合规考虑只有一种途径,即不适用第三方支付机构账户,而是第三方机构直接使用合作银行的借记卡账户,类似Apple与Green Dot在Apple Cash上的合作。

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