这种担忧并非空穴来风。国际上已有类似教训。2019年，英国金融行为监管局（FCA）要求银行对“授权推送支付”（APP）诈骗承担更多责任后，部分银行大幅提高了转账确认门槛，导致中小企业支付效率下降；更有小型银行因赔付压力退出某些高风险业务线。

Architecture ...

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