ReleaseInformace
OrderFthepeople'sBankofchina
〔2010〕No.2No.
Podle „Lidové BankofchinalAwofThepeople'sRepublicOfchina“ atherLawSandregulations, People'sBankofchinaformovali se „MasationsFortHeadMinistrationFaymentmentsServicesFornnon-financialInstitution“.AdoptoredTetTetTheofficemeetingofthtHechiefExecutive, itishereByanNucedAndshallcomeinTOforceonseptember11 ,2010.
Prezident: Zhouxiaochuan
14. června .2010
FullTextThePolicy
Nefinanční administrativeMistriveMeasures forInstitutionPaymentmentServices
KAPITOLONEGENERALPROVISS
Článek1istopromothehealthydevelvelofththePaymentServicemarkeTandregulateTePaymentFnon-financialInTitionsServiceBehavioři, prevencePaymentRISKS, a -ProtectionofTheLegitimaterightSinterestSoftHestarties concerted..TheseasureSaredInActordances s „lid'sBankofchinawoftthepeople'srepublicchina“ atherlawsandregulace.
Článek2therm „Nefinanční si.
(1) online platba;;;;
(2) emiseandacceptanceofprepaidcards;;;;
(3) BankCardReceipt;;;;
(4) ChinaortPaymentServicesDeterminedBethepeople'sBankofchina.
Theterm „Online Payment“ asmentionintheseasuresreferstotheactofTransferringMonetaryFundsbetween -payersAndonPublicAteNetworks, včetně procesu, internetová paprsek, mobiliphonePayment, digitální phocha.
The PrepaidCardmentionintheSeSuresreferstotheprepaidValueofgoodSorserviceSpurcheseoutSidetheisUingInstituinuingInstitutionFor-the-the-the-the-the-firporposes, včetně TheuseOfMagneticStripe, chipandothertechnologií, hesla, atd. Atd. Atd. Atd. Atd. Atd. Atd. Atd..APPEPAIDCARDISSUDED.
Theterm „AcquisitionOfBankcards“ AsmentionintheSeasuresReferstotheactofCollectingMonetaryFundsforBankCardMardMandThrough-bod-prodej (POS) terminály.
Článek3nnon-financialInTitutionsProvidingPaymentsServicesHallobtainthe "PaymentBusinesspermit" InaccordanceswiththeProvisionsOfTheseSuresSapayanaymentinInstitutionshiption.
PlathInTitutionsAcceptSuperVisionAndmanagementofthepeople'sBankofChinainaccordancewiththelaw.
Bez toho, aby se poprolovatofthepeople'sBankofchina, non-financialInstituidIdvidualMayEngageIndisguidsGuisedSengageinPaymentBusiness.
Článek4transferofMonetaryFundsbetween PaymenmentInTitutionsshallbeHandledBankingFinancialInTitutions, andshallBeHandledBedledByManSofMutualDepositofMonetaryFundsBypaymentInTitutionsOrSontRustingotherPaymenTmenTitions.
PlathInstitutionsShallTothandTethetRansferofMonetaryFundsbetween BankingFinancialInTitutions, s výjimkou kontroly.
Článek5PaymenmentInTitutionsShallFollowTheprinciplesofSafety, Efektivita, integrita ashallotharmthenationalnterErest, SocialPublicInterestandthelegitiMaterightSandSinterestSofCustoMers.
Článek6PaymenTinTitutionsShallComplyWithrelevantanti-Moneylaunderingregulation aperformanti-Moneylaunderingobobligations.
Kapitolatwo "Application apermit
Článek7: The People'sBankofchinaIsReakiblefortheissuanceandmanagementOf „PlaysBusinessLicense“.Thosewhoapplyforthe"PaymentBusinessPermit"mustbereviewedbythelocalbranchofthePeople'sBankofChinaandreportedtothePeople'sBankofChinaforapproval.
Thebranchofthepeople'sBankofchinareredTointheSeSeasuresreferstothebranchesofthepeople'sBankofchinaabovethesUb-provincialCentralbranchofAcity.
Článek8applicantsforthepaymentBusinessPermitshallMeetTheFollowingConditions:
(1) AlimitedLiabiliationCompanyorJointStocklimitedCompanyleGallyGallyStabledWithInTherertiofthePeapeople'sRepublicOfchina, Andritisanon-financialInstitutionLegalperson;;;;
(2) haveaminimuMountOnTofregisteredCapitalThatMetsTequirementomentsOfTheseasures;;;;
(3) haveaconTributThorthatMetsTequirementsOfTheseMeasures;;;;
(4) thereeremorethan5seniormanagerswhoarefamiliarwiththepaymentbusiness;;;;
(5) Haveanti-MoneylaunderingMeasuresthatMeetTequirements;;;;
(6) Havetherequirements -PaymentBusinessfacility;;;;
(7) HaveasOndorganizationalStructure, InternalControlSystemAndriskmanagementMeasures;;;;
(8) haveabusinessplaceandSecurityMeasuresthatMeetTequirements;;;;
(9) TheApplicantanditsSeniormanagementPerSonnelHavenotbeenPunisedForusingPaymentServiceStoCarryoutIlLegalorCrinactivitiesorToHandlepaymentServicesForIllegalandCriminactivitiesInterepast3yearsearsearsearsears.
Article9Ifanapplicantintendstoengageinpaymentbusinessnationwide,theminimumregisteredcapitalshallbe100millionyuan;;;;ifanapplicantintendstoengageinpaymentbusinesswithinaprovince(autonomousregionormunicipality),itsregistrationTheminimumcapitallimitis30millionyuan.HOMINIMAMOUNTONGREGISTEREDCAPITITACTIACTYPAIDIAL-INCURNENCYCAPITAL.
AsmentionedintheseMeasures,thepaymentbusinessiscarriedoutnationwide,includingapplicantswhosetupbranchesacrossprovinces(autonomousregions,municipalities)toengageinpaymentbusiness,orcustomerscantransactpaymentbusinessacrossprovinces(autonomousregions,municipalities)situation.
The People'sBankofchinaadjuststheminimaLountOnTofregisteredCapitalForApplicantsinAccordanceWithrelevantNationAlaws, předpisy apolitiky.
TheBusinessScopeOfforeign-InventedPaymenTinTitutions, thequalificationsOverSeasInVestorSandtheproportionOfCapitalContributions atd.., stallbeseparatelystipulatedbythepeople'sBankofchinaandSubMittedTothestateCouncilfoval.
Článek
(1) ItisalegallySabloisedLiMitedLiabiliationCompanyorJointStocklimitedCompany;;;;
(2) AsoftheapplicationDate, kontinuálně provideInformationProcessingSupportServicesforFinancialInTitionSformorethan2years, orProvideContinuousInformation -ProcessingSupsinessSupsinessSupSurSurSupSurcesSurServicesforeCeactivititiesformorethan2years;;;;
(3) asoftheapplicationdate, ContinuousEarningsformorethan2years;;;;
(4) Inthelast3years, nopunishmenthasbeenosedForusingPaymentServiceSerceStoCarryoutIlLegalorCriminactivitySortohandlepaymentsServicesForIllegalorCriminactivitivity.
ThemaininvestorasmentionintheSuresSincludestheinvestorWhohasactualControfTheappliCanttheInVestorwhoholdsmorethan10%oftheequityoftheapplicant.
Článek11theapplicantshallSubMittheFollowlingDocuments amaterialStothelocalbranchofthepeople'sBankofchina:
(1) Psaní, uvádí se k názvu, bydliště a registrace, organizační struktura a podporovaná společnost Paymentsbusiness atd..;;;;
(2) CopyOfCompanybusinessLicense (duplikát);;;;
(3) články;;;;
(4)Capitalverificationcertificate;;;;(5)Financialaccountingreportauditedbyanaccountingfirm;;;;
(6) PlaysBusinessFeasibilityStudyreport;;;;
(7) Anti-MoneylaunderingMeasuresAcceptanceMaterials;;;;
(8) TechnicalSafetyTestingCertification;;;;
(9) resumeMaterialsOfSeniorManagementPersonnel;;;;
(10) Žadatelé a agentury arercirtificateofnon-criminalrecordofseniormanagementPerSonnel;;;;
(11) Relevantní materialsofthemaininvestor;;;;
(12) Prohlášení outhenticityFapplicationMaterials.
Článek12theapplicantshallounCetheFollingMattersAsRequiredFivesiingTheacceptancancenotice:
(1) TheApplicantsregisteredCapitaLaNaNequityStructure;;;;
(2) ListOfmaJorinVestors, ShalkaringratioandFinancialStatus;;;;
(3) ThePaymentBusinessTobeapliedFor;;;;
(4) TheApplicant's Businessplace;;;;
(5) TechnicalSafetyInSPectionSCertificationCertificateOfPaymentBusinessfacitys.
Článek13thebranchesofthepeople'sBankofChInashallacceptallApplicationsTheetTorequirementSinacdancewiththelaw, andsubmitthepreliminaryReviewopionApplicapplicationMaterialStothePeople'sBankofchina.OnReviewandApprovalBythepeople'sBankofchina, „platesBusinesspermit“ musí být.
„PlaysBusinessLicense“ IsValidFor5yearsfromTedateoFissuance.IfApaymenTinstitutionIntendStoContinueGenGageinPaymentBusinessAftertheexpirationofTHepaymentbusinesspermit, itshallsubmitapplicationForrenewaltothelocalbranchople'SBankofchinawithin6MotHSBeFeexpirationOfTheterm.Ifthepeople'sBankofchinaapprovestHerenewal, thevaliDidityPiodoofeachreNewalis5years.
Článek14iFapaymenTinstitutionChangeSanyofTheFollowingitems, itshallreportTothePeople'sBankofChinaFrovalBeroAppingtotheComPompanCompanyregistrationAuthorityForchangeRereGistration:
(1) ChangeOfCompanyname, registrovanáCapitaLororganizationalForm;;;;
(2) Changethemaininvestor;;;;
(3) Mergerorivision;;;;
(4) AdjusinessCyPeorchangeBusinessCoverage.
Článek15WHenaPaymenTinstitutionAptionSorminationOfPaymentBusiness, itshallSubMittheFollingDocuments amaterialstothelocalbranchofthepepolesBankofchina:
(1) WriTtenSignEdBytheLegalrepresentativeofTheCompanyApplication, uvádějící, companyname, PaymentBusinessDevelopmentStatus, navrhovaná zakončeníPaymentBusinessAndReaningerformination atd..;;;;
(2) acopyofthecompany'sBusinessLicense (duplikát);;;;
(3) acopyofthe „PlaysBusinesSlicense“;;;;
(4) zákazníka SLEGALRIGHTSProtectionPlan;;;;
(5) PlaysBusinessinessInformationProcessingPlan.
IfTeterminationIsAproven, The PaymenmentInstitutionshallCompleTeterminationworkInAccordanceWithThEapprovalofThepeople'sBankofchinaandreturnthepaymentbusinesspermit.
Článek16FormattersNotStipulatedEthelicensingProcedureSinthischapter, „People'sBankofchinaAdministrativelicensingimplementationMeasures“ (People'sBankofchinaorder [2004] Ne.3) musí být.
KapitolaiisupervisionAndManagement
Článek17PaymenTinTitutionsshallengageinbusinessActivitiesInAccordancewithTheBusinessScopeapprodBePaymentBusinesspermit.ThenageGingInBusinessOutSideTheapprovedSCopeshallNotBeoutSourced.
PlathInTitutionsArenoTallowedTotransfer, Lease, Orlendthe "PlaysBusinessLicense".
Článek18: PaydInTitutionsshall, Neoprávněná sjednávání, formulace PaymentMedSandCustoMerrightsProtectionMeasures, založte anrimproveriskmanagement adternalcontrolsystems, andreporttothelocalbranchofthepepeoplesBankofchínafortherecornsbkofchecowherecorndownsBonkofchecowortherecork..
Článek19PaymenTinTitutionsShalldetermineThechargingItemSanging StandandardsForPaymentsServices, AndReporttothelocalbranchofthepeople'sBankofchinafortherecord.
PlathInstitutionsShallPubliclyDiscloSethechargingItemSandCharging StandardsOfthirPaymentServices.
Článek20: PlathInstitutionsShallSubmitPaymentBusinessStatisticalReportSandFinancialAccountReportStothelocalbranchofthepeople'sBankofchinainaccordanceswithregulation.
Článek21: PlathInTitutionsShallformulatePaymentServiceAgreementStoclarify theirrightSandobligations withCustomers, principles forHandlingDisputes, andliability forBreachOfConntract.
PaydInTitutionsShallPubliclyDiscloSethetHethatclauseSofththePaymentServiceAgreement areportTothelocalbranchofthepeople'sBankofchinafortherecord.
Článek22WhereaBranchOfapaymentInstitutitionIsengagedInPaymentBusiness, The PaymenmentInstitutionAnditsbranchshallgoTothelocalbranchofthepeople'sBankofchinafortherecord.
Ifthebranchthepaymentinstitutionterminatesthepaymentbusiness, itshallbeHhandleDinaccordancewithtHeprecedParagraph.
Článek23WHenapaymenTinstitutionAcceptsacustomer'sReserve, itcnonlyissueaninvoiceTotheCustomerBasedEntEsservicefeecharged, andcannotissueaninvoiceBasedacceaccenToftheCustomer'Sreserverserverserverserverserverserserverserverserverserverserverserverserverserverserverserverserverserserverserserverserverserverserverserverserserverserserserserserserserserserserserserserverem.
Článek24theCustomerServefundacceptedBythePaymenmentInstitutionDoesNotbelongTothePaymenmentInstitution'SownProperty.
PlathInstitutionsCanonlyTransferreservefundsBasenPaymenmentInStructionSinititedByCustomers.ITIsForbiddenForPaymenmentInstitutionStomisApPropriateCustomerServefundsinanyform.
Článek25, The PaymenmentInstitutionshallRecordtheFollowingitemSinthepaymentinStructionItitedBetheCustomer:
(1) Poté, co semeofthepayer;;;;
(2) thedeterMineDinedAmount;;;;
(3) Poté, co semeofthepayeeeee;;;;
(4) Poté, co se stane obrkorskorpaymentinstitution;;;;
(5) Poté, co se stane oofTeBeneficialitar'sBankorPaymenmentInstitution;;;;
(6) Thedateofinititionofthepaymentinstruction.
IfacustomerPayStharoughAbankSetlementAccount, The PaymenmentInstitutionShowalsOreCordtheCoreRoreDoredBankSettlementAccountNumber.IfacustomerPaysHourougroughAnon-BankSetlementAccount, The PaymenmentInstitutionshalLoreCordthenameandmumberentheCustomer'sValidid.
Článek26WHenapaymenTinstitutionAcceptSaclient'sReservefund, itshallopenaspecialDepositeCountForthereServeFundinaCommercialBanktodepositereservefund.Pokud není v souladu s tím, že máthepeople'sBankofchina.
PlaysInTitutionsCanonlychooseoNecommercialbankasthereservefunddepositoryBank, AndonlyoNeSpecialReserdedePositaccountcanbeneDinabRanchommercialBank.
The PaymenmentInstitutionshallSignareServeRefunddepositoryAgreementWithThelegalentityORauthorizedBranchTheCommercialBankTocLocLarifytherights, povinnosti a responsibility ofbothparties.
PlathInstitutionsShallSubmitinformationOnTheDepositoryAgReement aspecialDeposiTaccountForreServeFundStothelocalbranchofthepeople'sBankofchina.
Článek27thebranchOfapaymenTinstitutionShallNopenaspecialReservedeDepositeCcountinitInSownName, a conlyDepositTheacceptedreserveintheSereServeredBythePaymenTinstitutionDonstitutionDepositeccount.
Article28Whenapaymentinstitutionadjuststhepositionsofdifferentspecialreservedepositaccounts,thelegalentityofthereservedepositorybankshalladjustthebalanceofthespecialreservedepositaccounttobeadjustedbythepaymentinstitutionCarryoutareviewandinformthepaymentinstitutionandtherelevantreservefunddepositorybankofthereviewopinions.
ThePaymenmentInstitutionshall, s ThereViewopinionsIssuedbythelegalpersoninstitutionOfthereserdedePositoryBank, handlethePositionAllocationocationocalocationovocteSePosialDaccountFortheReservefundundes.
Článek29thereservedeDePositoryBankshallSuperVisetheuseofCustomerRererveFundsDepositedInThisinSinstitution a providethebranchofthepeople'sBankofchinawhereEreserEdedePositoryBankISLocated.InstitucedthelegalpersonInstitutionsOfthereserveFunddepositoryBankshallSubmitinformation amaterialssuchasthedepositoryorusagestatusofthientient'Sreservefund.
Forthepaymentinstitution’sapplicationorinstructiontousetheclient’sreservefundinviolationoftherelevantprovisionsofArticles25to28,thereservedepositorybankshallrejectit;;;;itisfoundthattheclient’sreservefundhasbeenIncaseofillegaluseorotherabnormalcircumstances,itshallimmediatelyreporttothebranchofthePeople'sBankofChinawherethereservedepositorybankislocatedandthelegalpersoninstitutionofthereservedepositorybank.
Článek30: Theratioofthepaid-inmonetaryCapitaliofThePaymenmentInstitutionTotheageDailybalanceofTheCustomer'sReserShallNotbelessThan10%.
„Průměrně alancebalanceofcustomerrersers“ zmínil se o tom, jak se uvedl, že mávageagAlentCalculatedBelegalentityofthereserdedeDepositoryBasenToTaLaMountOnToTaLaMountOnToLaMountOnToLaMountOnTofCustorerserserSanEndofeaDofThePaymenTinTinTinTonast90DadaysValue..
Článek31THepaymentinstitutionshallChallChecktHecustomer'sValidiDorotherValidicidentificationDocumentsAsSASSAVERIED a RegistertheBasicinformationofThEstomer'sSidentity.
ApaymentinstitustitutionthatknowsowshowshowshaltacustomerusesitsSpaymentBusinessToCarryoutIlLandCriminactivitiessHouldstopProcessingPaymentServicesforit.
Article32Paymentinstitutionsshallhavethenecessarytechnicalmeanstoensurethecompleteness,consistencyandnon-repudiationofpaymentinstructions,thetimeliness,accuracyandsecurityofpaymentbusinessprocessing;;;;Possessdisasterrecoveryprocessingcapabilitiesandemergencyresponsecapabilitiestoensurethecontinuityofpaymentbusiness.
Článek333PaymenTinTitutionsshallProtectCustomers'CommercialSecretsinAccordancewiththelawandshallNotdiscloSetHemtotheoutsideWorld.Kromě asotterwiseprovidedByLawSandregulations.
Článek34PaymentinInTitutionsshallProperlyekeeptheBasicCustomeridentityInformation, PlaysBusinessInformation, AccountingFilessandotermaterialSinaccordancewithregulations..
Článek35PaymentInTitutionsshalcceptregularregularen-siteInsPectionsAndoff-siteInspectionsBepeoplesBankofchinaanditsbranches, poskytovatelé, ashallNotreFuse, prostructorevadeinsction, andshallNotMakefAlserorts., ConcEalandDestroyRelevanTevidencematerials.
Článek36thepeople'sBankofchinaanditsbranchessHallconductCorporategovernance, BusinessActivities, InternalCol, Riskstatus, Andanti-MoneylaunderingofPaymenmentInTitutionSinaccordanceWithLaws, Administrativeregulation.Čekámeforregularirregular-siteInspectionsandoff-siteInspections.
People'sBankofchinaanditsbranchesconductucton-siteInspectionsOfPaymenTinTitutionsInAccordancewiththelaw, a Applythe „Lid'sBankofchinawenforcementInspectionProceDureGulation“ (People'sBankofchinaorder [2010] Ne, [2010] Ne, [2010].1promulgated).
Článek37thepeople'sBankofchinaanditsbranchesMaytaketheFollingMeasurestoconducton-siteInspectionsOfPaymenmentInTitutions:
(1) AskTheStaffofPaymenTinTitutionsAnSasktHemtoExplaiNandexPlainTheinThedTitems;;;;
(2) ViewandCopyTocuments amaterialsRelatedTotheindentedItems a sealthelealdedocuments amaterialsTayBayBransfransferred, skrytí;;;;
(3) CheckThespecialDeposiTAccountAndRelatedAccountSoftHecustomerServefundofthePaymenmentInstitution;;;;
(4) CheckthePaymentBusinessfacibilitySanitedAslatedfacibility.
Článek388ifapaymenTinstitutionHasoneofTheFollowingCircumstances, The People'sBankofchinaanditsBrancheshaverightToorDorToorStorostopsomeoRallofthepaymentbusiness:
(1) TheAcCumulatedLossexleds 50%ofTactualPaid-incurrencycapital;;;;
(2) v tom, žerbusinessRisk;;;;
(3) V tomto.
Článek399ifapaymenTinstitutionInterMinedDuetodissolution, CancellationOrdordeclarationOfBankRukrot, ItLiquidationshallbeHandleDinaccordancewithreLevantNationAlawSandregulace.
KAPITOLIVALTYPORTYPROVIZE
Article40ThestaffofthePeople’sBankofChinaanditsbranchesshallbesubjecttoadministrativePunishment;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedaccordingtolaw:
(1) porušení ThereGulationStoreViewandApProveTheapplication, modifikace, ukončení atherMatters jako „PlaysBusinessLicense“;;;;
(2)) CheckingPaymenmentInTitutionsInViolationOfregulation;;;;
(3) úniku známýchStateSecretsorTradeSecrets;;;;
(4) OtheractSofabuseofPowerAndNegligenceOfDuty.
Article41Ifacommercialbankhasanyofthefollowingcircumstances,thePeople’sBankofChinaanditsbranchesshallorderittomakecorrectionswithinatimelimit,andgiveawarningorimposeafineof10,000to30,000;;;;thecircumstancesareserious,ThePeople’sBankofChinaordersittosuspendorterminatethedepositorybusinessoftheclient’sreservefunds:
(1) FaillingTorePortToreDepositoryORusageInformationofTheClient'sReserveFundsAsSasRequired;;;;
p>;;;
(2) selháníToreViewThePaymenmentInstitution'sAdjustmentFthePositionOfThespecialDeposiTAccountForreServeFundscordingToregulations;;;;
(3) FaillingTocheckthepaymenTmennstitution'sSuseofCustomerRerervefundsinsiolationOfregulationTheapplicationOrinstructionSrejectedEded.
Článek42ifapaymenTinstitutionHasanyofThollowlowingcircumstances, TheBranchfthePeople'sBankofchinashallorDomakeCorrectionswitHinatimelimit a GiveAwarningoRimPoSeafIneof10 000YUanupto30000yuan:
(1) FailureToestablishRelevantSystemSandMeasuresRiskmanagementMeasuresAsAsAsAsAsAsAsAsRequired;;;;
(2) FailureToGoGothRoughRelevantFilingProceduresAsRequired;;;;
(3) selháníreregulace forpublicDisClosureofRelatedMatters;;;;
(4) FailureTosubMitorKeeprelevantMaterialSinaccordancewithwithregulation;;;;
(5) FailureToHandleRelelatedChangesinaccordancewithwithregulation;;;;
>;;;(6) FailureToissueinvoiceStocustomersAccordingtoregulation;;;;
(7) FailureTokeepCustomers'BusinessSecretscordingToregulation.
Article43Ifapaymentinstitutionhasoneofthefollowingcircumstances,thebranchofthePeople’sBankofChinashallorderittomakecorrectionswithinatimelimitandimposeafineof30,000yuan;;;;ifthecircumstancesareserious,thePeople’sBankofChinashallcancelitspaymentbusinessLicense”;;;;ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw:(1)Transfer,lease,orlendthe“PaymentBusinessLicense”;;;;
(2) překročení přípravku BusinessScopeOoutSourcingtheBusiness;;;;
(3) selháníTostoreoRuSethecustomer'sReserveFundasRequired;;;;
(4) nekompletně sOptatioofpaid-inmonetaryCapitalTotheClient'Sreservefund;;;;
(5) InterruptorMinateThePaymentBusiness withutHoutJustifiableason;;;;
(6) odmítnuté zamítnutí;;;;
(7) OtherviolationsOflawSandregulationsTangerThalableStablePoperationOfPaymenTinTitutions, harmthelegitimaterightsandinterestsofcustomers, orenderthePaymentServiceMarkeTetEthetEt.
Article44Ifapaymentinstitutionfailstoperformitsanti-moneylaunderingobligationsinaccordancewithregulations,thePeople’sBankofChinaanditsbranchesshallimposepenaltiesinaccordancewithrelevantnationalanti-moneylaunderinglawsandregulations;;;;ifthecircumstancesareserious,thePeople’sBankofChinashallcancelits"PaymentBusinessLicense".
Article45IfapaymentinstitutioncontinuestoengageinpaymentbusinessbeyondthevalidityperiodofthePaymentBusinessPermit,thePeople’sBankofChinaanditsbranchesshallorderittoterminatethepaymentbusiness;;;;ifacrimeissuspected,itshallbetransferredtothepublicsecurityagencyaccordingtolawFileacaseforinvestigation;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
Článek46if „PlaysBusinesspermit“ ISAPLIEDFORYFRAUDOROTROTREMPROPERMEANSBUTISNOTAPRED, TheApplicantanttheInVestorholdingMorethan5%ofitsEquityshallNapplyorreapplywithin3years.Zúčastněte se applikace pro "PaysBusinessLicense".
Forthosewhoapplyforthe"PaymentBusinessLicense"byfraudorotherimpropermeansandhavebeenapproved,thePeople'sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusinessandcanceltheir"PaymentBusinessLicense";;;;suspectedIfacrimeiscommitted,thecaseshallbetransferredtothepublicsecurityorganforinvestigation;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw;;;;applicantsandinvestorsholdingmorethan5%oftheirequityshallnotreapplyorparticipateintheapplicationforthePaymentBusinessPermit.
Article47Ifanynon-financialinstitutionorindividualengagesinpaymentbusinesswithouttheapprovalofthePeople’sBankofChinaorindisguisedform,thePeople’sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusiness;;;;ifacrimeissuspected,Transferthecasetothepublicsecurityorganforinvestigation;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
KAPITOLA5SUPPLEMENTLEMARYPROVIZIZE
Article48Non-financialinstitutionsthathaveengagedinpaymentbusinessbeforetheimplementationoftheseMeasuresshallbeimplementedonthedateofimplementationoftheseMeasuresApplyforthe"PaymentBusinessPermit"within1year.ThosewhofailtoObtainitWithIntheliMitshallNotContinuegageinPaymentbusiness.
Článek49: The People'sBankofchinaisresponSoniblefortheinterpretationOfTheseasures.
Článek50TemeSuresShallcomeintonoforceonseptember11, 2010.
InterpretationofTheContent
ThepersoninfarchtherelevantDepartmentofthepeople'sBankofchinaanswersrePorters, který je „MeasuresfortheadministrationOfPaymentServicesFornon-financialInTitutions“
1.OTÁZKA: Whatthebackground asignificanceofThepromulgation of „Opatření“?
Odpověď: WiththerapiddevelofNetworkInformationandCommunicationTechnologyandToNinuousDivisionOflaborandrefinementOfPaymentsServices, moreandmorenon-financialInstitutionShaveuseuseInternet, mobilephonephoneSanologyNologyGestologistESTOPATECTIACEInSamenTusinessiness.Nefinanční představeníProvidingPaymentsServices aoperatingandCompetingwiththeBankingIndustryhaveBecomeaNportantForce.TraditionalPaymentsServicesArelAllyUndertakenBakeBebankingStoctor, takové řešidla, billexchangeservices, přímýchtransferservices atd.., Wireergingnon-financialInTitutionsInterveneinthePaymentsServiceSystemAndUseelectronicMeanStoPideMarketTradersWithFront-endpaymentorback-endoperationsservices, soitisOftenreferredtoas "."PracticeHasprovedTthatnon-financialInTitionSuseInformationTechnologyAndelectronicMeanStoprovidePaymentsServices, který GreatlyenrichestheServIcemetdod.SocialproblemssuchasswaitingInlineanddifficultyInfindingChange.TheDiversified aPersonalizedSamenServicesOfnon-financialInstitutionShaveBetterMepaymentneedSofe-commerCompaniesAndIndividuals, propagované vývoje-commmerce, aplayedaroleinsupportingMacroeconomicSussuschas „stimulationscondondingdomdomdomdomdomdomdomdomdomdomdomdomdonding“ “.pozitivní účinky.Přestože se ačkolivsServicesOfnon-financialInTitionsAremainlyConntratetailPaymentfield a theirbusinessvolumeissMallCoparedWithtHepaymentServicesProvidedByBankingFinancialInTitions, jejich servicetargetgeregeverylarge, abancardscarders, a bankcarndions a bankcarndions, a bankcarge, a bankcarge a bankcarge..Aprepaidcardhalders atd., jeho ITFLUENCEISVERSEDENTENSKÁ.AsofTheendofThefirstquarterof2010, AtoTalof260Non-financialInstitutionLegalpersonshavesubMittedPaymentBusinessMaterialstothePeople'SBankofchina, nejvíce swhicharedagedInternetpayment, molepayment, andessuanceofPrepaidCanderscards a assuanceofPrepaidCanders..
S.vyrobit.Suchastheprotectionoftherightsandinterestsofthecustomer’sreservefunds,theissueofviolationsintheissuanceandacceptanceofprepaidcards,theimplementationofanti-moneylaunderingobligations,thesecurityofinformationsystemsrelatedtopaymentservices,theviolationofmarketcompetitionrules,andtheissueofdisorderlyengaginginpaymentservices,etc..TheSeProblessAredificTificultTOSOLLYBELYINGONMARKETFORCES a MUSTBEPREVENTADENTADAND ARVIDENTIMELIMELYLIMELYMENTROUGHRUGHSYLYLAWSANDREGULACE a SUPERVISORYMEASURES.
TheleadingComadesofththepartyCentralCommitteeandthestateCoucincillattachgreationTothesupervisionOfnon-financialInTitutions'PaymentServices avesuedueDionSportantinStRantinStructionSonymanyocasasions.AthestatutorysUperVisoryAdministratorofchina'Spaymentsystem, ThePeople'sBankofmyCountConscientiousImplementsTequirementsOfThepartycentralAlMommitteeandthestateCoucillon „intenzivně“.Prostřednictvím businessInnovation, PaymentServiceentiesContinueToenrichpaymentMethods, zlepšení PaymentsServiceefficience a complywiththeever-vyvíjející sepaymentServiceneedSoftHepublic.AtThesametime, onigorouslypromotetheConstructionOfPaymentServiceMemarket-relatedSystems, singsenthesUpervisionAndmanagementOfPaymentmentServicesOfnon-financialInTitutions, and PreventvariousFinancialriskesksskeds.ONTHEBASISOFORGANIZACE a CARRYingOutToNistrationOfPaymentsServicesOfnon-financialInstitutions, AilicitingopinionsAndSuggestionsFomallSectorsOfTheSociety, andlearningfrominternationAlexperience, the-People'sBankofchinafulaceDandissuedTheseasurs..
FormulationAndimplementationOf „Opatření“ IsanimportantPractiticeToGuideThePeople'sBankofchina'sSupervisionAndmanagementOfThePaymentSystemBasenTeshientificientificientificientificientificientificientificientificOutlookondevements.Důležité.Thepromulgationofthe"Measures"meetstheneedsofnon-financialinstitutionsforstandardandorderlydevelopmentbasedontherulesofequalcompetition,meetstheneedsofconsumerstosafeguardtheirlegitimaterightsandinterests,andguaranteethesafetyoffunds,andmeetsthestate'srequirementsforencouragingfinancialinnovation,developingfinancialmarkets,andsafeguardingfinance.PakeedForstability aSocialStability bude definitivněHaveapositiveanDimportantimpacTonthealthyDealthydevelofMyCountry'SFinancialSystem.
2.Otázka: WhatitheGuidisiDiDideology, „metody“?
Answer:ThePeople’sBankofChinaadherestotheguidanceofthescientificdevelopmentconcept,strengthensthesupervisionandmanagementofpaymentservicesfornon-financialinstitutions,andclarifiestheworkthinkingoftheInnovative,market-led,andstandardizeddevelopment",andbasedonthis,theguidingideologyofthe"Measures"isdeterminedtobe"equalemphasisonstandardizeddevelopmentandpromotionofinnovation."
„Regulovaný vývoj“ hlavněreferstotheestablingurintionFaunifiedNon-financialInstitutionPaymentserviceMarkeTaccessSystemandStrictSupervision anagementMechanism.OnSurethatDifferentInTitionsFollowThesamerulesHengagingintheSameBusiness, preventUnfairCopetition, ProtectTheLegitiMaterightSandSinterestStheparties, andMaintaintheStablePoperationofthepaymentServiceMarkeTetEthetEtEtEtEt.
"Promotinginnovation"mainlyreferstoadheringtothemarket-orienteddevelopmentdirectionofpaymentservices,encouragingnon-financialinstitutionstotakethemarketasthelead,andcontinuetoinnovateunderthepremiseofensuringsafety,soastobettersatisfysocialandeconomicactivitiesDemandforpaymentservices.
3.OTÁZKA: HowarepaymentServicesOfnon-financialInTitutionsRegulationInternationly?
Odpověď: Na mezinárodní úrovni, intomecantrieswherethenon-financialInstitutionPaymentServiceMarkethasdeveredEarlierandFaster, TheGovernment'sSupervisionOfSuchmarketsHassgraduallysHiftedFrombeingBiasedTowards „Self-DiscipliplineandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaandlaanDlaissez-faire..„Poplativní účetní řízení“ změna.Z toho, že se vyskytují, z nich, nejvhodnější, nejpozitně zaušenitedStateSantheeroneuroneroneurifiifiifiedInstitutionSonductPaymentServicenOrderSanderSaNordizedManner.SpecificEasuresIncludeThementFementationOfTargetedBusinessLicesens, theSestablesingusSentryThresholds, theSestablesingOnsCinspectioN areportingSystems, theProtectionOfCustoMerrightSanderestStRoughSetGuarantees, a astrengtheningOfmanagementOnTonationSwithwithwithentitions.
TheNitedStatesDefinessiMilarilarinstitutions (včetně non-financialInTitutionsandnon-bankfinancialInstitutions) asmoneyServiceInstitutions.Morethan40statesitenitedStatesRefertothe "uniformCurrenrenCyServiceAct" toformulatelawstosupervisecurrencsyServices.TheSelawsgenerallyEmfasizeThemanagement aregulationOfnon-BankInTitutionsEngurrenCyServicesByissuingLiceses.InstitucegenagedIncurrenCyServices MustoBtaiNaspecialBusinessLicenseandMeetthereLevantqualificationRequirementsForInvestmentantEntities, Businesslocations, FinancialStreth, FinancialStatus a BusinessExperience.CuranceServiceInTitutionsshallMaintaighDegreeofliquidity aSecurityofTransactionFunds, ashallNotengAgeinbank-likedepositionandloanbusiness, andshallotretainoruseCustoMerTransactionswundswithorizace.TaninstitutionsShowlsalsocomplywithrelevantantiantI-MoneylaunderingregulationRequirementSesuredataanDinInformationsEcurity.
TheeuroneaneaneunionhasscassCascasilysformuloval „elektronickou kapitolu“ a „interním theMarketPaymentsServIcetivective“ foreInstitutionSenginelectronicCurrencyissuanceandClearing, arevised the „ElectronicCurrencydictive“ opět2009.TheSelawSemfashateUMEMBerStatesshoulImplementaBusinessLicenSyStyForElectronicMoneyInTitionsAndPaymenmentInstitutionStoenSurethatonlyInTitutions.Paymentinstitutionsshouldstrictlydistinguishbetweentheirownfundsandcustomerfunds,andprovideinsuranceorsimilarguaranteesforcustomerfunds;;;;whenelectronicmoneyinstitutionsprovidepaymentservices,thetotalamountofinvestmentusedfordemanddepositsandsufficientliquidityshallnotexceed20timesoftheirownfunds.Similarly,theFinancialServicesandMarketsActoftheUnitedKingdomrequirestheimplementationofbusinesslicensesforinstitutionsengagedinelectronicpaymentservices,andelectronicmoneyinstitutionsmustusecompliantliquidassetstoprovideguaranteesforthevalueofcustomers’advances,andthetotalvalueofcustomers’advancesmustnotbehigh8timesofitsownfunds.
SouthKorea,Malaysia,Indonesia,Singapore,ThailandandotherAsianeconomieshavesuccessivelypromulgatedlawsandregulations,requiringelectroniccurrencyissuerstoobtainpriorauthorizationorpermissionfromthecentralbankorfinancialThevaluecardsetstheupperlimitoftheamount,etc.
MyCountry'Snon-financialInstitutionPaymentsServicesTartedLateButderapidly, andrelatedproblemssgraduallyedred scontinuousdevelopmentofBusiness.Založený na založení, který jedjeanalysisofThedevelonTrendofnon-financialInTitions'PaymentsServiceanddrawingoninternationAlexperience, The People'SBankofchinaHasestabledAnLon-financialinstitution'SpaymenServiceSupervisionAndAnagementHinkINGINGINGINGINGINGINTIONS.
4.OTÁZKA: PROSÍM, ŽE.
Odpověď: „Opatření“ HASFIVEChapters50Artails a AthemainContentsre:
KAPITOLONEGENERALPROVISS,whichmainlystipulatethelegislativebasisandpurposeofthe"Measures",Legislativeadjustmentobjects,paymentbusinessapplicationsandpermits,thesupervisoryresponsibilitiesofthePeople’sBankofChina,andtheoveralloperatingprinciplesofpaymentinstitutions’paymentbusinesses.
KAPITOLATWO, ApplicationPermit, hlavně ChistipulatestHemarkeTaccessConditionsforPaymentServicesOfnon-financialInTitutionsAndtHetWo-LevelapprovalProcedureofThepeople'BankofchinaonThe "PaysBusinesspermit".ThemarkeTaccessConditionsMainlyphasizetheapplicant'SInstitutionAlutura, RegideredCapital, Anti-MoneylaunderingMeasures, PlaysBusinessfacility, CreditStatus athequalificationRequirementsThemaininvestorsHouldMeetMeet.Nepřijevo, divadlo, theapprovalquirementsforChangesinPaymenTinstitutionShavebeenclarified.
KapitolaiisupervisionAndManagementmainlystipulatestheresponsibilitiesandobligationsofpaymentinstitutionsinregulatingoperations,fundsecurity,andsystemoperation.StandardizedRerationMainlyemphasizesthatPaymenmentInTitutionsShoulDengageinPaymentBusinessWithIntescopeopeoProval, reportsanddisclosebusinessCarges, FormulateanddisCloseSerceAgrees, Att -Costandize, Att -Costandize, a astandantsandize, a astandantsandize, a a astandantsandialize, a astandarzérinsantoninga, a a astandarzérinsandion, a a astandardize, a astastátní, a a astačící, a a a a a a a a a a a a a akundializují, a akundialize, a astačí, a askontualize...FundeSecurityMainlyEfasizesthatPaymenTinitutionsShowddepositacceptedCustomerServervefundSintheCommercialBankaccount, a canonlyuseitinAccordancewithCustomerRequirements.TheoperationOfThesystemMainlyEmphasizestHatthePaymentinstitutionShovethethethethethenSaryTechnicalmeans, DisasterRecoveryProcessingCapabilitySanitiveSermergencyResponsecapability.Nepřipravování, platebInTitutionsAlSoneedTocooperate withthepeople'SBankofchinaforVisionAndInSPectionCordingTolaw.
KAPITOLA 4PenaltyProvisionsMainlyClarifythelegalResponsibilityFthePeople'sBankstaff, komerční banky, platebInTitutionsAndoterReaktibleEntities.
KAPITOLA5SUPPLEMENTLEMARYPROVIZIZEmainlyclarifythetransitionperiodrequirementsandimplementationdateofthe"Measures".
5.Otázka: WhatPaymentsServicesCannon-financialInTitutionsProvide?
Odpověď: „Opatření“ objasňují, že jsou-financialInstitutionPaymentsServicesReferton-financialInstitutionsAsIntermediariesBetweenspayersAndPayerstoprovidemonetaryand afundtransferservice.
(1) Onlinepaymentbusiness.THETARM „ONLONCEPAYMENT“ v „Opatření“ Referstonon-FinancialInTitionsTHSTONPIVATENTORTORTOTRANSFERMENTONAYFUNDSBETSBETETNESKÁTORA, VKOUŠENÍ VYDĚLÁVÁNÍ, INTERCRENCENCE, INTERNETYPAYMANCE, MOBILEPHONEPayment.
(2) PredaidCardissuanceandacceptancebusiness.ThePrepaidCardsReferredTointhe „Opatření“ odkazují na praidValueofGoodSorserSusSurseDoutSideThesUinguingInstitutionToareIssuedForPit, včetně PrepaidCardsueduedInTheformOfcards, hesel atd. Atd. Atd. Atd.., použití technologissuchAgneticStripsandSandChips.
(3) Bankcardacquiringbusiness.TheBankCardacquiringReredTointheinthe „Opatření“ refrstotheactofCollectingMonetaryFundsforBankCardMardStantshrough-bod-sale (POS) terminály atd..
(4) Jiní PaymentSesesSeterMinedBethepeople'sBankofChinabasedEthedeventrendofthePaymentsServicemarketEthetEthetEt.
6.Otázka: WhyisaBusinessLicenseSystemImplementedforn-financialInstitutionPaymentsServices?
Odpověď: Podle AplTotHorkRequirementsFTheStateCoucincillon „založenímAnOpen, rovnající se astandardizedServiceInTryStyssSystemToenCouragetheentryofSocialCapital“, ThePeople'sBankofchinacomplieswiththe „Lid'sBankofchinaw“ atherlawsandlawsandregulace., IthasBeenRecognizedByThenationalAdministrativexaminationApprovaldaldepartmentToimplementaymentBusinessLicenSystemFornon-financialInstitutionPaymentsServices.Nefinanční ústavy, Whethestate-OpsidedorPrivateCapital, canobtainthe „platesBusinessLicense“ AslongastheymeetTequirequirequirements of „Opatření“.The"Measures"aimtoselectnon-financialinstitutionswithgoodcreditworthiness,strongprofitabilityandcertainprofessionalexperiencetoenterthepaymentservicemarketthroughstrictqualificationrequirements,andtoregulatethepaymentbusinessunderthesupervisionandmanagementofthePeople'sBankofChina,andeffectivelymaintainThelegitimaterightsandinterestsofthepublic.Bez toho, aby se poprolovatofthepeople'sBankofchina, non-financialInstituidIdvidualshallengageinPaymentBusinessorindisguisedform.
ThePeople'sBankofChinadoesnotimposequantitativerestrictionsonthe"PaymentBusinessLicense",encouragesallqualifiednon-financialinstitutionstocompeteonanequalfootinginthepaymentservicemarket,andpromotetheoptimalallocationofresourcesinthepaymentservicemarket.
7.Otázka: WharetheretheRequirementsfornnon-financialInstitutionStoProvidePaymentsServices?
Odpověď: „Opatření“ stipulaTetTon-financialInTitionsShowshavetheCoreRoredqualificationStoprovidePaymentServices, soastoestablishaunified andandardizedn-financialInstitutionServiceMarkeTaccessOrder anterngendennnon-financialinstitutions..Thisquirementsfornnon-financialInstitutionStoProvidePaymentServicesMainlyInclude:
(1) Komerční přítomnost.TheApplicantMustBealimitedLiabiliationCompanyoracompanylimitedBysHareSestabledInmyCountryCordingTolaw, and-financialInstitutionLegalperson.
(2) CAPITALSTRENGE.Applicantswhoapplytoengageinpaymentbusinessnationwidemusthavearegisteredcapitalofatleast100millionyuan;;;;thosewhoapplytoengageinpaymentbusinesswithinthesameprovince(autonomousregionormunicipalitydirectlyundertheCentralGovernment)musthavearegisteredcapitalofatleast30millionyuan,andbothMustbepaid-incurrencycapital.
(3) MainInvestor.TheApplicint'Smaininvestor (včetně investorwhohasactualcontrolrightsandmorethan10%oftheequity) of theApplicantsHouldMeetTequirementsOfThelegalperSonSonatureofTheCompany založené na založení, založené.
(4) Anti-MoneylaunderingMeasures.Uchazeči, kteří mají byvetheanti-MoneylaunderingMeassurestipulatedbythenationationanti-MoneylaunderingLawSandregulation, andsubmitcorRoredvingacceptanceMaterialswhenappinging.
(5).TheApplicantshallSubmitTheTechnicalSafetyInspectionalandCertificationCertificateofThenSadyPaymentBusinessFacinessAlThetimeoFapplication.
(6) Úvěrové požadavky.TheApplicant, jehoseniorManagementAndthemaininvestorsHousegOrgOodcreditSandProvidecorRoredNon-CriminalCertificationMaterials.
Vzhledem k tomu, že je s ohledem na provozsismus arequirementsFaymentsServices, theapplicantshaldalsomeetTequirequirequirementsFtheanization, InternalControlsystem, RiskControlMeasures, BusinessPremises atd..ThePeople'sBankofchinawillRefineThespecificRequirementsformaterialsForAcceptanceofanti-MoneylaunderingMeasures, technické afetyInspectionalCertificationandnnon-CriminalCertificationInTetailedRulesfortheimplementationOfThemeseasures.
8.Otázka: WharetherethepsinvolvedintheapprovalProcessof „PaymentBusinessLicense“?
Odpověď: Na základě „administrativelivelivenicensinglawofthepeople'srepublicChina“ anditImplementationMuresSandtheprovisions of „lid'sBankofchinaAdMinistrativeliveLintAptionMeasures“, „měří“ platební „platební“
(1) TheApplicantsbmitsApplicationMaterialStothelocalbranchofthepeales.Thebranchesofthepeople'sBankofChinareferredtoinTeinthe „Opatření“ včetně, včetně CityCentralbRancheSandSecTareCeCentralBralbranches..
(2) IFTHEAPLICACEMETSTequirements, TheBranchfthepeople'sBankofchinashalcceptItinacdancewiththelaw, asubmitThepreliminaryReviewOpiNapplicationApplicationSaterialstotheheadeheadOfficeofThePeople'SBankofCHinafCHinafCHinafCHinafCHinafCHinafCHinafCHinafCHINA.
(3) TheheadOfficeofThepeople'sBankofchinawillreviewTheapplicationMaterialsBaseToNeewiewiewiewiewoPiewosionSvariousbrancheSantSocialSupervisionFaedbackAckinformationformationformationformationformationformationformationformationonformation pokud pokud.IfProvedTobecomeapaymenmentInstitution, TheheadOfficeofThepeople'sBankofChinashallissuea "PaymentBusinessPermit" podle.
9.Otázka: CoMeasuresDoesthe „měří“ providetoprotectCustomerRerervefunds?
Odpověď: PlaysInTitutionsCanindenlyDentReterMintInMineThEtherthepaymentBusinessTheyareGeageDinacceptsCustomerRerervefunds.CustorerreservereferstothemoneTaryfundsthatcustomersvoluntryentrustPaymenTinstitutionStokeepandCanonlyBeusedtohandlepaymentsServiceSentrustedBycustomers.
„Opatření“ hasmadetheFollingProvisionsIntermsOfProtectionMeasuresForCustoMerreReserves:
(1) ClarifythenatureOfThereserves.TheCustomerServeFundacceptedBythePaymenmentInstitutionDoesNotbelongTothePaymenmentInstitution'SownProperty.ThePaymenmentInstitutionCanonlyTransferthereservefundaccordingTothePaymentinstructionItitedBetheCustomer.ITIsForbiddenForPaymenmentInstitutionStomisApPropriateCustomerServefundsinanyform.
(2) OMEZENÍM.Nejprve The PaymenmentInstitution MustchooseaCommercialBankastHedepositoryBankForthereservefund, aspecialAccountTostoreTheacceptedClientReservefundund.Zadruhé, platebInTitutionsCanonlyDepositCustomerServefundssinthesameCommercialBankacCount.Zatřetí, thebranchofaymenTinstitutionCannotopenaspecialDepositaccountforrervefundSfundsown.
(3) Důraz naopacifikátory..Asareservefunddepositorybank, acommercialbankshallsupervisetheuseofTheClient'SreserveFundDepositedInTinitsinstitution, andshallhavetherighttorejecttheapplicationorinstructionofthepaymentamentionTouSetHientEthountEtHlientEserveFundinviolationOlation.WherapaymenTinstitutionIntendStoadjustTHepositionSofDerEntsPecialDepositaccountsforrervefunds, itmustberevieweedbythelegalpersoninstitutionOfitsResefunddepositoryBank.
(4) Nejdůležitější hodnota.ThepaymentinstitutionandthereservedepositorybankshallrespectivelysubmittothePeople’sBankofChinathedepositoryagreementforreservefunds,thespecialdepositaccountforreservefunds,andthedepositoryoruseofthecustomerreservefundsandotherinformationandmaterialstothePeople’sBankofChina.ThePeople'sBankofchinawillconducton-siteInspectionsofThespecialDeposiTaccountsandRelatedAccountSofCustoMers'ReserveFundsOfPaymenTinTitutionSinacdancewiththelaw.
10.Otázka: HowtodealwithfalsApplications?
Odpověď: „Opatření“ zdůrazňující beapplicationbehaviormustbetraeandcredible.Diferenciační, když se vycpává.
(1)Iftheapplicantappliesforthe"PaymentBusinessPermit"byfraudorotherimpropermeansbutisnotapproved,theapplicantandtheinvestorholdingmorethan5%ofitsequityshallnotapplyagainorZúčastněte se applikace pro "PaysBusinessLicense".
(2)Thosewhoapplyforthe"PaymentBusinessPermit"byfraudorotherimpropermeansandhavebeenapproved,thePeople’sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusinessandcanceltheir"PaymentBusinessPermit"》;;;;Ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw;;;;applicantsandinvestorsholdingmorethan5%oftheirequityshallnotapplyfororparticipateintheapplicationforthePaymentBusinessPermit.
11.Otázka: WhatPALTIESSilosed forprovidingPaymentServices withuthauthorizace?
Answer:TheMeasuresstipulate:Anynon-financialinstitutionorindividualengagesinpaymentbusinesswithouttheapprovalofthePeople’sBankofChinaorengagesinpaymentbusinessindisguise,orthepaymentinstitutionexceedsthevalidityofthePaymentBusinessPermitThosewhocontinuetoengageinpaymentbusinesswithinthetimelimitshallbeorderedbythePeople’sBankofChinaanditsbranchestoterminatethepaymentbusiness;;;;ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;;;;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
12.OTÁZKA: WharethethetransitiolarRaRangements aSupportingMeasuresSAftertheimplementationofTheasures?
Answer:The"Measures"areequallyapplicabletonon-financialinstitutionsengagedinpaymentservicesinmycountry,includingnon-financialinstitutionsthathavebeenengagedinpaymentbusinesseswithoutapprovalbeforetheimplementationofthe"Measures",andNon-financialinstitutionsthatintendtoapplyforpaymentservicesaftertheimplementationoftheMeasures.TheformerCanindentlydecideTowithDrawFomThemarkeToBtainThe "PaymentBusinesspermit" IntoneyearAftertheimplementation of "opatření".Nefinanční představy o tom, že se mají ona.
The People'sBankofchinawillExpeditiousformuladulateDeleDailedRulesfortheimplementation of „Opatření“ AndrelatedBusinessMeasures.ImplimentationRulesMainlyelaborateanDexplaineTheProvisions of „Opatření“ týkající se nerovnoměrnosti, který je možné.Relevantní businessMureSainlySpecificMeasures (orguidelines) toguidePaymenTinstitutionStoreguladiousTypesofBusiness, zejména na businessMeasureltotheissuanceandacceptanceofPrepaidcard.The People'sBankofchinawilLalsoformlulaterelevantsUptortingMeasuresWithrelevantDepartmentssuchaspublicsEcurity, organiAnEandcarryoutrelevantSpecialinsPections, formajointforce, implementatefaktiveSupervisionOfPayEnServiceSofNonfinancialinstitution.