Poster News reporter Jiang Xueying reports from Beijing
At present, there are more than 4,000 commercial banks and more than 180 payment institutions in China, which effectively meet the needs of 1The payment needs of 600 million business entities and hundreds of millions of consumers. China's personal bank account ownership rate has exceeded 95%, which is higher than the average level of middle- and high-income economies, and the mobile payment penetration rate has reached 86%, ranking first in the world. ”
On December 28, Zhang Qingsong, deputy governor of the People's Bank of China, said at a regular policy briefing that the payment industry has always played a fundamental role in serving the real economy and people's livelihood needs. After decades of development, China has established a wide-coverage, safe and efficient payment and clearing system centered on the first-class bank payment and clearing system, with the participation of commercial banks, clearing institutions, and non-bank payment institutions.
Recently, the "Regulations on the Supervision and Administration of Non-bank Payment Institutions" (hereinafter referred to as the "Regulations") has been publicly released, Zhang Qingsong said that the "Regulations" is the first administrative regulation in the financial field issued after the first financial work conference, and it is a specific measure to implement the spirit of the first financial work conference, which is a milestone in promoting the high-quality development of the payment industry.
According to reports, the "Regulations on the Supervision and Administration of Non-bank Payment Institutions" issued this time are applicable to payment institutions that mainly provide small-amount and convenient services. Zhang Qingsong revealed that the annual number of transactions of these payment institutions is about 1 trillion yuan, with an average transaction amount of 330 yuan, which is closely related to the business activities of business entities and the daily life of the public, and is of great significance for them to establish a stable and adequate supervision and management framework.
The reporter learned from the meeting that in order to guide payment institutions to further improve the quality and efficiency of serving the real economy, the "Regulations" have been guided from many aspects.
The first is to emphasize the core positioning of payment institutions to serve the real economy. It is clarified that payment institutions shall conduct business with the purpose of providing small-amount and convenient payment services;Its supervision and management should be carried out around whether the goal of serving the real economy is achieved.
The second is to require payment institutions to "strike iron and need to be hard". Appropriately raise the registered capital requirements for payment institutions, requiring them to have business systems, facilities and technologies that meet the requirements, as well as governance structures, internal control and risk management capabilities, etc.
The third is to adhere to the "return to the origin of payment business". Guide payment institutions to focus on and improve service levels, conduct business in accordance with the approved business type and geographical scope, and must not engage in other businesses that require approval in accordance with law without approval.
Fourth, encourage payment institutions to cooperate with banks. It is necessary not only to give full play to the advantages of payment institutions in terms of wide access to users and convenience of services, but also to encourage banks to play an important role in ensuring the safety of funds and improving the efficiency of capital use.
Fifth, we are committed to maintaining the order of fair competition. It is emphasized that payment institutions shall not carry out monopolistic or unfair competition acts, which hinder the order of fair competition in the market, and is conducive to protecting the legitimate rights and interests of payment users in accordance with the law.
Sixth, a number of regulatory red lines have been clarified. Guide payment institutions to firmly establish the business philosophy of "compliance is productivity and competitiveness", prevent illegal operations, and promote the healthy development of the industry.