【新唐人2014年03月17日讯】日前，中共央行下发文件，要求网路“支付宝”、“财付通”等第三方支付机构，立即暂停线下二维码支付业务、和虚拟信用卡等有关业务。国内民众一片骂声，专家质疑，中共高层推出的金融体制改革是否空话？有评论指出，中共现任领导，企图用推行改革的方法，来维护中共政权，不过，中共在濒临解体前，已经一片混乱，民众在选择投资时，也并不知道这些业务的背景。
中国两大互联网集团“阿里巴巴”和“腾讯”，宣布推出虚拟信用卡两天之后，中国人民银行支付结算司13号下发紧急文件，叫停虚拟信用卡产品，同时叫停的还有“支付宝”、和“财付通”等第三方支付机构线下的二维码支付业务。
“支付宝”是中国最大电子商务企业–“阿里巴巴集团”旗下的产品，“财付通”则是“腾讯”旗下产品。近期“财付通”透过微信红包、和嘀嘀打车车费优惠等途径，吸引大量微信用户开通微信“财付通”。
中国股份制银行“中信银行”，两天前宣布，选择跟“阿里巴巴”和“腾讯”达成合作，推出虚拟信用卡。“中信银行”股价也因此持续上涨，而央行新的规定出来后，随即转为暴跌。
美国南卡罗莱纳大学艾肯商学院教授谢田：“实际上是为了保护垄断的既得利益集团的优势，和它的潜在的市场，这只是第一步，中国对互联网企业的打压可能还会继续扩大，继续深入，因为私人这些互联网金融的兴起，对国有银行体系带来了巨大的冲击。”
这一新规定出来后，央行支付结算司解释，叫停虚拟信用卡和二维码支付业务，主要是从客户支付安全的角度出发。
中国人民银行支付结算司副司长周金黄公开说，央行对金融创新一直持鼓励态度，暂停相关业务主要是出于，对保护消费者权益和风险防控等方面的考虑，目地是为了更好的促进互联网金融行业的健康发展。
谢田：“这一定是他们的借口，正常社会保护消费者利益，应该从立法着手，从开放金融业的竞争着手。这显然不是中国的银行要做的。”
刚刚结束的中共“两会”在《政府工作报告》提出，今年要促进互联网金融健康发展，完善金融监管协调机制。中国央行行长周小川也表示，“不会取缔余额宝等金融产品，但会加大对互联网金融的监管”。
新唐人评论员赵培：“它所有的银行，金融机构，余额宝都算上，都是拿百姓的钱，国家的钱，出去放贷，中间赚取的巨额的都被拿走了，谁在做这个生意，谁能做这个生意﹖”
据大陆《新财富》网报导，“阿里巴巴”老板马云的崛起，来源于他混迹的4个圈子，在这些圈子里充斥了“太子党”，包括中共前党魁江泽民的孙子江志成、以及中共政治局常委刘云山的儿子刘乐飞。
而“阿里巴巴”旗下的“支付宝”、“余额宝”、“增利宝”涵盖了从银行到基金的业务，江志成占“支付宝”七成五的股份。
美国互联网入门网站“雅虎”曾经出资10亿美元，帮助“阿里巴巴”。 2012年第三季度，为协助“阿里巴巴集团”回购“雅虎”持有的股份，“中国投资”公司联合“中信资本”、“国开金融”、和“博裕资本”等公司投资“阿里巴巴集团”，投资总额达20亿美元，其中“博裕资本”的合伙人之一，是中共前党魁江泽民的孙子江志成。
网上还流传很多关于马云和江泽民的文章，这些文章为了避免被删除，都采用哑谜的写法。
马云的背后还有一家叫做“博升投资”的公司，“博升”同样有着复杂的股东关系。
和大连富豪徐明交往密切的“合升实业”，曾经是“博升”的大股东之一，“博升”另一位股东郑建源，则是中国“平安保险集团”的间接大股东。
采访编辑/刘惠 后制/孙宁
What Is the Message Behind the CCP’s Suspension of Virtual Credit Card Plan?
Days ago, the Chinese Communist Party’s (CCP) central bank
issued a notice to suspend barcode payments and virtual
credit card services, provided by third-party agencies
such as Alibaba and Tencent.
The decision has been heavily criticized by the Chinese.
Scholars also question whether financial reform is only
empty talk of the party leaders.
Some comment that the current CCP leaders are trying
to maintain their governance with another round of reforms.
However, as the dying regime is already in total chaos,
it is hard for the Chinese to know the backgrounds
of any service provider when they make investment choices.
Only two days after Alibaba and Tencent, the two major
Internet groups in China announced their virtual credit card
plans, the People’s Bank of China (PBoC) issued an
urgent notice on 13th to suspend the plan.
The notice also halted barcode payment services provided
by their-party agencies, including Alibaba and Tencent.
Alipay is a product of Alibaba Group, the biggest
e-commerce group in China, and Tencent also provides
a similar payment service called Tenpay.
Recently, Tenpay has attracted many WeChat users
by giving WeChat gifts and discounts for a taxi-calling app.
Earlier this week, China CITIC Bank had announced
a plan to partner with Alibaba and Tencent in issuing
virtual credit cards.
The bank’s shares had consequently been rising
following the news.
However, after the plan was halted by PBoC,
CITIC saw an immediately slump in its shares.
Xie Tian, Professor at Aiken School of Business University
of South Carolina: “The move is indeed to protect vested
interest groups and their potential markets.
That may only be the first step.
The CCP authorities may suppress private e-commerce
enterprises even more in the future.
The reason is that those private Internet banks have
developed into a huge threat to the old
state-owned bank system.
The Payment Service Department of PBoC later
commented that the barcode payment and virtual
credit card services have been halted based on
payment security concerns.
Zhou Jinhuang, vice director of the PBoC’s Payment Service
Department, told the public that PBoC always supports
innovations in the financial sector.
Zhou said the suspension was made mostly to protect
consumers’ interests and control relevant risks,
such as to regulate the e-commerce businesses
in a healthier manner.
Xie Tian: “That must be their excuses.
Normally speaking, improvement in legislation
and encouraging free competition are the correct moves
to protect consumers’ interests.
But obviously the CCP’s banks are doing
something very different.”
The CCP’s government work report, which was released
In the annual NPC meetings, said the party will work
on “regulating e-commerce in a healthier manner”
and “improving the supervision system over
the financial sector” in 2014.
Zhou Xiaochuan, the PBoC chief, said the central bank
“will not ban Internet financial products such as Yu’ebao,”
“but meanwhile will strengthen supervisions
over the industry.”
Zhao Pei, NTD commentator: “With no exception,
all the CCP’s banks and financial sectors, including
the service provider of Yu’ebao, are lending money
obtained from our people and the whole state.
But the money made by loans is taken away.
Who are running those businesses?
Who are able to run those businesses?”
According to xcf.cn, the website of China’s New Fortune
magazine, the success of Ma Yun, the chairman
of Alibaba Group, is closely related to four social circles.
Among those circles there are a lot of princelings,
including Jiang Zemin’s grandson Jiang Zhicheng
and Liu Yunshan’s son Liu Yunfei.
Alibaba’s financial products, including Alipay, Yu’ebao
and Zenglibao, have covered services from banking
to funds business.
The truth is, Jiang Zhicheng owns 75 percent
of Alipay shares.
In 2005, Yahoo invested a billion dollars to help Alibaba.
In the third quarter of 2012, “China Investment Co.”
cooperated with others including “CITIC Capital”,
“Guokai Financial” and “Boyu Capital” to help Alibaba
buy back its stakes from Yahoo.
The total amount of investment was $2 billion.
Among those investors, Jiang Zhicheng’s name
appeared again as a co-founder of “Boyu Capital”.
Many articles about Ma Yun and Jiang Zemin
can be found on the Internet.
However, all those articles play charades to
survive the CCP’s censorship.
Another company, Bosheng Investment,
is supportive of Ma Yun.
Shareholders of that company are also reported
to have complex connections between each other.
For example, Hesheng Industry that was closely related
to Dalian entrepreneur Xu Ming, was once a major
shareholder of Bosheng.
Another shareholder of Bosheng is Zheng Jianyuan,
who is also an indirect major shareholder
of Ping An Insurance Group.
Interview & Edit/Liuhui Post-Production/Shunling
