据了解，为了加强对银行卡收单业务的管理，央行起草了《银行卡收单业务管理办法（征求意见稿）》，并于2012年6月向社会公开征求意见。

We have learned,In order to strengthen the management of bank CARDS to receive single business,Central Banks drafted[Bank card to receive single business management approach(draft)],And in June 2012 to solicit opinions from the public.

　　办法中明确禁止收单机构对使用个人银行结算账户作为收单结算账户的个体工商户开通信用卡受理功能。该意见稿规定，与同一特约商户签约的收单机构只能有一家。对于较大的星级宾馆酒店、百货类商户，可有两家收单机构与其签约，但每个收银柜台只能摆放一台互联网通用的受理终端（POS机）。而且使用个人账户作为结算账户的个体工商户，其申请的POS机不得开通信用卡受理。

Way to explicitly banned accept single institution to use personal bank settlement account as closed single settlement account is individual and industrial and commercial door open function of the credit CARDS accepted.The draft regulations,Signed a contract with the same specially engaged in the receives can only have a single institution.For larger star-rated hotels/Department class merchants,Can have two single organization to sign,But each cashier counter handle only put a generic Internet terminal(The POS).And use the personal account as the settlement account of individual industrial and commercial households,The application of POS machine can not open the credit CARDS accepted.

　　对此，记者走访了沪上多家个体商户发现，多数商户都是使用个人银行账户作为结算账户，如果上述新规一旦实施，这些商户或将无缘用信用卡结账收款，而市民去个体商户买东西刷卡消费时也只能刷借记卡。同时，就个体小商户禁刷信用卡的新政，银行方面均解释称是信用卡套现在“作祟”。业内人士表示，上述规定主要是为了减少金融风险。

For this,Reporter visited the Shanghai merchants found several individuals,Most businesses use personal bank account as the settlement account,If these new rules once implemented,These merchants or will not use credit card payment,To individual businesses and citizens when brush calorie of consumption, also can only to brush the debit card to buy things.At the same time,Individual small merchants to ban new credit card,Banks are explained is credit card set now"work".The personage inside course of study says,The above regulations are aimed at reducing financial risks.

　　据了解，小微商户曾因交易量小一直未能受到各大银行重视，申请POS机门槛极高。但自2011年中国人民银行发放第三方支付牌照以来，第三方支付公司纷纷推出面向小微商户的收单服务，银行卡受理环境得到快速提升，信用卡现已成为小微商户的主要结算渠道之一。

We have learned,Small businesses have small volume is paid attention to the Banks have not been able to,To apply for the POS threshold is too high.But since 2011, since the people's bank of China grant third-party payment licences,Third-party payment companies have introduced single service for small businesses,Bank card acceptance environment get rapid ascension,Credit card has become one of the main settlement channels small micro businesses.

　　相关专家表示，新规意味着中国超过4000万个体工商户将受波及。

Relevant experts said,New rules mean China more than 40 million individual businesses will be affected.

开通须办理对公账户 Opening must be brought to account

　　那么，禁刷信用卡会对个体商户产生什么样的影响？

then,Ban credit CARDS will have what kind of effect for individual businesses?

　　记者日前走访了多家个体商户后发现，沪上60%以上的个体商户中均使用个人银行账户作为结算账户。商户向记者表示，每月前来消费的顾客中有半数多都使用信用卡结账。

After the reporter recently visited several individual businesses,In Shanghai for more than 60% of individual businesses use personal bank account as the settlement account.Merchants, told reporters,Monthly customers consumption in more than half have used credit card.

　　对于这些商户来说，假如个人银行结算渠道被关闭，如果想继续使用信用卡受理功能，只能办理对公账户。不过，这也会相应带来许多不便之处。“改成对公账户非常麻烦，用钱都要用支票，还要盖好几个章，而且维护成本高，每月都得交管理费。”一些商户向记者表示，他们更愿意以个人名义开立账户，因为银行不仅要求在办理对公账户时要缴纳开户费，每年还会有账户维护费、企业卡成本费等。但迫于即将可能出台的新政，他们还是打算去开对公账户。

For these businesses,If the personal bank settlement channel is closed,If you want to continue to use the credit card acceptance function,Can only be brought to account.but,This will bring many inconvenience."Change to be brought to account is very troublesome,With a cheque with money,Also cover several chapters,And high maintenance costs,Every month have to pay management fees."Some merchants told reporters,They are more willing to open an account in the name of individuals,Because the bank is not only required to remove only pay when deal with brought to account,Will there be any account maintenance fee every year/Enterprise's cost, etc.But is possible under the New Deal,They are going to open brought to account.

　　多数商户户主均表示出对开启对公业务后成本攀升的担忧，部分商户甚至表示一旦新政实施，将有可能放弃POS机，而只进行现金交易。

Most merchants householders have expressed concern about rising costs after open approaches to business,Some merchants even said once the new implementation,Is likely to give up POS machine,But only for cash transactions.

　　对于新政，一些刷卡人士也表示了疑虑。有市民表示，相对使用现金消费，他们更愿意刷信用卡，除了方便以外，消费还可计积分兑换礼品等，此外，去大型商场刷卡消费的次数毕竟有限，如果小商铺不能刷信用卡，适用范围也就变得非常有限，新政策出台应当考虑千万小微商户和持卡人的实际需求，防范风险不能简单取消业务，而应当加强监管。

The New Deal,Some also expressed doubts about the credit card.There are residents said,Relative to the use of cash consumption,They are more willing to credit CARDS,In addition to the convenience,Consumption can also gauge points for gifts, etc,In addition,After all, the number of large shopping malls to brush calorie of consumption is limited,If small shops can't credit card,Also becomes very limited application scope,New policies should consider the needs of thousands of small micro merchants and cardholders,Risk cannot simply cancel the business,And shall strengthen the supervision.

新政或引发银行圈地 The New Deal or trigger bank enclosure

　　采访中，也有银行业人士表示，新政可能产生的影响或许并不会非常大。据介绍，POS机安装分为“直联”和“间联”两种，前者是银联发展的商户，后者是银行自己发展的商户。在实际操作中，大多数个体POS机是“间联”方式安装的，并不在禁刷范围内。

In an interview,Bankers said,The New Deal may not be possible impact is very big.According to introducing,POS machine installation"Straight league"and"Between the united"Two kinds of,The former is unionpay merchants,The latter is merchants bank itself development.In the actual operation,Most of the POS machine is an individual"Between the united"Way to install the,Is not within the forbidden brush.

　　据了解，在一些酒店和大型商场，一般都有两家以上收单机构的POS机，一些小的商店甚至都有两家收单机构的POS机。

We have learned,In some hotels and shopping malls,Generally there are two or more single institutions accept POS machine,Even a small shop there are two single institutions accept POS machine.

　　有业内人士向记者透露，此前商户向有收单业务资格的银行申请POS机的门槛很低。部分银行出于争夺商户资源的需要大幅放松审核标准，只要商户提供营业执照和银行账号即可。在POS机押金费用收取上也实行“弹性化”，对有些刷卡金额大的商户甚至免收。

Have insiders told reporters,The merchants have to request business qualification of Banks for the threshold of the POS machine is very low.Part because of the need for competing for the business resources bank relaxing underwriting standards,As long as the business license and bank account number can be supplied by the merchant.On the POS deposit charges also"d.",To pay by credit card for some large businesses or even free.

　　“一旦实施新规，有些银行的POS机就要从商户处撤离，丢失终端市场，这是银行不愿意看到的。”上述人士预测，新规一旦实施，未来一段时间内终端争夺战将拉开帷幕。

"Once the new rules for its implementation,Some bank POS will be evacuated from the merchants,Loss of terminal market,This is what Banks don't want to see."The predict that the,Once the new rules,Terminals for the next period of time will be kicked off.

一竿子打死不可取 A bamboo pole killed is not desirable

　　业内人士指出，出台此项限制条款主要是基于前期国家反洗钱的法律法规不健全的背景，通过限制支付方式规避风险。但目前国家相关法律法规和各种风险管控体系已基本落实到位，条款的出台背景已经改变，通过技术手段已可以有效控制风险，“对所有的小微商户一竿子打死不可取。”

The personage inside course of study points out that,The limits are mainly based on the previous national anti-money laundering laws and regulations is not sound in the background,By limiting the payment risk aversion.But at present the country related laws and regulations and all kinds of risk control system has been basically put in place,Terms of the background has been changed,Through technical means can effectively control risk,"For all the small micro merchants a bamboo pole killed is not desirable."

　　国内某收单机构负责人表示，目前国家正在大力推动小微经济的发展，应当为其生存、发展创造良好的外部条件。实际上，个体商户因交易量和交易额有限，相比非个体商户风险率更低、更易监控。

A closed domestic single agency officials said,At present the country are vigorously promote the development of small micro economy,Should be for its survival/Development to create a good external conditions.In fact,Individual businesses because of volume and trading co., LTD,Compared to individual businesses risk rate is lower/Are more likely to monitor.

　　经济研究人士认为，对于信用卡受理门槛的粗放限制，将可能导致小微企业客户流失，这与国家宏观层面“扶持小微企业、扩大内需”的经济发展目标相背离。而要解决恶意套现的问题，其根源在于重新平衡商户、银行、支付机构之间的利润让渡关系

People think that economic research,Extensive restrictions on credit CARDS accepted threshold,Could lead to small micro enterprise customer churn,This is the national macro level"Support small micro enterprises/Expanding domestic demand"Deviating economic development goals.To solve the problem of malicious cash,Its root lies in rebalancing merchants/The bank/The assignment of the profit relationship between payment mechanism

　　业内人士建议，针对个体商户的商业模式、技术支持、组织结构等进行一对一的调整，加强商户资质审核、设定交易限额、次日结算、取消联机退货等，都是行之有效的减少交易风险方式。

The personage inside course of study suggests,In view of the individual merchant business model/Technical support/One-on-one to adjust organization structure, etc,Strengthen business qualification/Set transaction limit/In the settlement/Cancel online returns, etc,Are effective way of reduce transaction risk.