支付宝摊上事了！三大违法行为被公布，与你的钱包有关！

China’s central bank has fined the country’s leading third-party online payment platform Alipay around 180,000 yuan (28,500 US dollars) for deficiencies in consumers’ rights, misleading marketing, and privacy protection.

中国中央银行对中国领先的第三方支付平台支付宝处以人民币18万元(合2.85万美元)的罚款，原因是消费者权利、市场营销和隐私保护不力。

According to the statement released by the People’s Bank of China’s Hangzhou branch on its website, Alipay has been found violating rules in three main aspects: consumers’ rights, product promotion and personal information protection.

根据中国人民银行杭州分行在其网站上发布的声明，支付宝主要在三个主要方面违反了规定：消费者权益、产品推广和个人信息保护。

Firstly, Alipay didn’t fulfill its duty to guarantee consumers’ rights to know and rights to choose what data will be collected and how their data will be used.

首先，支付宝没有履行其保障消费者知情权以及对数据的收集和使用的选择权的义务。

Also, Alipay was found guilty in its misleading marketing, including delivering misleading information in video advertisements and posting misleading promotions on its official Weibo account.

此外，支付宝在营销中存在误导性，包括在视频广告中发布误导性信息，并在其官方微博上发布误导性的宣传。

Alipay has also failed to meet the principle of gathering the minimal and indispensable information and accused of improper use of users’ data.

支付宝也未遵循最低限度收集不可缺少信息的原则，并被指控使用用户数据不当。

Alipay responded to the fine on Sunday, saying that they had immediately launched an improvement plan. So far, various improving measures have been in place and accepted by authorities, reported by China News Service.

支付宝周日对罚款做出了回应，称他们立即启动了一项改善计划。据中国新闻社报道，到目前为止，各种改进措施已经到位并被当局接受。

This is not the first time Alipay has been fined. In May 2017, the People’s Bank of China’s Shanghai branch announced in a publication of administrative punishments that Alipay was fined 30,000 yuan (4,700 US dollars) for violating payment regulations. According to 2018’s third and fourth issue of China Forex journal, Alipay was fined 600,000 yuan (95,700 US dollars) for violating rules of cross-border payment services.

这已经不是支付宝第一次被罚款。2017年5月，中国人民银行上海分行在一份行政处罚公告中宣布，支付宝因违反支付规定被罚款3万元(4700美元)。根据2018年第三和第四期《中国外汇日报》的报道，支付宝因违反跨境支付服务规则被罚款人民币60万元(95,700美元)。