Информация за освобождаване
Заповед на Народната банка на Китай
〔2010〕No.2No.
Accordingtothe“People’sBankofChinaLawofthePeople’sRepublicofChina”andotherlawsandregulations,thePeople’sBankofChinaformulatedthe“MeasuresfortheAdministrationofPaymentServicesforNon-FinancialInstitutions”.AdoptedattheofficemeetingoftheChiefExecutive,itisherebyannouncedandshallcomeintoforceonSeptember1,2010.
President:ZhouXiaochuan
14 юни 2010 г
Пълен текст на правилата
Нефинансови административни мерки за институционални платежни услуги
Глава Първа Общи разпоредби
Article1istopromotethehealthydevelopmentofthepaymentservicemarketandregulatethepaymentofnon-financialinstitutionsServicebehaviors,preventionofpaymentrisks,andprotectionofthelegitimaterightsandinterestsofthepartiesconcerned.Thesemeasuresareformulatedinaccordancewiththe"People'sBankofChinaLawofthePeople'sRepublicofChina"andotherlawsandregulations.
Article2Theterm“non-financialinstitutionpaymentservices”asmentionedintheseMeasuresmeansthatnon-financialinstitutionsactasintermediariesbetweenpayeesandpayeestoprovidesomeorallofthefollowingmonetaryandfundtransferservices:
(1) Онлайн плащане;
(2) Издаване и приемане на предплатени карти;
(3) Разписка от банкова карта;
(4) Китай Други платежни услуги, определени от Народната банка на Китай.
Theterm“onlinepayment”asmentionedintheseMeasuresreferstotheactoftransferringmonetaryfundsbetweenpayersandpayersbasedonpublicorprivatenetworks,includingcurrencyexchange,Internetpayment,mobilephonepayment,fixedphonepayment,digitalTVpaymentetc.
TheprepaidcardmentionedintheseMeasuresreferstotheprepaidvalueofgoodsorservicespurchasedoutsidetheissuinginstitutionforprofit-makingpurposes,includingtheuseofmagneticstripe,chipandothertechnologiesintheformofcards,passwords,etc.Aprepaidcardissued.
Терминът „придобиване на банкови карти“, както е споменат в тези мерки, се отнася до акта на събиране на парични средства за търговци на банкови карти чрез терминали на място за продажба (POS).
Article3Non-financialinstitutionsprovidingpaymentservicesshallobtainthe"PaymentBusinessPermit"inaccordancewiththeprovisionsoftheseMeasuresandbecomeapaymentinstitution.
PaymentinstitutionsacceptthesupervisionandmanagementofthePeople’sBankofChinainaccordancewiththelaw.
WithouttheapprovalofthePeople’sBankofChina,nonon-financialinstitutionorindividualmayengageinordisguisedlyengageinpaymentbusiness.
Article4Thetransferofmonetaryfundsbetweenpaymentinstitutionsshallbehandledbybankingfinancialinstitutions,andshallnotbehandledbymeansofmutualdepositofmonetaryfundsbypaymentinstitutionsorbyentrustingotherpaymentinstitutions.
Paymentinstitutionsshallnothandlethetransferofmonetaryfundsbetweenbankingfinancialinstitutions,exceptwithspecialpermission.
Article5Paymentinstitutionsshallfollowtheprinciplesofsafety,efficiency,integrityandfaircompetition,andshallnotharmthenationalinterest,socialpublicinterestandthelegitimaterightsandinterestsofcustomers.
Article6Paymentinstitutionsshallcomplywithrelevantanti-moneylaunderingregulationsandperformanti-moneylaunderingobligations.
Глава втора „Заявление и разрешение
Article7:ThePeople'sBankofChinaisresponsiblefortheissuanceandmanagementofthe"PaymentBusinessLicense".Thosewhoapplyforthe"PaymentBusinessPermit"mustbereviewedbythelocalbranchofthePeople'sBankofChinaandreportedtothePeople'sBankofChinaforapproval.
ThebranchofthePeople'sBankofChinareferredtointheseMeasuresreferstothebranchesofthePeople'sBankofChinaabovethesub-provincialcentralbranchofacity.
Article8ApplicantsforthePaymentBusinessPermitshallmeetthefollowingconditions:
(1)AlimitedliabilitycompanyorjointstocklimitedcompanylegallyestablishedwithintheterritoryofthePeople’sRepublicofChina,Anditisanon-financialinstitutionlegalperson;
(2)HaveaminimumamountofregisteredcapitalthatmeetstherequirementsoftheseMeasures;
(3) Имате участник, който отговаря на изискванията на тези мерки;
(4)Има повече от 5 старши мениджъри, които са запознати с разплащателния бизнес;
(5) Да има мерки срещу изпирането на пари, които отговарят на изискванията;
(6) Имате изисквания за разплащателни бизнес съоръжения;
(7) Да има стабилна организационна структура, система за вътрешен контрол и мерки за управление на риска;
(8)Имате бизнес място и мерки за сигурност, които отговарят на изискванията;
(9)Theapplicantanditsseniormanagementpersonnelhavenotbeenpunishedforusingpaymentservicestocarryoutillegalorcriminalactivitiesortohandlepaymentservicesforillegalandcriminalactivitiesinthepast3years.
Article9Ifanapplicantintendstoengageinpaymentbusinessnationwide,theminimumregisteredcapitalshallbe100millionyuan;ifanapplicantintendstoengageinpaymentbusinesswithinaprovince(autonomousregionormunicipality),itsregistrationTheminimumcapitallimitis30millionyuan.Theminimumamountofregisteredcapitalisactuallypaid-incurrencycapital.
AsmentionedintheseMeasures,thepaymentbusinessiscarriedoutnationwide,includingapplicantswhosetupbranchesacrossprovinces(autonomousregions,municipalities)toengageinpaymentbusiness,orcustomerscantransactpaymentbusinessacrossprovinces(autonomousregions,municipalities)situation.
ThePeople'sBankofChinaadjuststheminimumamountofregisteredcapitalforapplicantsinaccordancewithrelevantnationallaws,regulationsandpolicies.
Thebusinessscopeofforeign-investedpaymentinstitutions,thequalificationsofoverseasinvestorsandtheproportionofcapitalcontributions,etc.,shallbeseparatelystipulatedbythePeople'sBankofChinaandsubmittedtotheStateCouncilforapproval.
Article10Themaininvestoroftheapplicantshallmeetthefollowingconditions:
(1)Това е законноучредено дружество с ограничена отговорност или акционерно дружество с ограничена отговорност;
(2)Asoftheapplicationdate,continuouslyprovideinformationprocessingsupportservicesforfinancialinstitutionsformorethan2years,orprovidecontinuousinformationprocessingsupportservicesfore-commerceactivitiesformorethan2years;
(3) От датата на кандидатстване, непрекъснати Печалби за повече от 2 години;
(4)Inthelast3years,nopunishmenthasbeenimposedforusingpaymentservicestocarryoutillegalorcriminalactivitiesortohandlepaymentservicesforillegalorcriminalactivities.
ThemaininvestorasmentionedintheseMeasuresincludestheinvestorwhohasactualcontroloftheapplicantandtheinvestorwhoholdsmorethan10%oftheequityoftheapplicant.
Article11TheapplicantshallsubmitthefollowingdocumentsandmaterialstothelocalbranchofthePeople’sBankofChina:
(1) Писмено заявление, в което се посочва името, местожителството и регистрационния капитал на кандидата, организационната структура и предлагания бизнес за плащане и др.;
(2) Копие на бизнес лиценза на компанията (дубликат);
(3) Устав на асоциация;
(4)Сертификат за проверка на капитала;(5)Финансово-счетоводен отчет, одитиран от счетоводна фирма;
(6) Доклад за изследване на осъществимостта на платежния бизнес;
(7)Мерки за борба с изпирането на пари Материали за приемане;
(8) Сертификация за изпитване на техническа безопасност;
(9) Резюме материали на висш управленски персонал;
(10) Кандидатите и тяхното удостоверение за некриминално досие на висш управленски персонал;
(11) Съответни материали на главния инвеститор;
(12) Декларация за автентичност на материалите за приложение.
Article12Theapplicantshallannouncethefollowingmattersasrequiredafterreceivingtheacceptancenotice:
(1)Структура на регистрирания капитал и собствения капитал на кандидата;
(2) Списък на основните инвеститори, дялово съотношение и финансово състояние;
(3)Плащателният бизнес, за който ще се кандидатства;
(4)Бизнес място на кандидата;
(5)Technicalsafetyinspectionandcertificationcertificateofpaymentbusinessfacilities.
Article13ThebranchesofthePeople'sBankofChinashallacceptallapplicationsthatmeettherequirementsinaccordancewiththelaw,andsubmitthepreliminaryreviewopinionsandapplicationmaterialstothePeople'sBankofChina.UponreviewandapprovalbythePeople'sBankofChina,a"PaymentBusinessPermit"shallbeissuedinaccordancewiththelawandanannouncementshallbemade.
The"PaymentBusinessLicense"isvalidfor5yearsfromthedateofissuance.IfapaymentinstitutionintendstocontinuetoengageinpaymentbusinessaftertheexpirationofthePaymentBusinessPermit,itshallsubmitanapplicationforrenewaltothelocalbranchofthePeople'sBankofChinawithin6monthsbeforetheexpirationoftheterm.IfthePeople'sBankofChinaapprovestherenewal,thevalidityperiodofeachrenewalis5years.
Article14Ifapaymentinstitutionchangesanyofthefollowingitems,itshallreporttothePeople’sBankofChinaforapprovalbeforeapplyingtothecompanyregistrationauthorityforchangeregistration:
(1) Промяна на името на компанията, регистрирания капитал или организационната форма;
(2) Промяна на основния инвеститор;
(3)Дивизия за сливане;
(4) Коригирайте вида на бизнеса или променете покритието на бизнеса.
Article15Whenapaymentinstitutionappliesforterminationofpaymentbusiness,itshallsubmitthefollowingdocumentsandmaterialstothelocalbranchofthePeople’sBankofChina:
(1)WrittensignedbythelegalrepresentativeofthecompanyApplication,statingthecompanyname,paymentbusinessdevelopmentstatus,proposedterminationofpaymentbusinessandreasonsfortermination,etc.;
(2) Копие на бизнес лиценза на компанията (дубликат);
(3) Копие на „Лиценза за разплащателен бизнес“;
(4)План за защита на законните права на клиента;
(5)План за обработка на бизнес информация за плащане.
Iftheterminationisapproved,thepaymentinstitutionshallcompletetheterminationworkinaccordancewiththeapprovalofthePeople’sBankofChinaandreturnthePaymentBusinessPermit.
Член 16 Формати, които не са предвидени в процедурите за лицензиране в тази глава, ще се прилагат „мерките за прилагане на административното лицензиране на Народната банка на Китай“ (Заповед на Народната банка на Китай [2004] № 3).
Глава III Надзор и управление
Article17PaymentinstitutionsshallengageinbusinessactivitiesinaccordancewiththebusinessscopeapprovedbythePaymentBusinessPermit.Thoseengagedinbusinessoutsidetheapprovedscopeshallnotbeoutsourced.
На разплащателните институции не е разрешено да прехвърлят, отдават под наем или заемат „лиценза за разплащателен бизнес“.
Article18:Paymentinstitutionsshall,inaccordancewiththerequirementsofprudentoperation,formulatepaymentbusinessmethodsandcustomerrightsprotectionmeasures,establishandimproveriskmanagementandinternalcontrolsystems,andreporttothelocalbranchofthePeople’sBankofChinafortherecord.
Article19Paymentinstitutionsshalldeterminethechargingitemsandchargingstandardsforpaymentservices,andreporttothelocalbranchofthePeople’sBankofChinafortherecord.
Paymentinstitutionsshallpubliclydisclosethechargingitemsandchargingstandardsoftheirpaymentservices.
Article20:PaymentinstitutionsshallsubmitpaymentbusinessstatisticalreportsandfinancialaccountingreportstothelocalbranchofthePeople’sBankofChinainaccordancewithregulations.
Article21:Paymentinstitutionsshallformulatepaymentserviceagreementstoclarifytheirrightsandobligationswithcustomers,principlesforhandlingdisputes,andliabilitiesforbreachofcontract.
PaymentinstitutionsshallpubliclydisclosetheformatclausesofthepaymentserviceagreementandreporttothelocalbranchofthePeople’sBankofChinafortherecord.
Article22Whereabranchofapaymentinstitutionisengagedinpaymentbusiness,thepaymentinstitutionanditsbranchshallgotothelocalbranchofthePeople’sBankofChinafortherecord.
Ifthebranchofthepaymentinstitutionterminatesthepaymentbusiness,itshallbehandledinaccordancewiththeprecedingparagraph.
Article23Whenapaymentinstitutionacceptsacustomer'sreserve,itcanonlyissueaninvoicetothecustomerbasedonthepaymentservicefeecharged,andcannotissueaninvoicebasedontheacceptedamountofthecustomer'sreserve.
Article24Thecustomerreservefundacceptedbythepaymentinstitutiondoesnotbelongtothepaymentinstitution’sownproperty.
Paymentinstitutionscanonlytransferreservefundsbasedonpaymentinstructionsinitiatedbycustomers.Itisforbiddenforpaymentinstitutionstomisappropriatecustomerreservefundsinanyform.
Article25,thepaymentinstitutionshallrecordthefollowingitemsinthepaymentinstructioninitiatedbythecustomer:
(1)името на платеца;
(2) Определената сума;
(3)името на получателя;
(4)името на банката или разплащателната институция на платеца;
(5) Името на банката или разплащателната институция на бенефициента;
(6) Датата на приключване на платежната инструкция.
Ifacustomerpaysthroughabanksettlementaccount,thepaymentinstitutionshouldalsorecordthecorrespondingbanksettlementaccountnumber.Ifacustomerpaysthroughanon-banksettlementaccount,thepaymentinstitutionshallalsorecordthenameandnumberonthecustomer’svalidID.
Article26Whenapaymentinstitutionacceptsaclient'sreservefund,itshallopenaspecialdepositaccountforthereservefundinacommercialbanktodepositthereservefund.UnlessotherwisespecifiedbythePeople'sBankofChina.
Paymentinstitutionscanonlychooseonecommercialbankasthereservefunddepositorybank,andonlyonespecialreservedepositaccountcanbeopenedinabranchofthecommercialbank.
Thepaymentinstitutionshallsignareservefunddepositoryagreementwiththelegalentityorauthorizedbranchofthecommercialbanktoclarifytherights,obligationsandresponsibilitiesofbothparties.
PaymentinstitutionsshallsubmitinformationonthedepositoryagreementandspecialdepositaccountforreservefundstothelocalbranchofthePeople’sBankofChina.
Article27Thebranchofapaymentinstitutionshallnotopenaspecialreservedepositaccountinitsownname,andcanonlydeposittheacceptedreserveinthespecialreserveopenedbythepaymentinstitutionDepositaccount.
Article28Whenapaymentinstitutionadjuststhepositionsofdifferentspecialreservedepositaccounts,thelegalentityofthereservedepositorybankshalladjustthebalanceofthespecialreservedepositaccounttobeadjustedbythepaymentinstitutionCarryoutareviewandinformthepaymentinstitutionandtherelevantreservefunddepositorybankofthereviewopinions.
Thepaymentinstitutionshall,withthereviewopinionsissuedbythelegalpersoninstitutionofthereservedepositorybank,handlethepositionallocationofthespecialdepositaccountforthereservefund.
Article29Thereservedepositorybankshallsupervisetheuseofcustomerreservefundsdepositedinthisinstitution,andprovidethebranchofthePeople’sBankofChinawherethereservedepositorybankislocated.Institutionsandthelegalpersoninstitutionsofthereservefunddepositorybankshallsubmitinformationandmaterialssuchasthedepositoryorusagestatusoftheclient'sreservefund.
Forthepaymentinstitution’sapplicationorinstructiontousetheclient’sreservefundinviolationoftherelevantprovisionsofArticles25to28,thereservedepositorybankshallrejectit;itisfoundthattheclient’sreservefundhasbeenIncaseofillegaluseorotherabnormalcircumstances,itshallimmediatelyreporttothebranchofthePeople'sBankofChinawherethereservedepositorybankislocatedandthelegalpersoninstitutionofthereservedepositorybank.
Article30:Theratioofthepaid-inmonetarycapitalofthepaymentinstitutiontotheaveragedailybalanceofthecustomer’sreserveshallnotbelessthan10%.
The“averagedailybalanceofcustomerreserves”mentionedintheseMeasuresreferstotheaverageamountcalculatedbythelegalentityofthereservedepositorybankbasedonthetotalamountofcustomerreservesattheendofeachdayofthepaymentinstitutioninthelast90daysvalue.
Article31Thepaymentinstitutionshallcheckthecustomer’svalidIDorothervalididentificationdocumentsasrequired,andregisterthebasicinformationofthecustomer’sidentity.
Apaymentinstitutionthatknowsorshouldknowthatacustomerusesitspaymentbusinesstocarryoutillegalandcriminalactivitiesshouldstopprocessingpaymentservicesforit.
Article32Paymentinstitutionsshallhavethenecessarytechnicalmeanstoensurethecompleteness,consistencyandnon-repudiationofpaymentinstructions,thetimeliness,accuracyandsecurityofpaymentbusinessprocessing;Possessdisasterrecoveryprocessingcapabilitiesandemergencyresponsecapabilitiestoensurethecontinuityofpaymentbusiness.
Article33Paymentinstitutionsshallprotectcustomers’commercialsecretsinaccordancewiththelawandshallnotdisclosethemtotheoutsideworld.Exceptasotherwiseprovidedbylawsandregulations.
Article34Paymentinstitutionsshallproperlykeepthebasiccustomeridentityinformation,paymentbusinessinformation,accountingfilesandothermaterialsinaccordancewithregulations.
Article35Paymentinstitutionsshallacceptregularorirregularon-siteinspectionsandoff-siteinspectionsbythePeople’sBankofChinaanditsbranches,providerelevantinformationtruthfully,andshallnotrefuse,obstructorevadeinspections,andshallnotmakefalsereports.,Concealanddestroyrelevantevidencematerials.
Article36ThePeople’sBankofChinaanditsbranchesshallconductcorporategovernance,businessactivities,internalcontrol,riskstatus,andanti-moneylaunderingofpaymentinstitutionsinaccordancewithlaws,administrativeregulations,andrelevantprovisionsofthePeople’sBankofChina.Waitforregularorirregularon-siteinspectionsandoff-siteinspections.
Народната банка на Китай и нейните клонове извършват инспекции на място на разплащателни институции в съответствие със закона и прилагат „Наредбите за процедурата за проверка на правоприлагащите органи на Народната банка на Китай“ (Заповед на Народната банка на Китай [2010] № 1, обнародвана).
Article37ThePeople’sBankofChinaanditsbranchesmaytakethefollowingmeasurestoconducton-siteinspectionsofpaymentinstitutions:
(1)AskthestaffofpaymentinstitutionsandaskthemtoExplainandexplaintheinspecteditems;
(2)Viewandcopythedocumentsandmaterialsrelatedtotheinspecteditems,andsealthedocumentsandmaterialsthatmaybetransferred,concealedordamaged;
(3)Checkthespecialdepositaccountandrelatedaccountsofthecustomerreservefundofthepaymentinstitution;
(4) Проверете разплащателните бизнес съоръжения и свързаните с тях съоръжения.
Article38Ifapaymentinstitutionhasoneofthefollowingcircumstances,thePeople’sBankofChinaanditsbrancheshavetherighttoorderittostopsomeorallofthepaymentbusiness:
(1)Натрупаната загуба надвишава 50% от действително внесения валутен капитал;
(2) Съществува голям бизнес риск;
(3) Има сериозно нарушение на закони и разпоредби.
Article39Ifapaymentinstitutionisterminatedduetodissolution,cancellationordeclarationofbankruptcy,itsliquidationshallbehandledinaccordancewithrelevantnationallawsandregulations.
Глава IV Наказателни разпоредби
Article40ThestaffofthePeople’sBankofChinaanditsbranchesshallbesubjecttoadministrativePunishment;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedaccordingtolaw:
(1) Нарушаване на разпоредбите за съхраняване и одобряване на приложението, модификация, прекратяване и други въпроси на „Лиценза за разплащателен бизнес“;
(2)) Проверка на разплащателни институции в нарушение на разпоредбите;
(3)Изтичане на известни държавни тайни или търговски тайни;
(4)Други действия при злоупотреба с власт и небрежност на задълженията.
Article41Ifacommercialbankhasanyofthefollowingcircumstances,thePeople’sBankofChinaanditsbranchesshallorderittomakecorrectionswithinatimelimit,andgiveawarningorimposeafineof10,000to30,000;thecircumstancesareserious,ThePeople’sBankofChinaordersittosuspendorterminatethedepositorybusinessoftheclient’sreservefunds:
(1) Недокладване на депозитаря или използване на информация за резервните средства на клиента, както се изисква;
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(2)Failingtoreviewthepaymentinstitution’sadjustmentofthepositionofthespecialdepositaccountforreservefundsaccordingtoregulations;
(3)Failingtocheckthepaymentinstitution’suseofcustomerreservefundsinviolationofregulationsTheapplicationorinstructionisrejected.
Article42Ifapaymentinstitutionhasanyofthefollowingcircumstances,thebranchofthePeople’sBankofChinashallorderittomakecorrectionswithinatimelimit,andgiveawarningorimposeafineof10,000yuanupto30,000yuan:
(1)Failuretoestablishrelevantsystemsandmeasuresorriskmanagementmeasuresasrequired;
(2) Непреминаване през съответните процедури за подаване, както се изисква;
(3) Неспазване на разпоредбите за публично оповестяване на свързани въпроси;
(4) Неспазване на подателя на съответните материали в съответствие с разпоредбите;
(5) Необработване на свързани промени в съответствие с разпоредбите;
>(6) Неиздаване на фактури на клиенти съгласно разпоредбите;
(7) Неспазване на бизнес тайните на клиентите съгласно разпоредбите.
Article43Ifapaymentinstitutionhasoneofthefollowingcircumstances,thebranchofthePeople’sBankofChinashallorderittomakecorrectionswithinatimelimitandimposeafineof30,000yuan;ifthecircumstancesareserious,thePeople’sBankofChinashallcancelitspaymentbusinessLicense”;ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw:(1)Transfer,lease,orlendthe“PaymentBusinessLicense”;
(2) Надвишаване на одобрения бизнес обхват или възлагане на бизнеса на външни изпълнители;
(3) Несъхраняване или използване на резервните средства на клиента, както се изисква;
(4) Не се спазват разпоредбите относно съотношението на внесения паричен капитал към резервния фонд на клиента;
(5) Прекъсване или прекратяване на платежния бизнес без уважителна причина;
(6)Свързани инспекции с отхвърлящ възпрепятстван надзор;
(7)Otherviolationsoflawsandregulationsthatendangerthestableoperationofpaymentinstitutions,harmthelegitimaterightsandinterestsofcustomers,orendangerthepaymentservicemarket.
Article44Ifapaymentinstitutionfailstoperformitsanti-moneylaunderingobligationsinaccordancewithregulations,thePeople’sBankofChinaanditsbranchesshallimposepenaltiesinaccordancewithrelevantnationalanti-moneylaunderinglawsandregulations;ifthecircumstancesareserious,thePeople’sBankofChinashallcancelits"PaymentBusinessLicense".
Article45IfapaymentinstitutioncontinuestoengageinpaymentbusinessbeyondthevalidityperiodofthePaymentBusinessPermit,thePeople’sBankofChinaanditsbranchesshallorderittoterminatethepaymentbusiness;ifacrimeissuspected,itshallbetransferredtothepublicsecurityagencyaccordingtolawFileacaseforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
Article46Ifthe"PaymentBusinessPermit"isappliedforbyfraudorotherimpropermeansbutisnotapproved,theapplicantandtheinvestorholdingmorethan5%ofitsequityshallnotapplyorreapplywithin3years.Participateintheapplicationfor"PaymentBusinessLicense".
Forthosewhoapplyforthe"PaymentBusinessLicense"byfraudorotherimpropermeansandhavebeenapproved,thePeople'sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusinessandcanceltheir"PaymentBusinessLicense";suspectedIfacrimeiscommitted,thecaseshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw;applicantsandinvestorsholdingmorethan5%oftheirequityshallnotreapplyorparticipateintheapplicationforthePaymentBusinessPermit.
Article47Ifanynon-financialinstitutionorindividualengagesinpaymentbusinesswithouttheapprovalofthePeople’sBankofChinaorindisguisedform,thePeople’sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusiness;ifacrimeissuspected,Transferthecasetothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
Глава 5 Допълнителни разпоредби
Article48Non-financialinstitutionsthathaveengagedinpaymentbusinessbeforetheimplementationoftheseMeasuresshallbeimplementedonthedateofimplementationoftheseMeasuresApplyforthe"PaymentBusinessPermit"within1year.Thosewhofailtoobtainitwithinthetimelimitshallnotcontinuetoengageinpaymentbusiness.
Член 49: Народната банка на Китай носи отговорност за тълкуването на тези мерки.
Член 50. Тези мерки влизат в сила на 1 септември 2010 г.
Тълкуване на съдържанието
Лицето, отговарящо за съответния отдел на Народната банка на Китай, отговаря на въпроса на репортерите относно „Мерките за администриране на платежни услуги за нефинансови институции“
1.Въпрос: Каква е предисторията и значението на обнародването на „Мерките“?
Answer:Withtherapiddevelopmentofnetworkinformationandcommunicationtechnologyandthecontinuousdivisionoflaborandrefinementofpaymentservices,moreandmorenon-financialinstitutionshaveusedInternet,mobilephonesandotherinformationtechnologiestoparticipateinpaymentbusiness.Non-financialinstitutionsprovidingpaymentservicesandcooperatingandcompetingwiththebankingindustryhavebecomeanimportantforce.Traditionalpaymentservicesaregenerallyundertakenbythebankingsector,suchascashservices,billexchangeservices,directtransferservices,etc.,whileemergingnon-financialinstitutionsinterveneinthepaymentservicesystemanduseelectronicmeanstoprovidemarkettraderswithfront-endpaymentorback-endoperationservices,Soitisoftenreferredtoas"third-partypaymentagency."Practicehasprovedthatnon-financialinstitutionsuseinformationtechnologyandelectronicmeanstoprovidepaymentservices,whichgreatlyenrichestheservicemethods,expandsthebreadthanddepthofthepaymentbusinessofbankingfinancialinstitutions,andeffectivelyalleviatestheshortageofbankingfinancialinstitutions’outlets.Socialproblemssuchaswaitinginlineanddifficultyinfindingchange.Thediversifiedandpersonalizedpaymentservicesofnon-financialinstitutionshavebettermetthepaymentneedsofe-commercecompaniesandindividuals,promotedthedevelopmentofe-commerce,andplayedaroleinsupportingmacroeconomicpoliciessuchas"stimulatingconsumptionandexpandingdomesticdemand".positiveeffects.Althoughthepaymentservicesofnon-financialinstitutionsaremainlyconcentratedintheretailpaymentfield,andtheirbusinessvolumeissmallcomparedwiththepaymentservicesprovidedbybankingfinancialinstitutions,theirservicetargetsareverylarge,mainlyInternetusers,mobilephoneusers,andbankcards.Andprepaidcardholders,etc.,itsinfluenceisveryextensive.Asoftheendofthefirstquarterof2010,atotalof260non-financialinstitutionlegalpersonshavesubmittedpaymentbusinessregistrationmaterialstothePeople'sBankofChina,mostofwhichareengagedinInternetpayment,mobilepayment,telephonepayment,andissuanceofprepaidcards.
Withthecontinuousexpansionofthebusinessscopeandscaleofpaymentservicesofnon-financialinstitutionsandthepromotionofnewpaymenttools,aswellastheincreasinglyfiercemarketcompetition,someinherentproblemsinthisfieldaregraduallyexposed,andnewrisksandhazardsaregraduallyexposed.produce.Suchastheprotectionoftherightsandinterestsofthecustomer’sreservefunds,theissueofviolationsintheissuanceandacceptanceofprepaidcards,theimplementationofanti-moneylaunderingobligations,thesecurityofinformationsystemsrelatedtopaymentservices,theviolationofmarketcompetitionrules,andtheissueofdisorderlyengaginginpaymentservices,etc..Theseproblemsaredifficulttosolveonlybyrelyingonmarketforces,andmustbepreventedandcorrectedinatimelymannerthroughnecessarylawsandregulationsandsupervisorymeasures.
TheleadingcomradesofthePartyCentralCommitteeandtheStateCouncilattachgreatimportancetothesupervisionofnon-financialinstitutions'paymentservicesandhaveissuedimportantinstructionsonmanyoccasions.AsthestatutorysupervisoryadministratorofChina’spaymentsystem,thePeople’sBankofmycountryconscientiouslyimplementstherequirementsofthePartyCentralCommitteeandtheStateCouncilon"vigorouslydevelopfinancialmarketsandencouragefinancialinnovation"and"strengthenriskmanagementandimprovetheeffectivenessoffinancialsupervision".Throughbusinessinnovation,paymentserviceentitiescontinuetoenrichpaymentmethods,improvepaymentserviceefficiency,andcomplywiththeever-evolvingpaymentserviceneedsofthepublic.Atthesametime,theyvigorouslypromotetheconstructionofpaymentservicemarket-relatedsystems,strengthenthesupervisionandmanagementofpaymentservicesofnon-financialinstitutions,andpreventVariousfinancialrisks.Onthebasisoforganizingandcarryingouttheregistrationofpaymentservicesofnon-financialinstitutions,solicitingopinionsandsuggestionsfromallsectorsofthesociety,andlearningfrominternationalexperience,thePeople'sBankofChinaformulatedandissuedtheseMeasures.
Theformulationandimplementationofthe"Measures"isanimportantpracticetoguidethePeople’sBankofChina’ssupervisionandmanagementofthepaymentsystembasedonthescientificoutlookondevelopment.Importantmove.Thepromulgationofthe"Measures"meetstheneedsofnon-financialinstitutionsforstandardandorderlydevelopmentbasedontherulesofequalcompetition,meetstheneedsofconsumerstosafeguardtheirlegitimaterightsandinterests,andguaranteethesafetyoffunds,andmeetsthestate'srequirementsforencouragingfinancialinnovation,developingfinancialmarkets,andsafeguardingfinance.Theneedforstabilityandsocialstabilitywilldefinitelyhaveapositiveandimportantimpactonthehealthydevelopmentofmycountry'sfinancialsystem.
2.В: Каква е водещата идеология на „Методите“?
Answer:ThePeople’sBankofChinaadherestotheguidanceofthescientificdevelopmentconcept,strengthensthesupervisionandmanagementofpaymentservicesfornon-financialinstitutions,andclarifiestheworkthinkingoftheInnovative,market-led,andstandardizeddevelopment",andbasedonthis,theguidingideologyofthe"Measures"isdeterminedtobe"equalemphasisonstandardizeddevelopmentandpromotionofinnovation."
"Regulateddevelopment"mainlyreferstotheestablishmentofaunifiednon-financialinstitutionpaymentservicemarketaccesssystemandstrictsupervisionandmanagementmechanism.Ensurethatdifferentinstitutionsfollowthesameruleswhenengaginginthesamebusiness,preventunfaircompetition,protectthelegitimaterightsandinterestsoftheparties,andmaintainthestableoperationofthepaymentservicemarket.
"Promotinginnovation"mainlyreferstoadheringtothemarket-orienteddevelopmentdirectionofpaymentservices,encouragingnon-financialinstitutionstotakethemarketasthelead,andcontinuetoinnovateunderthepremiseofensuringsafety,soastobettersatisfysocialandeconomicactivitiesDemandforpaymentservices.
3.Въпрос: Доколко платежните услуги на нефинансови институции са регулирани в международен план?Мерките черпят ли международен опит?
Answer:Internationally,insomecountrieswherethenon-financialinstitutionpaymentservicemarkethasdevelopedearlierandfaster,thegovernment’ssupervisionofsuchmarketshasgraduallyshiftedfrombeingbiasedtowards“self-disciplineandlaissez-faire”."Compulsorysupervisionandmanagement"change.Fromtheperspectiveofprotectingthelegitimaterightsandinterestsofcustomers,mosteconomiessuchastheUnitedStatesandtheEuropeanUnionrequirequalifiedinstitutionstoconductpaymentservicesinanorderlyandstandardizedmanner.Specificmeasuresincludetheimplementationoftargetedbusinesslicenses,theestablishmentofnecessaryentrythresholds,theestablishmentofinspectionandreportingsystems,theprotectionofcustomerrightsandintereststhroughassetguarantees,andthestrengtheningofmanagementofterminationandwithdrawalofinstitutions.
TheUnitedStatesdefinessimilarinstitutions(includingnon-financialinstitutionsandnon-bankfinancialinstitutions)asmoneyserviceinstitutions.Morethan40statesintheUnitedStatesrefertothe"UniformCurrencyServiceAct"toformulatelawstosupervisecurrencyservices.Theselawsgenerallyemphasizethemanagementandregulationofnon-bankinstitutionsengagedincurrencyservicesbyissuinglicenses.Institutionsengagedincurrencyservicesmustobtainaspecialbusinesslicenseandmeettherelevantqualificationrequirementsforinvestmententities,businesslocations,financialstrength,financialstatus,andbusinessexperience.Currencyserviceinstitutionsshallmaintainahighdegreeofliquidityandsecurityoftransactionfunds,andshallnotengageinbank-likedepositandloanbusiness,andshallnotretainorusecustomertransactionfundswithoutauthorization.Suchinstitutionsshouldalsocomplywithrelevantanti-moneylaunderingregulatoryrequirementstoensuredataandinformationsecurity.
TheEuropeanUnionhassuccessivelyformulatedthe"ElectronicCurrencyDirective"andthe"InternalMarketPaymentServiceDirective"forinstitutionsengagedinelectroniccurrencyissuanceandclearing,andrevisedthe"ElectronicCurrencyDirective"againin2009.TheselawsemphasizethatEUmemberstatesshouldimplementabusinesslicensingsystemforelectronicmoneyinstitutionsandpaymentinstitutionstoensurethatonlyinstitutionsthatcomplywiththeprincipleofprudentialsupervisioncanengageinsuchbusinesses.Paymentinstitutionsshouldstrictlydistinguishbetweentheirownfundsandcustomerfunds,andprovideinsuranceorsimilarguaranteesforcustomerfunds;whenelectronicmoneyinstitutionsprovidepaymentservices,thetotalamountofinvestmentusedfordemanddepositsandsufficientliquidityshallnotexceed20timesoftheirownfunds.Similarly,theFinancialServicesandMarketsActoftheUnitedKingdomrequirestheimplementationofbusinesslicensesforinstitutionsengagedinelectronicpaymentservices,andelectronicmoneyinstitutionsmustusecompliantliquidassetstoprovideguaranteesforthevalueofcustomers’advances,andthetotalvalueofcustomers’advancesmustnotbehigh8timesofitsownfunds.
SouthKorea,Malaysia,Indonesia,Singapore,ThailandandotherAsianeconomieshavesuccessivelypromulgatedlawsandregulations,requiringelectroniccurrencyissuerstoobtainpriorauthorizationorpermissionfromthecentralbankorfinancialThevaluecardsetstheupperlimitoftheamount,etc.
mycountry'snon-financialinstitutionpaymentservicesstartedlatebutdevelopedrapidly,andrelatedproblemsgraduallyemergedwiththecontinuousdevelopmentofbusiness.Basedonacomprehensiveandobjectiveanalysisofthedevelopmenttrendofnon-financialinstitutions'paymentservicesanddrawingoninternationalexperience,thePeople'sBankofChinahasestablishedanon-financialinstitution'spaymentservicesupervisionandmanagementthinkinginlinewithmycountry'snationalconditions.
4.Въпрос: Моля, представете основното съдържание на „Мерките“.
Отговор: „Мерките“ има пет глави и 50 статии, а основното съдържание е:
ChapterOneGeneralProvisions,whichmainlystipulatethelegislativebasisandpurposeofthe"Measures",Legislativeadjustmentobjects,paymentbusinessapplicationsandpermits,thesupervisoryresponsibilitiesofthePeople’sBankofChina,andtheoveralloperatingprinciplesofpaymentinstitutions’paymentbusinesses.
ChapterTwo,ApplicationandPermit,mainlystipulatesthemarketaccessconditionsforpaymentservicesofnon-financialinstitutionsandthetwo-levelapprovalprocedureofthePeople’sBankofChinaonthe"PaymentBusinessPermit".Themarketaccessconditionsmainlyemphasizetheapplicant'sinstitutionalnature,registeredcapital,anti-moneylaunderingmeasures,paymentbusinessfacilities,creditstatus,andthequalificationrequirementsthatthemaininvestorshouldmeet.Inaddition,theapprovalrequirementsforchangesinpaymentinstitutionshavebeenclarified.
ChapterIIISupervisionandManagementmainlystipulatestheresponsibilitiesandobligationsofpaymentinstitutionsinregulatingoperations,fundsecurity,andsystemoperation.Standardizedoperationmainlyemphasizesthatpaymentinstitutionsshouldengageinpaymentbusinesswithinthescopeofapproval,reportanddisclosebusinesscharges,formulateanddiscloseserviceagreements,verifycustomeridentityinformation,keepcustomerbusinesssecrets,keepbusinessandaccountingfilesandotherinformation,andstandardizeinvoiceissuance,etc..Fundsecuritymainlyemphasizesthatpaymentinstitutionsshoulddepositacceptedcustomerreservefundsinthesamecommercialbankaccount,andcanonlyuseitinaccordancewithcustomerrequirements.Theoperationofthesystemmainlyemphasizesthatthepaymentinstitutionshouldhavethenecessarytechnicalmeans,disasterrecoveryprocessingcapabilitiesandemergencyresponsecapabilities.Inaddition,paymentinstitutionsalsoneedtocooperatewiththePeople'sBankofChinaforsupervisionandinspectionaccordingtolaw.
Chapter4PenaltyProvisionsmainlyclarifythelegalresponsibilitiesofthepeople’sbankstaff,commercialbanks,paymentinstitutionsandotherresponsibleentities.
Chapter5SupplementaryProvisionsmainlyclarifythetransitionperiodrequirementsandimplementationdateofthe"Measures".
5.В: Какви разплащателни услуги предоставят нефинансовите институции?
Answer:The“Measures”clarifythatnon-financialinstitutionpaymentservicesrefertonon-financialinstitutionsasintermediariesbetweenpayersandpayerstoprovidemonetaryandfundtransferservices,includingonlinepaymentsandprepaidcardsIssuanceandacceptance,aswellasbankcardacquiring,etc.
(1) Онлайн разплащателен бизнес. Терминът "онлайн разплащане" в "Мерките" се отнася за нефинансови институции, които използват публична частна мрежа за прехвърляне на парични средства между платци и платци, включително обмяна на валута, интернет плащания, плащания през мобилен телефон, плащания по фиксиран телефон, плащания по цифрова телевизия и др.
(2)Prepaidcardissuanceandacceptancebusiness.Theprepaidcardsreferredtointhe"Measures"refertotheprepaidvalueofgoodsorservicespurchasedoutsidetheissuinginstitutionthatareissuedforprofit,includingprepaidcardsissuedintheformofcards,passwords,etc.,usingtechnologiessuchasmagneticstripsandchips.
(3)Бизнес с придобиване на банкови карти. Придобиването на банкови карти, посочено в „Мерките“, се отнася до акта на събиране на парични средства за търговци на банкови карти чрез терминали за продажба (POS) и др.
(4)OtherpaymentbusinessesdeterminedbythePeople’sBankofChinabasedonthedevelopmenttrendofthepaymentservicemarket.
6.В: Защо е внедрена система за бизнес лицензи за услуги за плащане на нефинансови институции?
Answer:AccordingtotheworkrequirementsoftheStateCouncilon“establishinganopen,equalandstandardizedserviceindustryaccesssystemtoencouragetheentryofsocialcapital”,thePeople’sBankofChinacomplieswiththe“People’sBankofChinaLaw”andotherlawsandregulations.,Ithasbeenrecognizedbythenationaladministrativeexaminationandapprovaldepartmenttoimplementapaymentbusinesslicensesystemfornon-financialinstitutionpaymentservices.Non-financialinstitutions,whetherstate-ownedorprivatecapital,canobtainthe"PaymentBusinessLicense"aslongastheymeettherequirementsofthe"Measures".The"Measures"aimtoselectnon-financialinstitutionswithgoodcreditworthiness,strongprofitabilityandcertainprofessionalexperiencetoenterthepaymentservicemarketthroughstrictqualificationrequirements,andtoregulatethepaymentbusinessunderthesupervisionandmanagementofthePeople'sBankofChina,andeffectivelymaintainThelegitimaterightsandinterestsofthepublic.WithouttheapprovalofthePeople'sBankofChina,nonon-financialinstitutionorindividualshallengageinpaymentbusinessorindisguisedform.
ThePeople'sBankofChinadoesnotimposequantitativerestrictionsonthe"PaymentBusinessLicense",encouragesallqualifiednon-financialinstitutionstocompeteonanequalfootinginthepaymentservicemarket,andpromotetheoptimalallocationofresourcesinthepaymentservicemarket.
7.В: Какви са изискванията към нефинансовите институции за предоставяне на разплащателни услуги?
Answer:The“Measures”stipulatethatnon-financialinstitutionsshouldhavethecorrespondingqualificationstoprovidepaymentservices,soastoestablishaunifiedandstandardizednon-financialinstitutionpaymentservicemarketaccessorderandstrengthennon-financialinstitutionsSustainabilityofpaymentservices.Therequirementsfornon-financialinstitutionstoprovidepaymentservicesmainlyinclude:
(1)Commercialpresence.Theapplicantmustbealimitedliabilitycompanyoracompanylimitedbysharesestablishedinmycountryaccordingtolaw,andbeanon-financialinstitutionlegalperson.
(2)Capitalstrength.Applicantswhoapplytoengageinpaymentbusinessnationwidemusthavearegisteredcapitalofatleast100millionyuan;thosewhoapplytoengageinpaymentbusinesswithinthesameprovince(autonomousregionormunicipalitydirectlyundertheCentralGovernment)musthavearegisteredcapitalofatleast30millionyuan,andbothMustbepaid-incurrencycapital.
(3)Maininvestor.Theapplicant'smaininvestor(includingtheinvestorwhohasactualcontrolrightsandmorethan10%oftheequity)oftheapplicantshouldmeettherequirementsofthelegalpersonnatureofthecompany-basedenterprise,experienceinrelatedfields,certainprofitabilityandotherrelevantqualifications.
(4)Anti-moneylaunderingmeasures.Applicantsshouldhavetheanti-moneylaunderingmeasuresstipulatedbythenationalanti-moneylaunderinglawsandregulations,andsubmitcorrespondingacceptancematerialswhenapplying.
(5)Paymentbusinessfacilities.Theapplicantshallsubmitthetechnicalsafetyinspectionandcertificationcertificateofthenecessarypaymentbusinessfacilitiesatthetimeofapplication.
(6)Creditrequirements.Theapplicant,itsseniormanagementandthemaininvestorshouldhavegoodcreditstatusandprovidecorrespondingnon-criminalcertificationmaterials.
Consideringtheprofessionalismandsecurityrequirementsofpaymentservices,theapplicantshouldalsomeettherequirementsoftheorganization,internalcontrolsystem,riskcontrolmeasures,businesspremises,etc.ThePeople'sBankofChinawillrefinethespecificrequirementsformaterialsforacceptanceofanti-moneylaunderingmeasures,technicalsafetyinspectioncertificationandnon-criminalcertificationinthedetailedrulesfortheimplementationoftheMeasures.
8.В: Какви са стъпките, включени в процеса на одобрение на „разплащателния бизнес лиценз“?
Answer:Accordingtothe"AdministrativeLicensingLawofthePeople'sRepublicofChina"anditsimplementationmeasuresandtheprovisionsofthe"People'sBankofChinaAdministrativeLicensingImplementationMeasures",the"Measures"stipulatethe"PaymentBusinessLicense"Theexaminationandapprovalprocessmainlyincludes:
(1)TheapplicantsubmitsapplicationmaterialstothelocalbranchofthePeople’sBankofChina.ThebranchesofthePeople'sBankofChinareferredtointhe"Measures"includetheShanghaiheadquartersofthePeople'sBankofChina,branches,businessmanagementdepartments,provincialcapital(capital)citycentralbranchesandsub-provincialcitycentralbranches.
(2)Iftheapplicationmeetstherequirements,thebranchofthePeople'sBankofChinashallacceptitinaccordancewiththelaw,andsubmitthepreliminaryreviewopinionsandapplicationmaterialstotheheadofficeofthePeople'sBankofChina.
(3)TheheadofficeofthePeople'sBankofChinawillreviewtheapplicationmaterialsbasedonthereviewopinionsofvariousbranchesandsocialsupervisionfeedbackinformation.Ifapprovedtobecomeapaymentinstitution,theheadofficeofthePeople'sBankofChinashallissuea"PaymentBusinessPermit"accordingtolawandmakeanannouncement.
9.Въпрос: Какви мерки предоставят „Мерките“ за защита на клиентските резервни средства?
Answer:Paymentinstitutionscanindependentlydeterminewhetherthepaymentbusinesstheyareengagedinacceptscustomerreservefunds.Customerreservereferstothemonetaryfundsthatcustomersvoluntarilyentrustpaymentinstitutionstokeepandcanonlybeusedtohandlepaymentservicesentrustedbycustomers.
The"Measures"hasmadethefollowingprovisionsintermsofprotectionmeasuresforcustomerreserves:
(1)Clarifythenatureofthereserves.Thecustomerreservefundacceptedbythepaymentinstitutiondoesnotbelongtothepaymentinstitution'sownproperty.Thepaymentinstitutioncanonlytransferthereservefundaccordingtothepaymentinstructioninitiatedbythecustomer.Itisforbiddenforpaymentinstitutionstomisappropriatecustomerreservefundsinanyform.
(2)Limittheholdingformofthereservefund.First,thepaymentinstitutionmustchooseacommercialbankasthedepositorybankforthereservefund,andaspecialaccounttostoretheacceptedclientreservefund.Second,paymentinstitutionscanonlydepositcustomerreservefundsinthesamecommercialbankaccount.Third,thebranchofapaymentinstitutioncannotopenaspecialdepositaccountforreservefundsonitsown.
(3)Emphasizethecooperativesupervisionresponsibilityofcommercialbanks.Asareservefunddepositorybank,acommercialbankshallsupervisetheuseoftheclient'sreservefunddepositedinitsinstitution,andshallhavetherighttorejecttheapplicationorinstructionofthepaymentinstitutiontousetheclient'sreservefundinviolationofregulations.Whenapaymentinstitutionintendstoadjustthepositionsofdifferentspecialdepositaccountsforreservefunds,itmustbereviewedbythelegalpersoninstitutionofitsreservefunddepositorybank.
(4)HighlightthestatutorysupervisoryresponsibilitiesofthePeople’sBankofChina.ThepaymentinstitutionandthereservedepositorybankshallrespectivelysubmittothePeople’sBankofChinathedepositoryagreementforreservefunds,thespecialdepositaccountforreservefunds,andthedepositoryoruseofthecustomerreservefundsandotherinformationandmaterialstothePeople’sBankofChina.ThePeople'sBankofChinawillconducton-siteinspectionsofthespecialdepositaccountsandrelatedaccountsofcustomers'reservefundsofpaymentinstitutionsinaccordancewiththelaw.
10.В: Как да се справя с фалшиви приложения?
Answer:The“Measures”emphasizesthattheapplicationbehaviormustbetrueandcredible.Differentiatingwhethertheapplicationhasbeenacceptedorwhethertheapplicanthasobtainedthe"PaymentBusinessPermit"andothersituations,the"Measures"stipulatesdifferentwaysofhandlingfalseapplicationsbyapplicants.
(1)Iftheapplicantappliesforthe"PaymentBusinessPermit"byfraudorotherimpropermeansbutisnotapproved,theapplicantandtheinvestorholdingmorethan5%ofitsequityshallnotapplyagainorParticipateintheapplicationfor"PaymentBusinessLicense".
(2)Thosewhoapplyforthe"PaymentBusinessPermit"byfraudorotherimpropermeansandhavebeenapproved,thePeople’sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusinessandcanceltheir"PaymentBusinessPermit"》;Ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw;applicantsandinvestorsholdingmorethan5%oftheirequityshallnotapplyfororparticipateintheapplicationforthePaymentBusinessPermit.
11.В: Какви санкции ще бъдат наложени за предоставяне на платежни услуги без разрешение?
Answer:TheMeasuresstipulate:Anynon-financialinstitutionorindividualengagesinpaymentbusinesswithouttheapprovalofthePeople’sBankofChinaorengagesinpaymentbusinessindisguise,orthepaymentinstitutionexceedsthevalidityofthePaymentBusinessPermitThosewhocontinuetoengageinpaymentbusinesswithinthetimelimitshallbeorderedbythePeople’sBankofChinaanditsbranchestoterminatethepaymentbusiness;ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
12.Въпрос: Какви са преходните договорености и подкрепящите мерки след прилагането на мерките?
Answer:The"Measures"areequallyapplicabletonon-financialinstitutionsengagedinpaymentservicesinmycountry,includingnon-financialinstitutionsthathavebeenengagedinpaymentbusinesseswithoutapprovalbeforetheimplementationofthe"Measures",andNon-financialinstitutionsthatintendtoapplyforpaymentservicesaftertheimplementationoftheMeasures.Theformercanindependentlydecidetowithdrawfromthemarketorobtainthe"PaymentBusinessPermit"withinoneyearaftertheimplementationofthe"Measures".Non-financialinstitutionsthatfailtoobtainthePaymentBusinessPermitwithinthetimelimitshallnotcontinuetoengageinpaymentbusiness.
ThePeople'sBankofChinawillexpeditiouslyformulatedetailedrulesfortheimplementationofthe"Measures"andrelatedbusinessmeasures.Theimplementationrulesmainlyelaborateandexplaintheprovisionsofthe"Measures"concerningthequalificationsoftheapplicant,thecontentoftherelevantapplicationmaterials,andtheobligationsoftheresponsiblesubject.Relevantbusinessmeasuresaremainlyspecificmeasures(orguidelines)toguidepaymentinstitutionstoregulatevarioustypesofbusiness,especiallybusinessmeasuresrelatedtotheissuanceandacceptanceofprepaidcards,andbankcardacquiring.ThePeople'sBankofChinawillalsoformulaterelevantsupportingmeasureswithrelevantdepartmentssuchaspublicsecurity,organizeandcarryoutrelevantspecialinspections,formajointforce,implementeffectivesupervisionofpaymentservicesofnon-financialinstitutions,andeffectivelymaintainthehealthydevelopmentofthepaymentservicemarket.