The Regulation of Ping An Fu Technology Service Co., Ltd. refers to the part where the deposits of commercial banks in the central bank exceed the statutory deposit reserve ratio, which is generally called excess reserve, also known as "payment reserve".
Broadly speaking, the payment reserve includes cash on hand and deposits in the central bank. The former is called cash reserve and the latter is called deposit reserve, in which deposit reserve is the main body.
China's general payment reserve, that is, reserve fund, is a narrow deposit reserve, that is, the deposits deposited by financial institutions such as commercial banks in the central bank.
China commercial banks and other financial institutions in accordance with the provisions of the proportion of deposit reserves deposited in the central bank, in addition to the decline in customer deposits can be reduced or returned, shall not be withdrawn or used. Actually, it can't be used as a payment preparation.
Since 1989, the central bank has approved the ratio of payment reserve to customer deposits according to the different conditions of commercial banks and other financial institutions. Unless there are special circumstances, the deposit in the central bank shall not be lower than this ratio.
With regard to reserve funds, the People's Bank of China issued the Notice of the General Office of the People's Bank of China on Implementing Centralized Deposit and Management of Customer Reserve Funds of Payment Institutions on the afternoon of 20 17 13, making it clear that the customer reserve funds generated by third-party payment institutions in the course of transactions will be uniformly deposited in designated accounts and supervised by the central bank, and payment institutions shall not misappropriate or occupy customer reserve funds. _ _ _ _ Ping An Fu Technology Service Co., Ltd. was established on May 30, 2006 and registered in Futian Branch of Shenzhen Municipal Market Supervision Administration. The legal representative is Zhong Yi, whose business scope includes software, network development and maintenance services, commercial platform services and public software services.
Settlement reserve refers to the funds deposited by settlement participants in their fund settlement accounts for securities trading and non-trading settlement in accordance with the provisions of these Measures. A clearing participant shall open a fund settlement account with the Company and deposit the settlement reserve. The fund settlement account is the settlement reserve account. When applying for opening a fund settlement account, a settlement participant shall submit the following materials:
(1) Qualification certificates of clearing participants.
(2) Power of attorney of the legal representative;
(3) An application form for opening a fund settlement account;
(4) Seal card of fund settlement account;
(5) Power of attorney for the designated collection account;
(6) A copy of the identity certificate of the agent;
(7) Other materials required by the company.
The bank card was deducted for no reason.
If the bank card is deducted without reason, you can find out what caused the deduction. Under normal circumstances, bank cards will not be deducted for no reason, which may be a withholding function opened by users and automatically deducted when it expires. When it is determined that the withholding function is not enabled, it is necessary to check whether the bank card has been stolen, and report to the police in time and freeze the bank card when the amount of stolen credit is large.
Users should not bind to certain platforms casually when using bank cards in their daily lives, and pay attention to shielding when spending their cards to avoid the disclosure of transaction passwords. In the daily use of bank cards, short message service can be opened, which can also improve the security of bank cards.
Bank cards are generally divided into debit cards and credit cards. Debit cards cannot be overdrawn, and users can only deposit before using them. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Credit card has a certain amount, so you can spend it first and then repay it, and you can't overdue it. Credit cards are divided into credit cards and quasi-credit cards.
Debit cards can be processed directly at the bank counter, and the bank will charge a certain fee when applying. Credit cards can be applied through different channels, such as bank counters, bank official website and mobile banking. When applying, different users get different amounts.
There is an additional consumption record on the credit card, which shows yeepay (funds provided by customers). What's going on here?
Yeepay (customer reserve fund) is a third-party customer reserve fund, which means that users use bank cards to pay through third-party payment software (such as Tenpay/Alipay), but the payee has not received the funds deposited in the payment institution.
For example, after shopping in Taobao, as long as the user does not confirm the receipt of the goods, the payment will not be transferred to the seller for the time being, but will be temporarily stored in Alipay platform, and this money is the customer reserve.
The People's Bank of China issued the Measures for the Deposit and Management of Customer Reserves of Payment Institutions, in order to standardize the management of customer reserves of payment institutions, protect the legitimate rights and interests of the parties, promote the healthy and orderly development of the payment industry, and maintain financial and social stability.
2065438+On June 7, 2003, the People's Bank of China promulgated the Measures for the Administration of Deposits of Customers' Reserves of Payment Institutions, which will take effect as of the date of promulgation.
The customer's reserve funds received by the payment institution must be fully deposited into the special deposit account for reserve funds opened by the payment institution in the reserve bank. The payment institution and the reserve bank or its authorized branch shall report to the branch of China People's Bank where the payment institution is located within 5 working days from the date of signing the self-provided payment agreement.
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Yeepay is a pioneer and leader in the payment industry in China, and also a leading enterprise in Internet finance and mobile Internet. Yibaocheng was established in August 2003, headquartered in Beijing, with more than 1000 employees.
Yeepay has 30 branches in Beijing, Shanghai, Tianjin, Guangdong, Sichuan, Zhejiang, Shandong, Jiangsu, Fujian and other provinces and cities, leading electronic payment, mobile internet and internet finance.
Epro Public Welfare is one of the three public welfare platforms on the Internet. In order to give full play to the social value of electronic payment and actively practice corporate social responsibility, Epro has created a new model of online public welfare and advocated the concept of "charity for all".
Since its establishment in 2008, Epro has settled in more than 50 charitable organizations such as UNICEF, One Foundation and Foundation for Poverty Alleviation, and has played an important role in donation activities such as Wenchuan earthquake, Zhouqu mudslide and helping leukemia children. Especially in the Wenchuan earthquake, in just half a month, more than 70,000 netizens raised nearly 20 million yuan through Epro Charity.
20 13 12, leading the trend of mobile internet public welfare, launching the platform of mobile phone donation for Epro public welfare, and settling in the first batch of projects such as free lunch and public welfare on the way to school. In the same month, yeepay and the China Literature and Art Foundation launched the "Sunglow Project Special Fund".