财新传媒
经济 > 财新英语 > 正文

E-Credit Card 网络信用卡

2014年05月16日 15:44 来源于 财新网
微信、支付宝同天宣布与中信银行合作推出网络信用卡之后仅仅两天,央行紧急下达函件叫停相关业务。网络信用卡究竟是什么?跟实体信用卡有什么区别?能不能用?有何风险?英伦小哥Will带你解读。
音频:

E-credit card 网络信用卡

E-credit cards are like regular credit cards except they have much lower credit limits and, of course, are not tangible. Instead, they appear to users as features built into mobile phone apps. Two companies had planned to launch the service in China, but were told by the central bank to put their plans on hold. In March, the third-party payment service Alipay and messaging app WeChat said they would work with China CITIC Bank to issue cards that allow users to make purchases on credit on shopping sites and pay later from their bank accounts. Users would manage their credit cards through the apps. The companies said users would not need to disclose asset information to apply for e-credit cards because they can assess creditworthiness based on applicants’ shopping records. The central bank was not satisfied with this explanation and wants more research on how the operators can verify the identity of users and protect their information.

版面编辑:喻竹杨洋
推广

财新网主编精选版电邮 样例
财新网新闻版电邮全新升级!财新网主编精心编写,每个工作日定时投递,篇篇重磅,可信可引。
订阅