电子支付取消限额！央行征求意见

Core Viewpoint - The People's Bank of China (PBOC) has proposed to remove transaction limits on electronic payments and regulations on credit card overdraft interest rates, reflecting the evolution of mobile payment and user habits, and aligning with market-oriented reforms [1][2][8]. Group 1: Changes to Electronic Payment Regulations - The PBOC's announcement includes the deletion of electronic payment transaction limits, which were deemed outdated and no longer aligned with current business practices [3][6]. - The original limits of 1,000 yuan per transaction and 5,000 yuan per day for electronic payments are removed, indicating a shift from "small payment convenience" to "full scenario coverage" [8]. - The removal of limits allows banks to design higher-limit payment products, catering to corporate clients and high-end individual users [9]. Group 2: Credit Card Regulation Adjustments - The PBOC's modifications also include the removal of upper and lower limits on credit card overdraft interest rates, which were initially set to regulate a rapidly expanding market [12][17]. - The changes aim to enhance pricing flexibility, allowing banks to offer differentiated rates based on customer risk profiles, thus promoting consumer credit development [17]. - The removal of mandatory reporting for interest rate adjustments reduces administrative intervention, enabling banks to respond more flexibly to market changes [17].