电子交易额度解绑、信用卡透支利率更灵活？央行新规征求意见

Core Viewpoint - The People's Bank of China (PBOC) is seeking public opinion on proposed amendments to the "Electronic Payment Guidelines (First Edition)" and three other regulatory documents to enhance financial legal construction and improve the central bank's legal framework [2][6]. Group 1: Amendments to Electronic Payment Guidelines - The amendments include the removal of regulations on electronic payment transaction limits and the management of credit card overdraft interest rates [4][8]. - Specific changes involve deleting provisions that limit individual electronic payment transactions to a maximum of 1,000 RMB per transaction and a daily cumulative limit of 5,000 RMB [4]. - The guidelines will now encourage banks to handle disputes with customers promptly and responsibly, promoting mediation and arbitration as means to resolve conflicts [5][6]. Group 2: Credit Card Regulations - The PBOC will also remove the upper and lower limits on credit card overdraft interest rates, which were previously set at a maximum daily interest rate of 0.05% and a minimum of 0.035% [8][16]. - Other deletions include requirements for credit card issuers to disclose application conditions and product features, as well as the need to report interest rate adjustments to the PBOC [11][14]. - The changes reflect a shift towards market-driven pricing for credit card interest rates, allowing issuers to set rates based on customer risk profiles and creditworthiness [17].