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央行发文!今后用支付宝、微信等缴税有规可依了 - 站长搜索
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央行发文!今后用支付宝、微信等缴税有规可依了

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2019-09-06 01:50:08 转载来源: 澎湃新闻

(原标题:用支付宝等缴税有规可依,央行发文规范支付机构参与国库经收) 澎湃新闻记者 陈月石今后个人可以更有保障地通过支付宝、微信等第三方支付APP缴纳税收等预算收入资金了。为规范非银行支付机构、商业银行和清算机构提供国库资金经收支付服务的行为,维护国库资金安全,保障缴款人合法权益,中国人民银行起草了《国库资金经收支付服务管理办法(试行)(征求意见稿)》,并向社会公开征求意见,意见反馈截止时间为2019年9月18日

(原标题:用支付宝等缴税有规可依央行发文规范支付机构参与国库经收)

澎湃新闻记者 陈月石

今后个人可以更有保障地通过支付宝、微信等第三方支付APP缴纳税收等预算收入资金了。

为规范非银行支付机构、商业银行和清算机构提供国库资金经收支付服务的行为,维护国库资金安全,保障缴款人合法权益,中国人民银行起草了《国库资金经收支付服务管理办法(试行)(征求意见稿)》,并向社会公开征求意见,意见反馈截止时间为2019年9月18日。

支付宝里的税务服务

所谓国库资金经收支付服务,是指非银行支付机构依托商业银行或清算机构与国库直连的网络通道,共同为各类预算收入经收入库提供的网络支付服务。国库资金经收支付服务是国库经收业务的延伸,是仅面向个人银行结算账户提供的网络支付服务。

“近年来,随着微信、支付宝等非银行支付机构APP应用不断广泛,缴款人通过非银行支付机构缴纳税收等预算收入资金的需求日益强烈,一些非银行支付机构也表现出参与提供国库经收支付服务的意愿,各地纷纷开展了涉及非银行支付机构参与经收的业务创新。这些创新业务对国库管理经收业务构成了新的挑战,迫切需要出台有关制度明确非银行支付机构参与国库经收的各项要求。”央行在《国库资金经收支付服务管理办法(试行)(征求意见稿)》的起草说明中称。

具体来说,国库资金经收支付服务包括两种业务模式,一是第三方支付机构通过清算机构与商业银行连接,依托商业银行直连国库的网络通道提供经收支付服务;二是非银行支付机构依托清算机构直连国库的网络通道提供经收支付服务。

根据《征求意见稿》,想要参与提供国库资金经收支付业务的第三方支付机构,必须获得互联网支付或移动电话支付业务许可,此外,最近三年分类评级均为B类及以上,且未发生重大违法违规行为。

《征求意见稿》明确,第三方支付机构只能依托国库收纳预算收入的现有渠道,配合商业银行、清算机构为缴款人提供支付服务。

考虑到国库资金性质的特殊性,《征求意见稿》规定第三方支付机构只能从国库、税务机关和缴款人拿到最少且必须的信息完成支付服务。

此外,为确保国库资金安全,《征求意见稿》禁止非银行支付机构在提供服务时从自身备付金账户扣款或停留资金。

为确保退库资金安全,《征求意见稿》在退库方面不允许非银行支付机构办理国库资金退库。

标签: 央行 发文 后用 支付 微信 缴税 可依


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