第三方支付直连将终结 网络支付均须通过网联

The online payment industry in China will become more regulated, with the centrAl bank ordering third-party payment institutions to connect to a newly established unified platform by June 30 in 2018.

随着央行要求第三方支付机构在2018年6月30日前接入一个新建立的统一平台，我国网络支付行业将变得更加规范。

The unified platform refers to an online payment clearing platform for non-banking payment institutions.

该统一平台即非银行支付机构网络支付清算平台。

At present, online payments made via third-party payment tools such as Alipay and WeChat Pay are completed directly between such providers and banks, bypassing the clearing system of the People's Bank of China.

目前，通过支付宝、微信支付等第三方支付工具进行的网络支付绕过了中国人民银行的清算系统，是在第三方支付服务提供商和银行之间直接完成的。

This situation has caused some risks for the industry.

这一情况已经给该行业带来了一些风险。

The PBC can't supervise illegal activities such as money laundering and illicit money transfers that are conducted through online payments via the third-party payment tools.

中国人民银行无法监督通过第三方支付工具网络支付进行的一些违法活动，比如洗钱和非法转账等。

The platform will enable the PBOC to better supervise capital flows via the third-party payment companies, which will help the industry over the long term, Huang Yue, an analyst from internet service consultancy iResearch.

互联网服务咨询公司艾瑞咨询的分析师黄悦表示，网联将使央行能更好地监管第三方支付公司的资金流向，从长期来看对该行业有利。

Transactions involving third-party online payments rose 56.1% in the first quarter of 2017 year-on-year to 6.4 trillion yuan, according to a report iResearch released in July.

艾瑞咨询7月发布的报告称，今年第一季度，第三方网络支付交易规模达6.4万亿元，同比增长56.1%。