为应对1月14日央行“铁命令”，微信支付宝，对用户“撕破脸”
为应对1月14日央行“铁命令”，微信和支付宝，对用户“撕破脸”！
微信与支付宝作为国内移动支付行业的龙头，是第三方支付平台的代表。由于他们的便捷性，深受人们的喜爱。 特别是微信支付，借助社交平台超10亿用户的优势，用户量迅速上升。在去年的时候更是达到了6.5亿全球用户量，仅次于支付宝的9亿用户量，位于全球移动支付平台用户数量榜第二名。
央行最近下了一道“铁命令”，主要是针对第三方支付平台的备付金账户的。微信和支付宝当然是主要对象。央行要求，所有第三方支付平台必须在1月14号之前，将平台的备付金账户上交央行管理。所谓备付金，就是在第三方支付平台沉淀钱的账户。比如你存在支付宝或微信钱包里的钱，都存在平台的备付金账户。
备付金账户的收益是平台收入的一项重要来源，平台会将这些钱放在银行钱生钱。一般情况下，平台的这个账户的年化率是高于市场的，都是通过与银行之间的协商来确定，大概在4%左右。比如微信支付的备付金账面有1万亿，那么马化腾在这一年时间里什么都不干，就将400亿元收入囊中。
现在央行将这项权利收上来后，第三方移动支付平台会损失很大一笔。为了弥补这部分损失，他们只能对用户“撕破脸”，提高相应的服务收费。比如提现手续费什么的。其实早在今年上半年，微信和支付宝就收到了消息，开始这方面的部署。在这半年里，都不同程度的降低了提现额度，而且上调了提现收费。前段时间微信对民生银行提现手续费的上调，也是为了弥补一部分损失。
1月14号是最后期限，当微信和支付宝等第三方移动支付平台上交了备付金账户后，势必会逐渐调整一些服务的相关收费，来弥补损失。这也不能怪他们对用户“撕破脸”，毕竟移动支付的发展和维护都需要资金。他们发展好了，才能给我们带来更好的生活体验。所以这部分费用的最终承担者还是落到了我们消费者头上。
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