中国支付清算协会谈客户资金安全保障措施

Core Viewpoint - The China Payment and Clearing Association emphasizes the importance of safeguarding customer funds in electronic payment systems, outlining the responsibilities of both users and service providers in ensuring security [1][2]. User Responsibilities - Users must provide accurate application materials reflecting their true intentions, carefully verify payment instructions, and securely manage transaction passwords and electronic signature data. They are required to promptly notify service providers if security tools are lost, stolen, or used for unauthorized payments [1]. - Relevant laws such as the Anti-Money Laundering Law and the E-Commerce Law mandate users to provide valid identification and verify payment details before initiating transactions [1]. Service Provider Responsibilities - Service providers are tasked with verifying customer identities, obtaining payment authorizations, and defining limits on payment tools, transaction types, and locations. They must also alert users to transaction risks and monitor suspicious accounts and transactions [2]. - The Anti-Money Laundering Law requires financial institutions to establish customer identification systems and report large or suspicious transactions, while the Anti-Telecom Network Fraud Law mandates necessary preventive measures for identified anomalies [2].