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“支付宝们”会被银行势力给干掉吗?
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Topic: “支付宝们”会被银行势力给干掉吗? (Read 293 times)
chennuan
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“支付宝们”会被银行势力给干掉吗?
August 30, 2015, 03:58:52 AM
#1
8月28日,央行有关网络支付的新规征求意见结束,很多人开始担心,以支付宝、财付通等为代表的第三方支付会不会遭受当头一棒,甚至被扼杀呢?
这两天,人们开始关注支付宝转账的问题,一是用支付宝向银行卡转账,一个月最多20万,每天最多5万,二是,如果新规执行,支付宝向非本人银行卡转账将受限。
但是,即便号称史上最严的支付新规得以不加修改的实施,也不会改变目前支付市场的格局,也改变不了银行整体衰落的走势,只可能让银行在保护伞中温水煮青蛙。
银行业制定新规,让老百姓的使用体验下降,势必更加恶化银行系统的社会声誉,增加社会舆论对银行的整体不信任。要知道,银行业只是建立在信任的基础上,任何伤害信任的行动都可给银行带动深远的负面影响。可以这样讲,对于网络支付的限制,看似对银行业的保护,实际上却是对银行最大的伤害,只是这个伤害是深层次的还没被觉察。
网络第三方支付的安全性已经饱受考验,得到了各方认可。与此相反,最近银行的安全性却被质疑。备受社会关注的工商银行网络银行存款被骗走事件还在发酵,虽然工商银行坚称自己没责任,但黑客和诈骗分子轻易的就可以进入被害者账户,而且方便的操作理财产品,难道其中就没有银行方面的责任?
在这方面,第三方支付企业的安全管理就比银行好,还提供账户安全保险。现实中,一个客户被人用假身份证办理的银行卡绑定支付宝取走了钱,银行拒绝承担任何责任,但支付宝却进行了无理由赔付,你说让老百姓信任谁?
在严格的支付新规下,人们还会选择用支付宝给其他人转账吗?答案是,肯定会。只是,如果强制不让转给其他人的银行卡,那么,支付宝之间的直接转账会大大增加,会更加导致银行的储蓄卡被冷落。人们的创新能力是无穷的,只要银行的垄断利润还存在,在互联网大通道里,总是会找到合适的途径。
银联收取线下商户高额的手续费,商家有苦不能言,在第三方支付活跃时候,终于可以有更多的选择,即便银联等进行了重重阻挠,可依然没有阻挡住“钱”的诱惑。
昨天,收到了工商银行给我的短信提醒,告知我,因为资金量的下降和使用量的变动,我的工商银行客户级别将开始下降。其实,即便你在提醒,我也绝对不会再把更多的资金存入工行。工行对网络支付设置的层层限制,过度不方便的使用,让我对其彻底失去信心。
以前,钱放到银行是最安全的,看现在呢?银行也不再对资金给予彻底的保障,即便存款也不是无限制的进行保底,已经和其他金融机构没有区别。对于理财客户,多家银行收益持续降低,甚至竟然在最近提前终止了很多长期理财产品的进程,但却没有听说谁获得了补偿?
在面对互联网金融冲击的时候,银行业不是去找突围之策,而是寄希望于特殊保护。既降低自己的客户信任度和资金保证程度,又无法为客户提供更高收益,这样的金融怎么可能受到老百姓的喜欢?
青山遮不住,毕竟东流去!面对互联网金融大潮,银行们觉醒了吗?
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