The central bank will conduct a thorough spot check of the payment institutions, and expose the illegal channels and the rules of the Qing Dynasty.
A few days ago, the central bank payment department issued the "guidance on the key spot checks in 2018". The document provides guidance to the branches of the payment and settlement Office of the bank and non bank payment institutions in 2018, and requests the focus to check whether there is a payment industry for the unlicensed institutions, the weak audit of the merchants, and the merchants. Business irregularities such as truthfulness management irregularities, improper collection business management and so on.
Three key points for the inspection of the central bank payment Division:
1. the market situation of the unlicensed Payment institutions, the emphasis is on the commercial banks and the licensed Payment institutions that provide services (channels, payment and settlement) for the undocumented payment companies, and the implementation of Article 217 is strictly checked.
2. the opening and using of II and III accounts for banks, so as to facilitate banks to implement classified management of individual bank settlement accounts. Check the opening of the bank's unit account.
3. the implementation of centralized deposit management in Payment institutions.
The document also includes management of banks, Payment institutions and clearing houses.
1. to receive a single agency management, the central bank inspection team will focus on checking whether the merchants use APP to implement the "second Qing" and other related violations; secondly, it will check the management of the small and micro businesses, whether the relevant requirements will be examined and implemented for the main responsible person's identification documents and the upper limit of the amount of credit card receipts.
The 2. generation payment management, the central bank inspection team will focus on the authorization and agreement management, the collection and payment business scope and interface management.
3. payment of business system interface management, the inspection team will focus on the payment institutions and commercial banks "break straight union" and other implementation, focusing on whether the payment institutions have shut down whether the new direct connection payment clearing transactions, the stock business transfer clearing institutions to deal with the situation.
4. code two-dimensional code payment service is carried out by qualified Payment institutions (with bank card receipt, Internet payment license), cross - line transaction and No. 296 limit management.
5. single standard foreign currency cards are issued and used in China. The Central Bank of the central bank claims that this is the "concern" and "inspection" of the domestic development of the single standard foreign currency card by the central bank payment department for the first time. The overseas card organizations, including VISA, MasterCard, American Express and JCB, have not obtained the renminbi liquidation license at home. According to the data of commercial bank, the amount of issuing card of single standard foreign currency card is increasing year by year, and there is a "operating space" for the liquidation of RMB bank card in advance by foreign card liquidation organizations and domestic payment institutions, so it is necessary to check.
6. to pay the integrity, authenticity and traceability of the transaction information, for the market users' transactions, it is necessary to guarantee the ability to trace the related receipt agencies, liquidation agencies and issuing agencies.