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20???行卡“沉睡”中,?妥善?理了

?源: 南方日?网?版     ??: 2018年10月18日 11:49:13
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(原)(?)(?)(:20?)(?)(?)(行)(卡)(“沉)(睡)(”中)(,?)(妥)(善)(?)(理)(了)(
?)(?)(行)(卡)(存)(取)(工)(?)(款)(、刷)(?)(行)(卡)(消)(?)(、用)(?)(行)(卡)(?)(?)(?)(乃)(至)(信)(用)(消)(?)(,?)(在)(中)(?)(不)(?)(十)(几)(年)(的)(事)(,我)(?)(一)(度)(?)(?)(入)(“卡)(?)(代)(”而)(欣)(喜)(。然)(而)(,在)(人)(?)(享)(受)(“卡)(?)(代)(”金)(融)(服)(?)(便)(利)(的)(同)(?)(,也)(出)(?)(一)(?)(?)(重)(的)(?)(?)(——“沉)(睡)(卡)(”的)(日)(益)(?)(累)(。
作)(者)(胡)(敏)((?)(家)(行)(政)(?)(院)(研)(究)(?)(、中)(新)(?)(?)(特)(?)(?)(家)()
所)(?)(“沉)(睡)(卡)(”,指)(的)(是)(在)(6?)(月)(?)(未)(?)(生)(主)(?)(金)(融)(交)(易)(,包)(括)(消)(?)(、存)(取)(?)(和)(?)(?)(交)(易)(的)(。前)(不)(久)(,中)(?)(?)(行)(?)(?)(?)(?)(布)(了)(一)(?)(?)(据)(,截)(至)(2016年)(底)(,?)(行)(卡)(累)(?)(?)(卡)(量)(?)(到)(了)(63.7?)(?)(,按)(照)(2016年)(末)(?)(地)(?)(人)(口)(13.8?)(人)(?)(算)(,每)(人)(持)(有)(的)(?)(行)(卡)(?)(量)(?)(近)(5?)(,而)(累)(?)(活)(卡)(量)(只)(有)(41.8?)(?)(,“沉)(睡)(卡)(”21.9?)(?)(,已)(?)(占)(到)(了)(1/3。也)(就)(是)(?)(,每)(人)(持)(有)(的)(“沉)(睡)(卡)(”基)(本)(?)(到)(2?)(。
“沉)(睡)(卡)(”存)(在)(什)(么)(?)(?)(?
事)(?)(上)(也)(是)(如)(此)(,我)(?)(普)(通)(人)(?)(?)(去)(?)(的)(?)(行)(?)(?)(折)(子)(到)(如)(今)(的)(?)(行)(卡)(,?)(了)(生)(活)(工)(作)(方)(便)(,基)(本)(上)(都)(要)(?)(好)(几)(?)(。?)(?)(?)(行)(?)(?)(?)(展)(和)(?)(?)(的)(需)(要)(,不)(同)(的)(商)(?)(?)(行)(又)(推)(出)(各)(?)(?)(定)(性)(服)(?)(,特)(?)(是)(理)(?)(功)(能)(的)(增)(加)(和)(信)(用)(消)(?)(的)(拓)(展)(,一)(家)(一)(?)(?)(理)(若)(干)(?)(?)(行)(卡)(,是)(再)(普)(通)(不)(?)(的)(事)(。而)(?)(?)(就)(在)(于)(,卡)(多)(了)(,我)(?)(?)(常)(使)(用)(的)(也)(就)(几)(?)(,?)(?)(?)(了)(,不)(少)(卡)(就)(?)(入)(了)(“休)(眠)(”?)(?)(。“沉)(睡)(卡)(”?)(?)(行)(和)(客)(?)(?)(?)(,?)(?)(上)(都)(是)(冗)(余)(?)(?)(或)(?)(效)(?)(?)(。
“沉)(睡)(卡)(”的)(大)(量)(累)(?)(,?)(?)(了)(?)(多)(?)(?)(,一)(是)(管)(理)(“沉)(睡)(卡)(”?)(?)(?)(力)(,?)(期)(占)(用)(?)(行)(部)(分)(人)(力)(?)(源)(,加)(?)(了)(?)(行)(的)(?)(?)(?)(?)(,提)(高)(了)(?)(行)(的)(服)(?)(成)(本)(;二)(是)(?)(期)(?)(置)(?)(行)(卡)(,也)(增)(加)(了)(不)(少)(金)(融)(?)(患)(。我)(?)(常)(有)(耳)(?)(,一)(些)(不)(法)(分)(子)(利)(用)(一)(?)(身)(份)(?)(?)(理)(大)(量)(?)(行)(卡)(或)(者)(利)(用)(他)(人)(的)(“沉)(睡)(卡)(”作)(案)(。?)(?)(第)(三)(方)(支)(付)(?)(?)(的)(快)(速)(?)(展)(,第)(三)(方)(支)(付)(机)(构)(、外)(包)(服)(?)(商)(等)(成)(?)(了)(不)(法)(分)(子)(的)(攻)(?)(?)(象)(,部)(分)(第)(三)(方)(机)(构)(?)(?)(留)(存)(?)(行)(卡)(磁)(?)(?)(据)(等)(?)(?)(突)(出)(。而)(通)(?)(“沉)(睡)(卡)(”?)(取)(?)(些)(?)(?)(?)(持)(卡)(人)(身)(份)(?)(等)(重)(要)(信)(息)(的)(磁)(?)(,就)(成)(?)(不)(法)(分)(子)(犯)(罪)(的)(重)(要)(手)(段)(;三)(是)(“沉)(睡)(卡)(”的)(存)(在)(,也)(?)(用)(?)(付)(出)(了)(更)(多)(的)(管)(理)(精)(力)(,增)(加)(了)(用)(?)(的)(信)(息)(泄)(露)(及)(其)(他)(?)(益)(受)(?)(的)(?)(?)(。
因)(此)(,?)(?)(?)(?)(行)(的)(服)(?)(?)(?)(,堵)(住)(管)(理)(服)(?)(漏)(洞)(,降)(低)(侵)(?)(以)(及)(犯)(罪)(?)(?)(,?)(?)(用)(?)(合)(法)(?)(益)(,清)(理)(“沉)(睡)(卡)(”乃)(?)(?)(之)(急)(。去)(年)(9月)(,中)(?)(人)(民)(?)(行)(?)(布)(了)(《?)(于)(加)(?)(支)(付)(?)(算)(管)(理)(防)(范)(?)(信)(网)(?)(新)(型)(?)(法)(犯)(罪)(有)(?)(事)(?)(的)(通)(知)(》,要)(求)(各)(大)(?)(行)(?)(?)(?)(同)(一)(存)(款)(人)(?)(?)(?)(量)(?)(多)(的)(情)(?)(?)(行)(摸)(排)(清)(理)(,要)(求)(存)(款)(人)(作)(出)(?)(明)(,核)(?)(其)(?)(?)(的)(合)(理)(性)(。?)(于)(?)(法)(核)(?)(?)(?)(合)(理)(性)(的)(,要)(求)(?)(行)(引)(?)(存)(款)(人)(撤)(?)(或)(者)(?)(并)(?)(?)(,或)(者)(采)(取)(降)(低)(?)(?)(?)(?)(等)(措)(施)(。
自)(今)(年)(7月)(15日)(?)(始)(,?)(了)(?)(?)(安)(全)(保)(障)(,不)(少)(商)(?)(?)(行)(已)(?)(?)(始)(?)(?)(期)(未)(使)(用)(且)(?)(?)(余)(?)(?)(零)(的)(?)(行)(卡)(?)(行)(?)(?)(?)(理)(,并)(?)(立)(一)(些)(?)(准)(?)(存)(款)(人)(?)(用)(?)(?)(分)(?)(机)(制)(,可)(以)(?)(客)(?)(合)(理)(存)(放)(?)(金)(,保)(?)(?)(金)(安)(全)(。但)(是)(,在)(清)(理)(“沉)(睡)(”?)(行)(卡)(的)(?)(卡)(合)(并)(等)(?)(?)(?)(程)(中)(,必)(?)(遵)(守)(契)(?)(原)(?)(,也)(必)(?)(尊)(重)(用)(?)(合)(法)(?)(益)(。?)(行)(在)(清)(理)(“沉)(睡)(卡)(”?)(,要)(与)(用)(?)(?)(商)(一)(致)(,征)(得)(用)(?)(的)(同)(意)(,?)(用)(?)(自)(愿)(?)(?)(,而)(不)(能)(?)(了)(?)(省)(事)(、赶)(?)(度)(,?)(?)(清)(理)(公)(告)(了)(事)(。
金)(融)(科)(技)(?)(新)(催)(促)(?)(行)(?)(服)(?)(?)(革)(
其)(?)(,清)(理)(“沉)(睡)(卡)(”,?)(?)(金)(融)(科)(技)(特)(?)(是)(互)(?)(网)(金)(融)(技)(?)(的)(快)(速)(?)(展)(,解)(?)(起)(?)(已)(?)(不)(是)(?)(事)(。而)(清)(理)(“沉)(睡)(卡)(”背)(后)(的)(催)(生)(?)(行)(服)(?)(的)(大)(提)(升)(、金)(融)(技)(?)(的)(大)(?)(革)(、金)(融)(?)(管)(的)(大)(覆)(?)(,才)(是)(?)(?)(的)(本)(?)(。
最)(近)(,十)(分)(火)(?)(的)(“刷)(?)(支)(付)(”,就)(是)(利)(用)(人)(工)(智)(能)(和)(人)(?)(?)(?)(技)(?)(完)(成)(支)(付)(交)(易)(,?)(?)(金)(融)(服)(?)(?)(?)(了)(一)(?)(大)(跨)(越)(。在)(金)(融)(技)(?)(革)(新)(和)(金)(融)(信)(息)(共)(享)(?)(代)(,作)(?)(一)(?)(?)(?)(金)(融)(?)(?)(的)(?)(行)(卡)(?)(?)(一)(旦)(与)(与)(?)(代)(信)(息)(基)(?)(高)(度)(融)(合)(,必)(然)(?)(?)(?)(行)(卡)(支)(付)(?)(?)(的)(?)(革)(。
同)(?)(,用)(?)(也)(可)(以)(通)(?)(快)(捷)(支)(付)(方)(式)(?)(行)(?)(上)(支)(付)(。移)(?)(支)(付)(更)(是)(?)(?)(上)(?)(下)(相)(?)(合)(,集)(行)(?)(?)(用)(于)(一)(体)(。客)(?)(出)(?)(不)(再)(需)(要)(?)(多)(?)(?)(行)(卡)(,不)(需)(要)(再)(?)(大)(量)(零)(?)(,不)(?)(?)(行)(卡)(,公)(交)(卡)(,一)(部)(手)(机)(就)(可)(以)(完)(成)(。所)(以)(?)(,商)(?)(?)(行)(在)(扮)(演)(?)(?)(?)(?)(管)(理)(的)(角)(色)(同)(?)(,更)(?)(?)(?)(展)(服)(?)(模)(式)(,在)(?)(卡)(上)(适)(?)(新)(的)(要)(求)(,突)(出)(?)(品)(新)(的)(特)(性)(,?)(?)(品)(、渠)(道)(等)(方)(面)(?)(极)(?)(新)(?)(行)(卡)(支)(付)(?)(?)(。服)(?)(?)(合)(性)(和)(系)(?)(安)(全)(性)(,保)(?)(?)(行)(卡)(支)(付)(?)(?)(的)(健)(康)(高)(效)(?)(展)(。
?)(然)(,金)(融)(技)(?)(再)(?)(展)(,?)(行)(作)(?)(?)(代)(服)(?)(?)(,?)(是)(服)(?)(?)(本)(,?)(就)(要)(求)(?)(行)(更)(要)(以)(便)(捷)(性)(?)(足)(客)(?)(良)(好)(体)(?)(需)(求)(、以)(?)(合)(性)(?)(足)(客)(?)(多)(?)(化)(需)(求)(、以)(安)(全)(性)(?)(足)(客)(?)(放)(心)(用)(卡)(的)(需)(求)(,既)(解)(?)(好)(?)(行)(?)(源)(优)(化)(配)(置)(?)(?)(,更)(?)(?)(大)(用)(?)(提)(供)(安)(心)(、放)(心)(、可)(持)(?)(的)(用)(卡)(?)(境)(,?)(而)(共)(同)(促)(?)(?)(行)(卡)(支)(付)(?)(?)(的)(快)(速)(健)(康)(?)(展)(。(中)(新)(?)(?)(APP)
【?)(家)(?)(介)(】胡)(敏)(,?)(家)(行)(政)(?)(院)(研)(究)(?)(、?)(家)(行)(政)(?)(院)(出)(版)(社)(副)(社)(?)(,?)(?)(?)(博)(士)(,兼)(?)(家)(行)(政)(?)(院)(中)(?)(特)(色)(社)(?)(主)(?)(理)(?)(研)(究)(中)(心)(特)(?)(研)(究)(?)(、中)(?)(?)(?)(事)(?)(和)(外)(交)(研)(究)(中)(心)(研)(究)(?)(,重)(?)(智)(?)(研)(究)(?)(。
中)(新)(?)(?)(版)(?)(所)(有)(,未)(?)(?)(面)(授)(?)(,任)(何)(?)(位)(及)(?)(人)(不)(得)(?)(?)(、摘)(?)(或)(以)(其)(它)(方)(式)(使)(用)(。本)(文)(不)(代)(表)(中)(新)(?)(?)(?)(?)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(?)(任)(?)(?)(:
?)(明)(:?)(文)(?)(?)(?)(代)(表)(作)(者)(本)(人)(,搜)(狐)(?)(系)(信)(息)(?)(布)(平)(台)(,搜)(狐)(?)(提)(供)(信)(息)(存)(?)(空)(?)(服)(?)(。
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