中国支付清算协会：现有监管制度确保客户按需提取和支付自有资金

Core Viewpoint - The article discusses the effectiveness of electronic payment regulation in China, emphasizing the protection of user funds and the implementation of risk management measures by financial institutions [1][2]. Group 1: Regulatory Framework - The legal framework in China, including the Commercial Bank Law and the Payment Settlement Measures, ensures that users can freely deposit and withdraw their funds [1]. - The Non-Bank Payment Institution Supervision Regulation prohibits payment institutions from misusing or occupying reserve funds [1]. Group 2: Risk Management Measures - To mitigate liquidity risks and ensure customer fund safety, the regulatory system has detailed limit management based on risk levels and transaction types [2]. - The Electronic Payment Guidelines require banks to impose reasonable limits on electronic payment types, single transaction amounts, and daily cumulative payment amounts based on prudential principles [2]. - The Bar Code Payment Business Specification mandates banks and payment institutions to manage payment limits according to the risk tolerance of customers [2].