人行跨行支付取消手续费的规定
人行跨行支付取消手续费的规定
网上银行转账手续费    英文回答：
    In April 2021, the People's Bank of China (PBOC) announced the implementation of a new regulation to remove fees for interbank transfers within China. This policy change was aimed at promoting the use of electronic payments, reducing transaction costs for individuals and businesses, and facilitating financial inclusion.
    The regulation applies to all interbank transfers initiated through mobile banking, online banking, and other electronic channels. It covers transfers between accounts held at different banks, regardless of the amount or location of the sending and receiving accounts.
    There are several benefits to this policy change. First, it reduces transaction costs for individuals and businesses. Previously, interbank transfers incurred a fee of up to 5 RMB (approximately 0.75 USD). This fee could add up over time, especially for frequent users of interbank transfers. The removal of fees makes it more affordable for individuals and businesses to make electronic payments.
    Second, the policy change promotes the use of electronic payments. In China, cash is still the most widely used form of payment. However, electronic payments offer a number of advantages, such as convenience, security, and efficiency. The removal of fees makes electronic payments more attractive to individuals and businesses, and could help to accelerate the adoption of cashless payments in China.
    Third, the policy change facilitates financial inclusion. In rural areas of China, access to banking services can be limited. The removal of fees for interbank transfers makes it easier for individuals in rural areas to make and receive payments, and could help to increase their participation in the formal financial system.
    The implementation of this new regulation is a significant step towards promoting the use of electronic payments and reducing financial barriers in China. It is expected to have a positive impact on the economy and society as a whole.
    中文回答：
    人民银行取消跨行支付手续费的规定。
    2021年4月，中国人民银行（PBOC）宣布实施一项新规定，取消境内跨行转账手续费。这一政策变动的目标是促进电子支付的使用，降低个人和企业的交易成本，并促进普惠金融。
    该规定适用于通过手机银行、网上银行和其他电子渠道发起的全部跨行转账。它包括不同银行账户之间的转账，无论金额或收发账户的位置如何。
    这项政策变动有以下几个好处。首先，它降低了个人和企业的交易成本。以前，跨行转账的费用高达 5 元人民币（约 0.75 美元）。对于经常使用跨行转账的人来说，这笔费用会随着时间的推移而增加。取消手续费使个人和企业能以更低的成本进行电子支付。
    其次，这项政策变动促进了电子支付的使用。在中国，现金仍然是最广泛使用的支付形式。但是，电子支付提供了许多优势，例如便利、安全和高效。取消手续费使电子支付对个人和企业更具吸引力，并且可能有助于加快中国无现金支付的采用。
    第三，这项政策变动促进了普惠金融。在中国农村地区，获得银行服务的机会可能受到限制。取消跨行转账手续费使农村地区的个人更容易进行和接收支付，并且可能有助于增加他们参与正规金融体系的程度。
    这项新规定的实施是促进电子支付使用和降低中国金融障碍的重要一步。预计它将对经济和整个社会产生积极的影响。

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