Komisheni inogamuchira vhoti yeParamende yeEuropean kubhadharisa mari yekuchinjana uye kugadzirisa makwikwi ekubhadhara kwakavakirwa pamakadhi

European Commission inogamuchira kugamuchirwa neParamende yeEuropean yeRegulation capping interchange fees yekubhadhara uchishandisa mutengi debit uye makadhi echikwereti nekuvandudza kukwikwidza kwese kubhadhara makadhi. Komisheni inofungidzira kuti mitemo kana ikashandiswa inogona kutungamira mukuderedzwa kwe6 bhiriyoni pagore mumari yakavanzika yemakadhi evatengi. The "Regulation on Interchange Fees for Card-based Payment Transactions", iyo inonyanya kutevera a Chikumbiro cheKomisheni kubva muna Chikunguru 2013, ichapawo rusununguko rwakawanda rwekusarudza kune vatengesi, kusimudzira kujeka kwekutengeserana kwemakadhi, uye kuvhura nzira yekuti tekinoroji yekubhadhara ivhurwe.

Kana mutengi achibhadhara kutenga muchitoro achishandisa kadhi rechikwereti kana rechikwereti, bhangi rinoshandira chitoro ("bhengi rinotora") rinobhadhara mubhadharo kubhangi rakapa kadhi rekubhadhara kumutengi ("bhengi rinoburitsa" ) Imwe inonzi "interchange fee" inobva yabviswa pamari yekupedzisira inotambirwa nemutengesi wechitoro kubva kubhangi rinenge richitora mari yacho. Nhasi, mitemo yemakwikwi chete inoderedza mari dzakatarwa nemabhangi uye zvirongwa zvemakadhi ekubhadhara, izvo zvakavanzwa kubva kumutengi uye hapana vatengesi kana vatengi vanogona kukanganisa. Kana vatengesi vachiendesa mitengo iyi kune vatengi izvi zvinogona kutungamirira kumitengo yakakwira. In its MasterCard kutonga yaSeptember 2014, Dare reEuropean Court of Justice rakajekesa kuti mari yekuchinjana kwakadaro kutyorwa kwemitemo yeEU yokusavimbana. Iyo Regulation ichabatsira iyo indasitiri yekubhadhara makadhi kubva kune yazvino bhizinesi maitiro kuenda kune itsva inokwikwidza system, kune kubatsira kwevatengi, vatengesi nemabhangi.

Semutemo wakajairwa, iyo Regulation ichabvisa mari yekuchinjana pa 0.2% yemutengo wekutengesa kwevatengi makadhi ekubhengi uye pa0.3% yemakadhi echikwereti evatengi. Kune makadhi ekubhengi evatengi, zvakare inopa kuchinjika kune Nhengo dzeNhengo kutsanangura yakaderera muzana caps uye kuisirwa huwandu hwemubhadharo. Kunze kwekubhadharisa mari dzekuchinjana, Mutemo unowedzerawo kujeka pamitero uye uchasimudzira makwikwi ezvirongwa zvemakadhi ekubhadhara nemabhangi nesemuenzaniso kugadzirisa nyaya dzemarezenisi uye mamwe mamiriro akaganhurira rusununguko rwekusarudza kwevatengesi.

Uyezve, iyo Regulation inobvisa zvipingamupinyi zvakakura kune hunyanzvi hwetekinoroji mumasarudzo ekubhadhara. Tekinoroji dzinobvumira vatengi kubhadhara nemakadhi avo echikwereti kana echikwereti online kana kushandisa nharembozha (neapps, mafingerprints, asingabatike "swipes", nezvimwewo), anowanikwa zviri nyore. Nekudaro, kusava nechokwadi pamitemo ine chekuita nemari yekuchinjana chave chimwe chezvikonzero zvinotsigira kushandiswa kwehunyanzvi uhu.

komishina Margrethe Vestager, anotarisira mutemo wemakwikwi, akati: "Kwenguva yakareba, isingakwikwi uye yakavanzika mari yekuchinjana kwebhangi yakawedzera mari yevatengesi nevatengi. Vhoti yanhasi yatiunza imwe nhanho pedyo nekugumisa izvi. Uyu mutemo uchaisa chivharo pa. mari yekuchinjana, ita kuti zvive pachena uye kubvisa chipingamupinyi chekufambisa matekinoroji ekubhadhara. Yakanakira vatengi, yakanakira bhizinesi uye yakanakira hunyanzvi uye kukura muEurope.Sezvo makadhi ari nzira dzinoshandiswa zvakanyanya dzekubhadhara online, uyu Regulation. zvakare inzvimbo yakakosha yekuvaka yekupedzisa European Digital Single Market."

Commissioner for Financial Stability, Financial Services uye Capital Markets Union, Jonathan Hill akati: "Ndinogamuchira iyi vhoti iyo ichaunza pachena uye chokwadi chepamutemo chemusika wemakadhi echikwereti. Inovhurawo nzira yekuwedzera kutsva uye kukwikwidza mumunda wekubhadhara kwepamhepo uye nharembozha. Chinonyanya kukosha, vatengesi vachaona mutengo wekubhadhara uchidonha, uye vatengesi vachaona kuti mari yekubhadhara inodonha. izvo zvinofanirwa kudzikisa mitengo yevatengi. "

Zvinyorwa zvepamutemo zvakavhoterwa neParamende zvinogona kuwanikwa pano. Ichiri kuda kubvumidzwa zviri pamutemo neKanzuru, iyo inotarisirwa zhizha risati rasvika gore rino.

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