Reporters visited and found that although third-party payments such as Alipay are increasingly used, banks cannot print the funds flow of third-party payments even if they are bound to bank cards. When it comes to visas, car purchases, and house loans, , property certificates, etc. may encounter obstacles.

Screenshot of Alipay transaction record page

Recently, some citizens have reported that they are preparing to submit the relevant procedures for mortgage loans, but because most of their income and consumption are completed through Alipay, they cannot issue bank statements. Proof, causing the mortgage to be stranded. A reporter from the "Legal Evening News" found that although third-party payments such as Alipay are becoming more and more widely used, banks cannot print the funds flow of third-party payments even if they are bound to bank cards. When it comes to visas, car and house loans, and property certificates, There may be obstacles in other aspects.

According to the industry, due to the lack of regulations and supervision, there are currently very few institutions that recognize third-party payment certificates. Alipay said that it is currently negotiating with relevant units.

Encountered obstacles when submitting Alipay for home loan

Ms. Chen has booked a house in Xianghe and is about to go to the bank for an interview, but the bank requires her to issue proof of capital flow. Got into trouble.

“Alipay is bound to a bank card, but most of my income goes into Alipay, and very little money goes into my bank card. I also like to shop online, and most of my expenses go directly from Alipay.” Ms. Chen went to the bank to print out one year's bank statement, but when she applied for a mortgage, the bank told her that the statement was "hanging."

“The transaction only shows the details of quick payment with Alipay bank card, but when someone else transfers money to my Alipay, this income will not be displayed unless I transfer the money from Alipay to the bank card. "Ms. Chen said that others had several pages of paper, while her slip had less than 20 details, and the funds were even "pitiful". Even the salesperson from the developer who helped her buy a house said, "It's a miracle if it passes." .

"What can we do? We can't solve it with the bank statement, and I don't know when the loan will be available?" Ms. Chen was very distressed. She consulted the bank again, and the answer she got was "no way."

Visiting to print Alipay statements, the bank said "no"

Is it true that banks cannot print Alipay statements as Ms. Chen said? Yesterday afternoon, the reporter visited many banks in Beijing.

At the Agricultural Bank of China Jiusheshu Branch, the reporter said that his card was bound to Alipay and he wanted to print the flow of funds in and out of Alipay. The staff said: "If the money is transferred to Alipay through a bank card, the transaction will show the income; if the money is deducted from the bank card through quick payment, etc., the transaction will also be displayed, but it will only indicate the deduction from Alipay." < /p>

When the reporter said that most of the income and expenses were through Alipay and not through bank cards, the other party said, "The flow prints the changes in the funds in the bank card. If the funds only change in Alipay, There is no way to reflect it." When asked if there was a way for Alipay and the bank to jointly issue a certificate, the other party said "no".

In other banks, staff also gave similar answers. "As long as it's not from the bank, there's nothing we can do. You should ask Alipay. It has nothing to do with the bank." said a staff member of Bank of China Cuiping West Road Branch.

The Alipay statement cannot be used as "proof" when applying for a loan.

The Alipay statement cannot be printed. Can the bill provided by Alipay be used as proof of assets when applying for a loan?

" Some customers have indeed reported this problem in the past two years, but there is no way. Currently, only bank statements are accepted. "At the Jiushui Branch of the Bank of Beijing, a staff member said, "Even if the bank statements are not enough, statement bills paid by third parties cannot be accepted. Accepted." Asked about the reason, the staff member said that there are currently no relevant regulations to clearly explain this.

“If the bank’s statements are not good, you can only provide proof of deposit, and third-party statements will definitely not work.” said an employee in charge of loans at China Construction Bank.

Some banks print asset certificates

Can banks convert Alipay flow into bank flow loans? Do they recognize other methods of Alipay flow?

Bank of China No No/

p>

Agricultural Bank of China: No/

ICBC: No/

China Construction Bank: No, whether it issues a bank asset certificate

Bank of Communications: No/

Asking why the third-party payment transaction cannot be used as proof?

Third-party payment applications are becoming more and more widespread. Take Alipay as an example. Currently, there are More than 300 million real-name users. Reporters inquired and found that since September 2013, some users have wanted third-party payment institutions such as Alipay to issue transaction certificates, recharge certificates, balance certificates, monthly income and expenditure certificates, etc. due to reasons such as overseas visas, house mortgages, and tax audits. However, No unit currently accepts such a certificate. The reporter interviewed relevant agencies about this.

Alipay: Very few recognized units

This morning, the relevant person in charge of Alipay said that starting from last month, Alipay began to provide certification services, and users in need can call the customer service number , Alipay will mail or send scanned electronic versions of the certification documents stamped with the company's official seal to the user.

At the same time, the person in charge said that currently there are very few units that recognize Alipay’s flow or asset certificates.

“We are currently communicating with banks, courts, embassies and other institutions.” The person in charge said that this work will take some time.

Bank: Authenticity cannot be guaranteed

In interviews, bank staff stated that third-party payment flow cannot replace bank flow, and when asked about the specific reasons, the staff only It means that according to regulations, only bank statements can be accepted.

In the morning, a banking industry insider revealed that the main reason why banks do not recognize third-party payment flows is that they cannot currently guarantee their authenticity. “Banks are unwilling to take risks and act first. In contrast, banks There is already a complete system for official seals, printing channels, formats, etc. of statements and asset certificates, which is currently lacking in third-party payment.

The industry lacks reference and regulations and policies<. /p>

Yi Huanhuan, an Internet finance expert and deputy director of Hongyuan Securities Research Institute, said that as more and more people pay online, the scope of online payment is getting wider and wider, and some problems that have not been encountered before are Problems began to arise and attracted people’s attention, such as the issue of Alipay’s transaction and asset certificates, which involve multiple industries and related regulations.

“The reason why online payment asset certificates and transactions are not accepted by banks, courts, etc. , except that online payment is still a new thing and has no reference before, the main reason is the lack of regulations and policies. "

However, Yi Huanhuan said that as the scale of online payment continues to expand and users continue to become more popular, he believes that these problems will be solved in the future, "These will take some time. "Yi Huanhuan said.

For more real estate information, please pay attention to Changchun Real Estate Network

QQ group: 292509021