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风险控制与信息安全是支付创新的“命脉”。近年来,电子支付作为新型支付方式在国内获得快速发展,但与之相关的安全事件频频发生,也为行业敲响警钟。业内人士普遍认为,风险控制和管理将成为各大支付平台健康发展的“命脉”。中国人民银行近日发布数据显示,今年第二季度,全国银行机构共处理电子支付业务76.96亿笔,金额327.11万亿元,同比分别增长23.24%和30.31%。其中,网上支付业务66.81亿笔,金额321.14万亿元,同比分别增长15.45%和29.56%。相比之下,银行卡发卡量增速则连续放缓。截至今年二季度末,全国累计发行银行卡45.40亿张,环比增长
Risk control and information security pay the “lifeblood” of innovation. In recent years, as a new form of payment, electronic payment has enjoyed rapid development in the country. However, the frequent occurrence of security incidents related to it has also sounded the alarm for the industry. The industry generally believes that risk control and management will become the “lifeline” for the healthy development of major payment platforms. According to data released by the People’s Bank of China recently, in the second quarter of this year, the national banking institutions handled 7.696 billion electronic payment transactions with a total amount of 327.11 trillion yuan, up 23.24% and 30.31% respectively over the same period of last year. Among them, 6.681 billion online payment business, the amount of 321.14 trillion yuan, an increase of 15.45% and 29.56% respectively. In contrast, bank card issuance growth slowed down continuously. As of the end of the second quarter of this year, the total number of bank cards issued nationwide was 4.45 billion, an increase from the previous quarter