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The central bank issued over 900 fines this year, "strict supervision" normalization to escort the payment service industry

来源: 证券日报 2019-12-30 09: 21: 10Source: Securities Daily

Recently, the central bank ’s deputy governor, Fan Yifei, said at the 8th China Payment and Clearing Forum that since 2015, in the face of various chaos in the payment service market, the central bank has begun to change its supervisory philosophy from the supervisory system, increase inspection efforts, and clear market exits. Channels, allowing the "strict supervision" normalization to escort the payment service industry.

According to incomplete statistics from the Securities Daily reporter, as of December 27 this year, 36 branches of the central bank issued more than 900 tickets (according to the time of publication). Among the punishment objects, third-party payment institutions appeared frequently. Su Xiaorui, a senior researcher at the Sacks Research Institute, said in an interview with the Securities Daily that this year's fines on payment institutions have several outstanding features, including large amounts, frequent occurrences, and unwillingness to "recidivist" type of offenders.

"Compared with previous years, the number and amount of fines paid by payment agencies have increased this year. At the same time, the number of fines from the foreign exchange administration due to cross-border payment business has increased significantly. On the one hand, it reflects the strong supervision of third-party payments. The situation remains the same, on the other hand, it reflects the rapid increase in the size of cross-border payment business, which has led to an increase in foreign exchange-related fines. "Huang Dazhi, a senior researcher at Suning Financial Research Institute, told a reporter of the Securities Daily that the main reasons for punishment are payment and settlement, Acquiring business, clearing business, anti-money laundering and cross-border payment business.

Judging from the amount of penalties paid to payment institutions, the largest one this year was issued by the Shanghai branch of the central bank. On July 12, the Bank of China's Shanghai Branch issued administrative penalty information showing that Xunfu Information Technology Co., Ltd. was given a warning punishment for violating payment business regulations, and confiscated 9.668 million yuan in illegal gains, and imposed a fine of 49,97,200 yuan, and was fined 59.394 million in total. Yuan, at the same time, the relevant responsible person of the company was warned and fined.

Some payment institutions were punished many times during the year. For example, Shenzhen UBS Information Technology Co., Ltd., the company ’s branch due to violations of the relevant provisions of the “Management Measures for Bank Card Acquiring Business”, violations of relevant anti-money laundering regulations, and failure to implement the regulations Acquiring outsourcing business management, failing to implement special merchant qualification review as required, failing to implement special merchant file management, etc. During the year, we received from Qingdao Central Bank Branch, Central Bank Shenzhen Central Branch, Central Bank Changsha Central Branch, Central Bank Lanzhou 5 tickets from the central branch.

"Third-party payment, as a bridge for settlement of funds between individuals or merchants, is self-evident in the transaction process. The efficient and standardized development of the third-party payment market is conducive to improving transaction efficiency and empowering the real economy. It can also curb the development of illegal financial activities and make them lose the soil environment necessary for growth. "Su Xiaorui said.

It is worth mentioning that, at the inter-ministerial joint meeting on anti-money laundering, the governor of the central bank, Yi Gang, stated that it is necessary to strengthen the coordination and coordination of anti-money laundering supervision and further improve the working mechanism of the inter-ministerial joint meeting. Responsibilities, close cooperation, and rectification of the opportunity of international anti-money laundering assessments, in accordance with the requirements of international anti-money laundering standards and mutual assessment, put in place the work that needs to be completed, and make up the shortcomings that need to be completed as soon as possible. Improve China's anti-money laundering work.

Huang Dazhi believes that anti-money laundering will become the focus of supervision for a long time, especially with the two-way opening of cross-border payments, the cross-border capital flows involved will become more frequent, and the problems faced by anti-money laundering supervision will become more complicated. Strict supervision of payment institutions is of great significance for maintaining financial stability. (Reporter Liu Qi)

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