In short, there are three kinds of customer reserve funds, one is idle funds in common online payment accounts (Alipay, WeChat wallet, QQ wallet, etc.). ), the other is the collection money held by the bank card acquiring institution, and the other is the balance of prepaid cards (consumer cards, prepaid shopping cards, etc.). ).
Alipay was originally designed as a function of Taobao Company to solve the security of online transactions. This function is the first "third-party secured transaction mode". The buyer transfers the payment to Alipay account, and Alipay will notify the seller to deliver the goods. After the buyer receives the goods confirmation, it will instruct Alipay to pay the seller, thus completing an online transaction.
Extended data:
First of all, the reserve consists of two parts: the deposit of financial institutions in the current account of the People's Bank of China and the cash on hand. Special deposits, deposits deposited by state-owned commercial banks in superior banks and other deposits deposited in the People's Bank according to regulations are not included in the scope of reserve funds.
Two, the reserve ratio refers to the ratio of financial institutions' reserves to their deposits. Agricultural Bank of China 7% ~ 9%, Bank of China 6% ~ 10%, China Construction Bank 5% ~1%,Bank of Communications 5% ~ 7%. The reserve ratio of other commercial banks and non-bank financial institutions shall be determined by the local branch of the People's Bank of China according to the actual situation of each financial institution, and shall be implemented after being reported to the superior bank for the record.
Three, China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications reserve ratio by the head office of China People's Bank, its branches by their respective head offices. The Head Office will decompose the reserve ratio into branches 1995 before the end of July according to the actual situation of local branches, and send a copy of the specific decomposition to the head office of the People's Bank of China and the branches of the People's Bank of China for corresponding monitoring. The bank's adjustment of the reserve ratio of its branches shall also be reported in writing to the head office of the People's Bank of China and copied to the relevant branches of the People's Bank of China in time. Before receiving the notice of adjustment, the relevant branches of the People's Bank of China are still monitored according to the original reserve ratio.
4. Banks and non-bank financial institutions must make rational use of assets and liabilities in strict accordance with the determined reserve ratio, and strive to keep the reserve ratio within the prescribed ratio. If it fails to meet the minimum proportion requirements, it shall be supplemented within 10 days. /kloc-Financial institutions that fail to meet the proportion requirements within 0/0 day shall not increase loans or borrow funds from abroad before reaching the proportion. For financial institutions that fail to meet the proportion requirements within one month, the institutions within the jurisdiction where the People's Bank of China is located shall be informed criticism.
Five, the reserve ratio exceeds the prescribed proportion of banks, in excess of the prescribed proportion 10 days later, the people's Bank of China should stop increasing loans to them, and can recover the loans according to the situation.
The annual interest rate of intransitive verb reserve deposit is 9. 18%, and the People's Bank of China will raise or lower the interest rate of reserve deposit according to the needs of macro-control.
Seven, the people's banks at all levels should strengthen the monitoring or assessment of reserve deposits, and establish a standardized monitoring or assessment system for reserve deposits. First, we will continue to improve the daily monitoring system of reserve deposits of financial institutions, and gradually expand the scope of daily newspapers to all secondary branches in combination with the construction of the information management system of the People's Bank of China. The second is to establish a ten-day monitoring or evaluation system. Conditional areas can try to monitor or assess according to the average level of every ten days.
Eight, urban credit cooperatives and other non-bank financial institutions that have not set up accounts in the People's Bank of China may be included in the assessment reserve with the approval of the local branches of the People's Bank of China.