Julkaisu
OrderFthePeople'sbankofchina
〔2010〕No.2No.
"People'sbankofchinalAwofthepeople'sRepublicfchina"-ja muisti- ja säätelyt, Thepleople'sbankofchinaformuldThe "MeasuresFortheadMinistrationfaymentservicesFornon-financialIntititions".AdoptoiduTheOfficemeeTingOftheCheefexeceNe, ITisHeryByAnunceDandShallcomeToForceonseptember1,2010.
Presidentti: Zhouxiaochuan
Kesäkuu 14,2010
FullTextofthepolicy
Ei-finanssialadministrativeSuresforInSTacealmaymentservices
Luvutgeneralprovisions
Artikkeli 1OnistopromothehealthyDevelopmentOfthePaymentserviceMarkeTandregulatheTePaymentOfnon-financialInstitutionsServicebehaviors-, ennaltaehkäisy-.Thesemeasuresarformuloituna.
Artikkeli2Thetter ”Ei-rahoituksen alstilatilojenPaymentservices” ASTONTIONIONEDInTESEMEASESSMEANESTOTNONNON-FINANCIALINSTITUTSIONSACTASIINTIESIMESIAPORTIAPAYESIADAYPAYEESTOPROVIESOMEORALLOFTHEPORTOREMENETYADADTRANSFORSFERSSVIDESSORESORALLOFTHESTEPOLLOWONETYADESFUNDTRANSFERSFERSVIESSSVIRJOITUKSET:
(1) online -maksu;
(2) liikkeeseenlaskutPrepaidCards;
(3) BankCardreceipt;
(4) ChinaTherPaymentservicesDetermatedByThePeople'sbankofchina.
"OnlinePayment" asumionionionedInthesemeasuresReferstotheactTransferringmoneytaryfundsbetweenPayersandPayersBasedonPublicorprivatenetworks, mukaan lukien CurrencyExchange, Internet -maksaminen, MobilephonePayment, kiinteäpuhelintenPayment, DigitalTvPaymentC.
PrepaidCardentionedinthesemeasuresReferstoheprePrepaidValueOfGoodSorsorserspurchasteredoutSidetHeSionuuringInnstitutionProfit-valmistuskäytännöt, mukaan lukien.Apuheenpala.
ASENTORMESTEMESESESSESSEMERKIRUSTOESTIONESTILEEDINTHEESEMESURESESSESSIOTOTTOESTIESTIESTIESTIESTIESSEMAKSIKARDITESTIESSEMAKSIAPAIKKAJAKORJAUSKARDIEN.
Artikkeli 3Non-FinancialInstitutionsProvingPaymentServicessHallObtainthe "PayboringBusinessPermit" -vaikutusten kanssa.
MaksuIntiTuutionsAcceptTheSuperVisionandManagement Oftheple'sbankofchinainAcordancewithtHelaw.
IlmanThalproValfePeople'sbankofchina, ei-finanssialinstituutiooriadividualMayenGageInordisguisiongyEngageInPaymentbusiness.
Artikkeli 4TheTransferOfMoneytaryfundsbetwaymentInstitutionsShallBeHandLedByBankfinancialInstitutions.
MaksuIntiTiTionsShallNothLetheTransferofMoneytaryFundsbetbetbankfinancialInstitutions.
Artikkeli 5PaymentinstitutionsShallFollowThePRinciples -turvallisuus, tehokkuus, eheys ja faircompetition, andshallNotharmthenationalInterest, sosiaaliset publicintertantHelegitimaterightSandInterSSOfCustomers.
Artikkeli 6PaymentInstitutionsShallComplyWithRelasiantanti-MoneyLaunderingregulationsAnderformanti-MoneyLaunderingobligations.
Luvutwo "ApplicationDermit
Artikkeli7: ThePeople'sbankofchinisResponsibleForthIirsuanceandmangement "Payborbusinesslicense".Nuo.
Thebranchofthepeople'sbankofchinareferredtontEnthesemeasuresReferstohetebranchesfheople'sbankofchinaabovethesub-provincialcentralbranchofations.
Artikkeli 8ApplicantsForTePaymentBusinessPermitShallMeetTheFollowingConditions:
(1) ALIMITEDLIABLYCOMPANYORJINTSTOCKIMIDIDESCOMPANYLEGALLYSSEABLEDWITHINTHICTIRTORTORTEPHEPLEPLESSRepublicfchina, Anditanon-financialinstitutionLerson;
(2) haveaminimumamountFregisteredCapitalThatMeetsTeweasetes -vaatimukset;
(3) haveacontributothatMeetsTeTeSecesurewesefaceSecations -tiedostot;
(4) ThereEmorethan5SeniarManagerswhoarefamilnywithThePaymentbusiness;
(5) haveanti-rahamääräympäristötMeasuresthatmeeTThere-vaatimukset;
(6) havetherequiritionsPaymentBusinessFaciatity;
(7) HavoSoundOrgationalstructure, InternalControlystemandRiskManagementMeasures;
(8) haveabusinessplaceandsecurityMeasuresthatmeeTThere -vaatimukset;
(9) theapplicandenditssSeniarmaningPersonnelHavenotbeenpunatedForuingPaymentservicestoCarryoutIllegalorcriminalActivitiesortHandlePaymentservicesForllegalandCriminalActivitiesInthePast3vuotiot3 vuotta.
Artikkeli 9IfanapplicantIntendStoEnGageInPaymentBusinessNationWide, TheminimumingisteredCapitalShallbe100Millionyuan; ifanapplicantIntendStoEnGageInPaymentbusinesswithinaprovince (Autonomousegionormunnicalityuan), sen registrationTheminiminimcapiTILIMIESIENIMILIONUAN.TEMIINIMAMONONTOFREGISTEREDCAPIALICACTUSTAPATTU-INFURNECTIONCAPITAL.
ASTENTIONIONEDInTESEMEASTION, TAPAHTUMINEN.
ThePeople'sbankofchinaAdjuststheminimumamountFREGisteredCapitalForApplicantsInAcCordanceWithrelastNationAlaws, Asetukset jaPolicies.
The BusinessScopeOfforign-investoidutPaymentInstitutions,., ShallSeParalyStiplatedByThePeople'sbankofchina jaSubMedTotTheStaTeCouncomProvalproval -sovellus.
Artikkeli 10ThemainInvestoROFTHEAPPlicantShallMeetTheFollowingConditions:
(1) ITISALEGALLYSTEKSETTYMISETTUMATIONSIONSIONSORJONTOCTOCKIMIDIDEDCOMPANY;
(2) ASOFTHEAPPLICATIONDATE, jatkuvasti provideInformationProcessingSupportServicesFinancialInstitutionsformorethan2years, OrprovIncontIntyInformationProcessingSupportServicesformat-CommerceactivitymorreThan2Years;
(3) ASOFTHEAPPLICATIONDATE, CONDUONSEARNINGSFORMORETHAN2Years;
(4) IntHelast3Years, NopunishinHasBeenimPotedForUningPaymentservicestoCarryoutIllegalorcriminalActivitiesortHandlePaymentservicesForllegalorCriminactivities.
Thraininvestorasmentionedinthesemeasures ItsestheinvestorwhohasactualControlOftHTHEAPPLICANTANDTEInvestorwHoldsmorethan10%ofTheequityOftHandplicant.
Artikkeli11ThaplicantShallSubMithefollowingDocumentsAdMaterialstothelocalBranchOfThePeople'sBankofchina:
(1) Kaappaus, ilmoittaminen,.;
(2) copyOfCompanyBusinessLicense (kaksoiskappale);
(3) artikkelitfasaatio;
(4) CapitalverificationCertificate; (5) FinancialAccountingReporaudivedByanaCCountingFirm;
(6) PayborbusinessFeaErabilityStudyReport;
(7) rahanvastaiset mittaustehtävät;
(8) TekninenAsfetyTestingCertification;
(9) ResumematerialsofseniarManagementPersonnel;
(10) hakijat ja sircertificateofnon-criminalRecordofseniorManagementPersonnel;
(11) asiaankuuluvat laitteet;
(12) lausuntolauseke.
Artikkeli12ThanncantShallannounCethefollowingMattersasRequiredAfterReceivingTheAcceptancenotice:
(1) theApplicant's RekregisteredCapitalanDequity -rakenne;
(2) Listafmajorinvestors, sharomewhingRatiodfinancialStatus;
(3) thePaymentBusinessTobAPliedFor;
(4) theapplicant'sbusinessplace;
(5) TekninenAfetyInsPectionAdCertificationCertificateOfPaymentBusinessFacetity.
Artikkeli 13ThePeople'sbankofchinashallaAcceptAllaplicationsThatMeetThePreliminaryReviewopinionsAndApplicationMaterialStepeple'sbankofchina.OnReviewandApProvalbyThePeople'sbankofchina, "maksuvälineenkäyttäjä" StandBeissueNaccordanceWithTheLawandanAnNouncementShallBemade.
"Payborbusinesslicense" isvalidfor5yearsfromthedateofissuance.IfaPaymentInnTinendStoContinueToEnGageInPaymentBusinessAftertheexpirationfhePaymentBusinessPermit, ItsHallSubMitanapplicationForrenewalTothelocalBranchOfThePeople'sbankofchinawithin6MonthsbeforethexpirationOftHetTherm.Ifthepeople'sbankofchinaApProvestherenewal, TheValidityPerioDOfeachrenewalis5years.
Artikkeli14FaPaymentInnstitutionChangeSanyOfThefollowingItems, ItHallReportotepePeople'sbankofchinaforapProvalBeForEapplyingToTheCompany RegistrationAuthorityforChangeRegistration:
(1) CommPanyname, rekisteröidytCapitalorOrganizationalForm;
(2) ChangeThemaininvestor;
(3) sulautumisohjelma;
(4) säätöbusinesstypeorchangebusinessCoverage.
Artikkeli 15Menkysäytetyöntekijöiden toiminnan mukaan
(1) WrtensenSIGNEDBYTHELEGALREPRESentativefyplications, toteaa, että.;
(2) AcopyOfTheCompany'sbusinessLicense (kaksoiskappale);
(3) "maksubusinesslicense";
(4) asiakasohjelmanhalvausplan;
(5) PayborbusinessInformationProcessingPlan.
IFTHETMINATIONIONTONTI,.
Artikkeli16FortersNotStipuloidunthelicensingProcEduresInThisChapter, "People'sbankofchinaAdministriveLicenSingimplementationMetsures" (People'sbankofchinorder [2004] ei.3) Shalling.
Luvut
Artikkeli17PaymentInstitutionsSHallenGageInBusinessActivitiesInAcCordance -yrityksen kanssa.Ne eivät.
MaksuIntitussarenoTallowedToTransfer, vuokrasopimus, OrlendThe "Paycombusinesslicense".
Artikkeli 18: PayInSTITUTSSHALL, epätarkka.
Artikkeli19PaymentInstitutionsShallDetterMinetHeChargingItems jaChargingStandardsformaymentservices, AndreportothelocalBranchOfThePeople'sbankofchinafortherecord.
MaksuIntiTiTionsSShallPubliclyDisClosethEChargingItems jaCring Standards of heidän.
Artikkeli20: MaksuInstitutionsShallSubMitPaymentBusinessStaticalReportsandfinancialAccountingReportstothelocalBranchOftHeople'sbankofchinainAccordance.
Artikkeli21: PaytainInstitutionsShallformatePaymentserviceagreemtsTSToclarifyHirrightSandobligationsWithCustomers, PrinciplesForHandlingDisputes ja DILIABIONSFORBREACHOFCONT.
MaksuIntiTiTionsSShallPubliclyDisClosetHeformTelClauses ofThePaymentserviceagreementAndReportothelocalBranchOfThePeople'sbankofchinaFortherecord.
Artikkeli 22WHerEABranchofAymentInstitutionInSigefateInPaymentBusiness, ThePaymentInstitutionAnditsBranchshallGoToTheLocalBranchOfThePeople'sbankofchinaForthERECORD.
IftheBranchOfThePayinstionTerminatestHePaymentBusiness, ITSHallBeHandLedinacordance.
Artikkeli 23MenkaymentinstituutioidencceptsAcustomer'sreserve, itCanonlySuEaninvooceToTheCustoMerBasedonThePaymentServicEfeECHared, andcannotissuEaninVoiceBedontheacceptedamountfthecustomer'sreserve.
Artikkeli24ThestomerReservefundacceptedbyThePayinstionDoesnotBelongTothePayIntInnstitution’sOwnProperty.
MaksuIntiTiTionscanonlyTransferreserveFundSbasedonPaymentInstructionsinitionybycustomers.ITISForbiddenformaymentItionStoMisoppropreTecustoMerReserveFundSinanyForm.
Artikkeli25, ThePayInTiTuctionsHallRecordTheFowingItemsInThePaymentInstructionIntedbyTheCustomer:
(1) THENSEMOFTHEPAYER;
(2) theEneterminedamount;
(3) THENSEMOOFTHEPAYEE;
(4) THENNAMEOFTHEPAYER'SBANKORPAYMENTILATION;
(5) silloista beneficiaary'sBanKorpaymentInstitution;
(6) THEEPAYmentInSTRUPINTI.
IfacustoMerPaysThroughABanKSettLaittaus, ThePayInTiTionsionsHouldalsorecordTheCorrespestBanKSettlementAcCountNumber.IfacustoMerPaysThrughanon-BanksettLaittaus,.
Artikkeli 26MenkysoidunsulaatiotAcceptsAclient'sreserveFund, senhallopenpecialDepositocCountForthereserveFundinacommercialBankTodepositeThereServeFund.ElleiOtherwisSpesifiedbyHePeople'sbankofchina.
MaksuIntiTiTionsCanonlyChooseONCommercialBanKasthereserveFundDePositoryBank, AndonlyonesPecialResAdeDePosiTacCountCanbeOpenEninabranchOfTheCommercialBank.
ThePaymentInstitutionsHallSignareserveFundDePositoryAGREETWITHTHEELEGALENTITEORAUTHOREDBRANCHOFTHECOMERCIALBANKTOCLARIFYTherights, velvoitteet ja-.
MaksuIntiTiTionsSShallSubMitInformationOnTheDePositoryAGREMENTADSPECIALDEPOSITEACCOUNTFORRESEVERFUNDSTOTHELOCALBRANCHOFTHEPESPIES.
Artikkeli 27TheBranchofAmaymentInstitutionsHallNoTopenSpecialResAdeDePosiTacCountInSOWNName, jaCanonlyDepitTheAcceptedReserveInthSePeSeServeOpenedByThePaymentInnstitutionDeposiTocCount.
Artikkeli 28Menkysäyte,.
ThepaymentItiTuutionshall, witthereviewOPinionsississewbyTheLegalpersonInstitutionoftherSArdePositoryBank, HandLeTePositionAcpacationsPespEcialDepositoCCountForThereserveFund.
Artikkeli 29TheReDernePositoryBankShallSuperveeTheuseOfCustomerReserveFundsDePositedInTinstinstlace- ja ProvideTebranchOfThePeople'sbankofchinawHerheetReDernePositoryBankislocted.Instituutiot jaTheSelegalpersonInstitutionsOftherServeFundDePositoryBankShallSubMitInformationAdMaterialSSuChasTheDePositoryORUSAGESTOTOFTECLIENT '.
Forthepaymentinstitution’sapplicationorinstructiontousetheclient’sreservefundinviolationoftherelevantprovisionsofArticles25to28,thereservedepositorybankshallrejectit;itisfoundthattheclient’sreservefundhasbeenIncaseofillegaluseorotherabnormalcircumstances,itshallimmediatelyreporttothebranchofthePeople'sBankofChinawherethereservedepositorybankislocatedandthelegalpersoninstitutionofthereservedepositorybank.
Artikkeli30: TheratioFThePaid-inmoneytarycapitalOftHePayinstitutionToTheaverAgeDailyBallAnce OFTHECUSTOMER'SSRESESSHALLNOTBESTHAN10%.
"Keskimääräinen aailyBolance OfCustomerreserves", joka mainittiin.
Artikkeli 31THEPAYMINTITUTSIONSHALLCHECKTHECUSTOMER'SVALIDOROTERVALIDENTIIMINGEDOCUMENTSESRESRESREDRED JA REGISTERTEBASICINCORMATIONTOMAISESTIONSIIDENTION.
ApaymentInnstitutionThatKnowsorshouldkHataCustaMerUSSItsPaymentBusinessTocarryoutILLandCriminalActiViTiTessHouldStopprocessingPaymentservicesForit.
Artikkeli 32PaymentInstitutionsShallhavethethetyYYTECHNICALMEANSTOENSURETHECHEPLETEENT, johdonmukaisuus ja -julkaisujen ohjeet, theTimelianess, tarkkuus ja tietoturva.
Artikkeli33PaymentInstitutionsShallProtectCustomers’CommercialSecretsinacCordanceWithTheLawandShallNotDisClosethemtoutideSideworld.Paitsi.
Artikkeli 34PaysiTiTitionsSShallProperlyPeeptheBasicCustomerIntentity -tieto-, maksuvälintöjenformaatio, kirjanpitoFilesandotermateriaalit.
Artikkeli35PaymentInstitutionsShallaccePtregularorirregularon-siteinsPectionsandOff-sitesPectionsbyThepeople'sbankofchinanditsBranches, palveluntarjoajankohdatinformaatiot., KelcealandDestReLecpectEvidenceMaterials.
Artikkeli36ThePeople'sBankofChinananditsBranchessHallConductCorporategOverNance, BusinessActivities, InternalControl, RiskStatus, Andanti-MoneyLaunderingOfPaymentItiTuutionsInAcCordanceWithLaws, AdministrativeRegulations, AndrelastPortProvisionsofthePeople'sbankofchin.WaitFeRegularorirRegularon-SiteinsPectionsandOff-site -SPections.
ThePeople'sbankofchinaanditsBranchesConducton-site PanectionsOfymentInTiTionionsInAcCordance WorkwithTheLaw, "ihmisten puolustajafchinalAwenForcementInsPectionProcedureregulations" (People'sbankofchinaorder [2010] Ei.1promulgoitu).
Artikkeli37ThePeople'sBankofchinaanditsBranchesMayTakeTefowingMeasurestoconducton-site-sivustot
(1) AskThestAffofPaymentInStiTuutionsandaskThemToExplainandExplainTheIntEripTiems;
(2) ViewandCopyTheDocumentsI jaMaterialsRelatedToTheinspeceTIMSTS, andsealthEDocuments andMaterialSThatMayBetransferred, PicealedOdMated;
(3) tarkista,
(4) Tarkista.
Artikkeli 38FapaymentInnstitutionHasOneOfThefollowingCircumSences, ThePeople'sbankofchinaanditsBranchesHaveTherightToorderToStoSomeorAllOfThePaymentBusiness:
(1) theaccumulullossexceed50%theactualpaid-rangaistuskappale;
(2) Sielläisamajorbusinessrisk;
(3) siellä.
Artikkeli39ICAYmentInstitueTherMinedDueToDissolution, peruutuksenkorjaus.
ChapterIVPenaltyProvisions
Artikkeli 40THESTAFOFOFOPEPLES'SBANKOFCHINAANDITSBRANCHESSHALLBESUBjecTONTIMINISTRIAVISUUS
(1) rikkoutuminenTäätöStoreViewandApProVethethEplication, modifikaatio, päättyminen ja "maksujenbusinesslicense";
(2)) tarkistusPaymentInstitutionsInviolationFersulations;
(3) LeakingchandstsescretsorTradescrets;
(4) muuallakäyjä.
Artikkeli 41ifacommercialBankHasanyOfThefollowingCircumSences, ThePeople'sbankofchinaanditsBranchessHallorderTotoMakeCorectionswithinatimelimit, jaGiveaWarningorimposeAfineOf10 000–30 000;
(1) FailingToReportTheDePositoRyOrSageInformations of theClient'sReserveFundSasRequired;
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(2) FailingToreviewThePaymentIcation'sSadJustmentOfthePositionsPecialDepositeAcCountForreserveFundSaccordingToregulations;
".
Artikkeli 42FapaymentInnstitutionHasanyOfThefollowingCircumSences, The Branchofthepeople'sbankofchinashallorderTotoMakecorctionswithinatimelimit jagiveawarningorimposefine10 000yuanupto30 000yuan:
(1) FailureTeEtablishrelevantsystemsdmeasuresorriskManagementMeasuresAsReReDired;
(2) faburetogothRoughRelancefatefilingProcEdureSasReReReDired;
(3) fabureTOFoLowulationsFublicdiscelurefurelatedMatters;
(4) faburetosubMitorKeePrelitEnMaterialSinacCordance -sovellusten kanssa;
(5) FailureToHandlerelatedChangesinacCordance -sovellukset;
>(6) fabureToissueInvoicestocustomersAccordingToregulations;
(7) FailureTokeEpcustomers'BusinessSecretsACCordingTorationgulations.
Article43Ifapaymentinstitutionhasoneofthefollowingcircumstances,thebranchofthePeople’sBankofChinashallorderittomakecorrectionswithinatimelimitandimposeafineof30,000yuan;ifthecircumstancesareserious,thePeople’sBankofChinashallcancelitspaymentbusinessLicense”;ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw:(1)Transfer,lease,orlendthe“PaymentBusinessLicense”;
(2) ylittämisenhoitoyritys;
(3) epäonnistuminentoreorusethecustomer'sreservefundasRequired;
(4) notcomplyTeguleurulationSontheratioFpaid-inmonetarycapitalTotEclient'sreserveFund;
(5) keskeyttäjätermeTheThePatementbusinessWithoutjustifiablerseason;
(6) rejektoRhinderrelatedInsPectionssuperVerved;
(7) Muut viloonat ja säätyvät.
Artikkeli 44FapaymentInstitutionFailstoPerformSanti-MoneyLaunderingobligationsIncordance -sovellusten, ThePeople'sbankofchinanditsBranchessHallImposepenaltiesinacordancewithrelianSnacionyAnti-MoneyLawandLawSandregulations;.
Article45IfapaymentinstitutioncontinuestoengageinpaymentbusinessbeyondthevalidityperiodofthePaymentBusinessPermit,thePeople’sBankofChinaanditsbranchesshallorderittoterminatethepaymentbusiness;ifacrimeissuspected,itshallbetransferredtothepublicsecurityagencyaccordingtolawFileacaseforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
Artikkeli 46FThe "PaymentBusinessPermit" isAppliedforbyfraudorotherimproperneansbutisnotApproved, theApplicantTheInvestorholdingmorethan5%ofTityShallNotapplyorreapplyWithin3Years.Osallistu.
Forthosewhoapplyforthe"PaymentBusinessLicense"byfraudorotherimpropermeansandhavebeenapproved,thePeople'sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusinessandcanceltheir"PaymentBusinessLicense";suspectedIfacrimeiscommitted,thecaseshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw;applicantsandinvestorsholdingmorethan5%oftheirequityshallnotreapplyorparticipateintheapplicationforthePaymentBusinessPermit.
Artikkeli 47ifanynon-financialInstitutionorIndInualEnGagesInPaymentbusinessWithThathprovalOfthepeople'sbankofchinorindisgutedForm, ThePeople'sbankofchinananditsBranchessHallortHemToterminateThePaymentbusiness;.
Luku 5SupplementYChisions
Artikkeli 48Non-FinancialInstitutionsThaTaveEnGagedInPaymentBusinessBeforetheMplementheseMeaSuressHallbeimpmentEdOntheDateSflications ofHesemeasuresApplyForthe "PayborinessPermit" sisällä ".Nuo.
Artikkeli 49: ThePeople'sBankofchinisResponsibleForthEnter -tulkinnat.
Artikkeli50TheMeasuressHallcomeToForceonsEpt1,2010.
Tulkinta
ThePersonInwarkOftherefandDeplefthePeople'sbankofchinaanswersreporters’quesionsontHonthe "MeasuresForthArtMinistrationfaymentServicesFornon-FinancialInstitutions"
1.KYSYMYS: Mitä "toimenpiteiden" jakautumisen jakamista koskevat merkitykset?
Vastaus: WiththerApidDevelopmentOfNetworkinformationAndCommunicationTechnologyandHecontIntydivisionOfLaborandRefinementOfymentervices, moreandmorenon-financialInstitutions.Ei-finanssialistitUsionsprovingingPaymentservicesandCooperation andcompeting kanssa.PerinteinenPaymentservicesareGeneralyNUrdakenbyTheBankingstor, SuSCashServices, BillExChangeServices, DirectTransFerservices jne.., kun taas."Käytännössä.Sosiaaliset tulosryhmät.ThediversifiedandPersonalisedPaymentservicesOfnon-FinancialInstitutionsHaveBettermetThePaymentNeedSofe-CommercEcompaniesAndIndInals, edistykselliset kehityskysymykset ja playedaroleinsupportingmacroekonomicpoliciessuchas "StimulationconsandandExPandingDacidemand".positiiviset vaikutukset.Vaikka financialInstitutionsaremainyConcentricatedThereAnPaymentfield, ja heidän ja heirbusinessVolumeissMallCharadWithThePaymentservicesProvidedByBankingFinancialNstitutions, heidän heidän heidän.Ja prepaidCartholders jne.., sen fluenceisveryvert.ASOFTHEENDOFTHEFIRSTQUARTEROF2010, ATOTALOF260NON-FINANCIALINSTIONLEGALPERSSHAVESUBMITEDPAYMENTBUSINESS-REGISTRATIONEMATERIALSTOTHEPEPLES -PYÖRÄT.
WitthecontinuusexpansionofthebusinessScopeandsCaleOfPaymentservicesOfnon-FinancialInstitutionsandThePromotionOfNewPaymentTools.tuottaa.SuuriTheProtectionOftherIghtSandInterSSOftheCustomer'sreservefunds, TheSueOfViolationsInTheSuceanDacceptanceOfCerpaidCards -korttien mukainen,..TheeseproblemsaredifficultoSolveonlybylYingonMarketforces, andmustBePreventeDandCorctedInatInyMannerThrughNeryLawSand- ja säädöt ja-.
THEELADINGCOMRADES OFTHEPARTYCENTRALCOMMITTEEANESTESTESTECOUNCALTACHGREATIMPORTANTOTHESUPERVISIONOFNON-FINANCIALINSTITUTIONS '.AsthestatutorySuperVeryAdministRatorofchinansPaymentsystem, ThePeople'sbankofMyCountryconsconscientiesTImplements -laitteet, joita tarvitaan ajankohtaisesti.Väliaikaisten yritystenhoito, PaymentserviceEntiescontinueToenrichPaymentMethods, parannusPaymentserviceEfficiacency ja ComplywithThever-kehitysmaksut.ATTHESAMETIME, VALMISTUSTUSTELUTUKSETTELUT.OnPebasisoforganizationdCarryingTheRegistrationsOfServicesOfnon-FinancialInstitutions, soittaminen,.
"Toimitusten" formulationd -OFPLEMPLEMENTTION ISANIPORANTPRACTICEGUIDETHEPESS'SBANKOFCHINA'SUPERVISIONADIMANAGEFTHEPHESTSYSTEMBASTIONTONTHESCIANTIFIFIFIFICOUTONTONDEVELPOUNTOMING.Tärkeätä."Toimenpiteet" -tapahtumat MeettsHeneedsofnon-FinancialInstitutionsForStandAndAndOrdSevelopmentBasedonTherulesofEqual -toimisto, tapaaminen.SeededForstabilityAndSocialStabilityWillDefIndAftApositiveAnDImpOnTImpAcTonTheHealthyDevelopmentOfMyCountry'sfinancialSystem.
2.K: Mitä "menetelmät" ovat "mitä"?
Vastaus: ThePeople'sbankofchinaAdherestotheguidanceftHescientificDevelopmentConcept, StrentrdensTheSuperVisionandManagement OfPaymentservicesFornon-FinancialInstitutions, and ClarifestHeworkThinkingOftheinvative, Market-Ledyalyology-mittaus ", ja standromationdrynandamindryndrynandamindrynandryndrynandmentHindrynandrynandingnfryndryndryndryndryndryndryndryndhedthedHish.."
"Säännelty kehitys" pääasiassa.TARKISTETTUJÄRJESTELMÄT.
"ProdingInOvation" "pääasiallinen kehityskäyttöön tarkoitetutTemarket-suuntautuneiden kehitys-.
3.KYSYMYS: HoweRePaymentservicesOfnon-FinancialInstitutions-säädettynä?
Vastaus: Kansainvälisesti, unettomuudet, mistä financialinstitutionPaymentserviceMarkethasdevelopedearLierandfaster, The Covernment'superVisionOfsuchmarketshasgradstledfrombeingbialedtowards "itsenäinen."Pakollinen.From theoperspekticyftingThelegitimeTIlowSandInterSSfersomers, MosteconomiessuchastheUnitedstatSandTheeuropeanionRequirequalifiedInnstitutionSToctPaymentservicesInOnderyAndArtManner.Spesifiset mittaukset sisältävät yksinkertaistaminen.
TheunitedStatesDefinessimilarInstitutions (mukaan lukien ei-financialInstitutionsandnon-BankfinancialInstitutions) asmoneyServiceInstitutions.Morethan40StateSinTheUnitedStatSreferThete "UniformcurrencynceServiceact" ToformulaTelawstoSuperVeEcurrenCysyservices.TheselawsgeneralyfaSizethMagement ja säätely.InstituutiotNegledIncurrenCyservicesMustObTainaspecialBusinesslicenseandMeettherelastNectQualificationRequirmentsForinvesmentEntiteetti, liikemiehet, FinancialStrught, FinancialStatus ja BusinessExperience.CurrencyserviceInstitutionsShallMainainahighDegreeofliquidiidiDandSecurityfTransactionFunds, andshallNotEngageinBank-LikeDePositedloanbusiness, jaShallNotReReAnorusecustomertransactionFundSwithorisaatio.SuunnittelutShouldalsocomplywithRelasiantanti-MoneyLaunderingregulatoryRefirementSToSuredAnAndInformationsEcurity.
TheeuropeanunionHassuccessensformay formulding "elektroniikkavaluutandirektiiviset" ja "sisäiset markkinatPaymentservicedirektiiviset" for institutionsengragedInelektroniikkavirheidenvalutsujen jakautumisen andrevatedthe "elektroniikkavirheidendirektiiviset".TheselawsemphasizethateumemberstatesshaltimplementBusinesslicensysTemforecontMoneyInstitutions andPaymentInnstitutionsurethationlyInstitutions.MaksuIntiTuutionsShultStrictLydistishishbetwevenheirownfundsandcustomerfunds- ja provideInsuranceorsIsimarguaranteesforcustoMerfunds; milloinLectronicMoneyInstitutionsProvidePostservices-.Samoin.
Southkorea, Malesia, Indonesia, Singapore, Thaimaanandotherasianekonomiat.
MyCountry'snon-financialInsticationPaymentservicessTartedLateButDevelopedRapidy, andRelatedProblemsgradalemerged withhthecontuleDevelopmentOfBusiness.BastonacompRehensiveanDobjecteanalysisOftheDevelpmentTrendofnon-FinancialInStiTuution'Paymentservicesanddrawingoninternationalexperience.
4.Kysymys: Pyydä "toimenpiteitä".
Vastaus: "Toimenpiteet" HasfiveChaptersand50Artikles jaTheMainContentsare:
Luvutgeneralprovisions,whichmainlystipulatethelegislativebasisandpurposeofthe"Measures",Legislativeadjustmentobjects,paymentbusinessapplicationsandpermits,thesupervisoryresponsibilitiesofthePeople’sBankofChina,andtheoveralloperatingprinciplesofpaymentinstitutions’paymentbusinesses.
Chaptertwo, ApplicationAndpermit, pääministerin mukaan.Themarketaccessconditionsmainlyemphasizetheapplicant'sinstituatalNature, rekisteröidyt kandidaatin, rahanvastaiset toimenpiteet, maksuvälitystoimenpiteet, luottotaso ja tämä.Adddition,.
Luvutmainlystipulatestheresponsibilitiesandobligationsofpaymentinstitutionsinregulatingoperations,fundsecurity,andsystemoperation.Standardisoidut operatiiviset muodot..FundSecurityMainyEmphasizesthatPaymentInstitutionsShouldDepositocceptedCusTomerReserveFundSinthesamecommercialBanKcount.OptiosysteemmainyemphasizesthatthePaymentInstitutionsHouldHavethEnetYyTechnicalmeans, katastrofejäympäristöt.Adddition, PayInSTiTuctionSalsOneEdToCooperAnerewithhepeople'sbankofchinaforsuperVisionandInsPectionAccordingTolaw.
Luku 4PenaltyProvisionsMainlyClarifyTheLegalResponsibilitys ofThePeople'sBankStaff, CommercialBanks, PaymentInstitutions andotherResponsityeshities.
Luku 5SupplementYChisionsmainlyclarifythetransitionperiodrequirementsandimplementationdateofthe"Measures".
5.K: WhatsAymentservicesCannon-FinancialInstitutionsProvide?
Vastaus: ”Toimenpiteet” selventää,.
(1) OnLinePaymentbusiness."OnlinePayment" "mittaa" Referstonon-FinancialInstitutionsThatrelyonPublicorprivatenetworkStotransfermonettaryFundsbetBetSayersandPayers, mukaan lukien CurrencyExchange, Internet-maksut, MobilephonePayments, kiinteät puhelinten sivut, digitaalisetTVpaymentit, jne..
(2) ennakkomaksuja.PrepaidCardsReferredToinThe "mitat" refertheprepaidValueOfGoodSorsServicespurchasedoutSidetheSionuurinnstituationHaTeReTiEdforprofit.:.
(3) BankCardAcquiringBusiness.TheBankCardAcquiringReferredToinThe "mitat" referstotheactofCollectingMoneyfundsforbankCardMerChantsHtRoughpoint-of-myynnin (POS) terminaalit jne..
(4) muut.
6.K: WYISABUSSINESSLICENSSYSTEMIMPLEMESTEDFORNON-FinancialInsticationPaymentservices?
VASTAUS: MYÖNTÄVÄTTEKSETTELYT, JOTKA OFTHESTATECOUNCILONIN ”YHTEISÖN Standardisoituneiden palveluiden mukaan...Ei-finanssialistat, WhetherState-OwedorPrivaTecapital, Canobtainthe "Payborbusinesslicense" aslongastheymeetTeleTewomence of the "toimenpiteet".."Mitat" aimtoSelectnon-financialInstitutionsion kanssa.IlmanThalproValfePeople'sbankofchina, ei-finanssialinstituutiooriadividualShallEnGageInPaymentBusinessorindisguisedForm.
ThePeople'sbankofchinaDoesNotImposequantiTiverESTrictionSonThe "maksabusinesslicense", rohkaisee nostamis-.
7.K: MITENJÄRJESTELMÄT Fornon-FinancialInstitutionStoprovidePaymentservices?
Vastaus: ”Mittaukset” StipulaTetHatnon-FinancialInstitutionsshulthavetheCorresproveQualificationStoProvidePaymentservices.Siellä tehtävätFornon-financialInsticationStoprovidePaymentservicesMainlyindlude:
(1) CommercialPresence.THEAPPLICANTMUSTBEALIDLIALIBYCONCONPANYORACOMPANYLIMITEDBYSHARESESTABLEDIDINMYCOUNTRONACCORDINGTOLAW- jaBEANON-FINANCIALIINTIONTIONLEGALPERSON.
(2) Capitalstrength.Hakija,.
(3) MainInvestor.TheApplicant'smainInvestor (mukaan lukien.
(4) rahanvastaiset mittaukset.Hakijat, jotka eivät ole haittoja-rahamääräisiä.
(5) Maksusopimukset.THEAPPLICANTSHALSUBMITTHETECHNICALSAFEESIINSPECECTICTICTIONCERTIFICATEFENTEYYYYMAYMENTBUSINIONFACIATIIVE.
(6) Luottovaatimukset.Theappiliscant, seSeniarManagement jaTheMaininvestorsHouldhaveGoodcreditStatusandProvideCorrespondingNon-KriminalCertificationMaterials.
Ottaen huomioon Ammattienhalvaukset.ThePeople'sbankofchinawillRefinethSpesificRectionsformerialSforcceptanceOfanti-MoneyLaunderingmeasures, tekninen fafeinsPectionCertificationAndnon-crimincertificationInTheDeDAledrulesFortheMpplementlationOfthemeasures.
8.K: Mitä "maksubusinesslicense"?
VASTAUS: "Hallinnollistavanotoksen mukauttaminen ja" ihmisten hallintoviranomaiset "," ihmisille tarkoitetut mittaukset "," toimenpiteet ", jotka" toimenpiteet "-muotoilprofrocesseSheLyLyinancleses
(1) THEAPPLICANCANSUBMITSAPPlicationMaterialstothelocalBranchofThePeople'sbankofchina.THEPEPEPLE'SBANKOFCHINAREFERSEREDTONTIONTION "Toimitukset" mukaan lukien thepeople'sbankofchina, sivukonttorit, liikemiehet.
(2) iftHtHeApplicationMeetsThere -vaatimukset, thebranchofthepeople'sbankofchinashallacceptiTinAcCordancewithtHelaw, andsubmitThePreliminaryReviewOPinionsAnApplicationMaterialStothoTheOfficeofthepEople'sbankofchina.
(3) HeadhepEple'sbankofchinawillReviewthApplicationMaterialSBasedonTheViewOPinionsOfVariousBranchesandSocialSuperVisionFeedBackInformations.IFAPPOREDTOBECOMAPAYMINTIONTIONTI, JOHDOTUSTHEPEPLES'SBANKOFCHINASHALLISSUEA "MaksutybusinessPermit".
9.Kysymys: Mitä merkitsee "mittaa" ProvideTOPROTECTCUSTOMERREServeFunds?
Vastaus: PayeNSTITUTSIONSSCANINDEPENESTESTIMETTIMETTIMETTÄMINEN.CustomErServereferstoThemonettaryfundsThatCustomersVoluntlyEntrustPaymentInnstitueTokePandCanonlyBeUnedToHandLePaymentServicestrustedBycustomers.
"Toimenpiteet" HasmadeTefowingProvisionsIntermsOftRectionMeasuresForcustomErtes -palvelut:
(1) selventävät ajanselviä.ThecustomerreservefundacceptedbyThePayinstitutiondDoesnotbelongtothePaymentInnstitution '.ThepaymentIationCanonlyTransferthereserveFundaccordingTotePaymentInstructionInitybyThecustomer.ITISForbiddenformaymentItionStoMisoppropreTecustoMerReserveFundSinanyForm.
(2) LimitholdingForftherServeFund.Ensinnäkin ThePaymentInTaceMustchooseacommercialBankaSTheDePositoryBankForthereserveFund, AndaspecialAcCountTotoretheacceptedClientReserveFund.Toiseksi, PayeInstitutionsCanonlyDeposicusTomerReserveFundSinthesamecomercialBankaccount.Kolmanneksi, theBranchofaymentInstitutionCannoTopenSpecialDepositocCountForreserveFundsonitsown.
(3) korostavat kaupallisten alueiden keskuksen vastavuoroisuuteen.AsareservefundDepositorybank, acommercialbankshallsuperveeteheuseOftEclient'sreservefundDePositedInitionitionditiond andshallhaveTherightTorejectThePlicationSorinstructionfaymentIntTouseTheclient'sreservefundinviolationfregulations.WINAPAYMENTIONTIINDENDSTOADJUSTTHEPOSITESSOFDIFRERENTSPECIALDEPOSITECCOUNTSFORRESEVERFUNDS.
(4) KohokohdatHESTOTUTORYSUPERVISORYSPONSIBILITIBIESSFESPIES'SBANKOFCHINA.ThepaymentInnstitued andtheresAdetePositoryBankShallrespectiveySubMitThepePeople'sbankofChinathedepositeyAGREESTOREServeFunds, ThespecialDepositeCCountForreserveFunds and theDeDePositeoruseOfTheCustomerreserveFundSandotherindmoration jaMaterialStepEople'sbanKeServeFcha.ThePeople'sbankofchinawillconducton-site-spectionsOftSpecialDepositocCountSandRelateAcCountSOfCustomers '.
10.K: HowtoDealWithfalsAplications?
Vastaus: ”Toimenpiteet” korostavat.ErottamallaKumpia.
(1)Iftheapplicantappliesforthe"PaymentBusinessPermit"byfraudorotherimpropermeansbutisnotapproved,theapplicantandtheinvestorholdingmorethan5%ofitsequityshallnotapplyagainorOsallistu.
(2)Thosewhoapplyforthe"PaymentBusinessPermit"byfraudorotherimpropermeansandhavebeenapproved,thePeople’sBankofChinaanditsbranchesshallorderthemtoterminatethepaymentbusinessandcanceltheir"PaymentBusinessPermit"》;Ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw;applicantsandinvestorsholdingmorethan5%oftheirequityshallnotapplyfororparticipateintheapplicationforthePaymentBusinessPermit.
11.K: WhatsPenaltiesWillBePusteredForprovidingPaymentservicesWithoutaTouthorization?
Answer:TheMeasuresstipulate:Anynon-financialinstitutionorindividualengagesinpaymentbusinesswithouttheapprovalofthePeople’sBankofChinaorengagesinpaymentbusinessindisguise,orthepaymentinstitutionexceedsthevalidityofthePaymentBusinessPermitThosewhocontinuetoengageinpaymentbusinesswithinthetimelimitshallbeorderedbythePeople’sBankofChinaanditsbranchestoterminatethepaymentbusiness;ifacrimeissuspected,itshallbetransferredtothepublicsecurityorganforinvestigation;ifacrimeisconstituted,criminalresponsibilityshallbeinvestigatedinaccordancewiththelaw.
12.KYSYMYS: MITEN ARVIONESIONAALISET JAUTTAVATTUMINEN JÄLKEENJÄRJESTELMÄT?
VASTAUS: "Toimenpiteet" ovat equibleyplicabletonon-financialInstitutionsiongedInPaymentserviceInMyCountry, mukaan lukien ei-financialInstitiTionsHatHaveBeenEngagedInPaymentbusinessesWithOutProvalNeTiTutsTuutionsTheMauseNendToApply-ohjelmien määrittämisen kanssa..TheFormercaninDenendendleDecidetowithdrawfromThemarpetorOBTainThe "PACKORBusinessPermit" sisällä "Toimien" mukauttaminen.Ei-financialInstitutionsThatfailtoObtainThePaymentBusinessPermitWithintimelimitShallNotContinueToEnGageInPaymentBusiness.
ThePeople'sbankofchinawillexpedititiivisesti muotoilunetiAledrulesForthEimplications of "mittojen" andRelatedbusinessmeasures.TheimplementionRulesMainlyelaborateanDexplainTheProvictions "mittojen", jotka koskevat tämän ajanjakson, niiden määränvälisten aineiden ja tekijöiden ja tekijöitä ja teotehtäviä.Asiaankuuluvat liiketoiminnan mittaukset.ThePeople'sbankofchinawillalsOmulaterelevantsupportingMeasuresWithrelianDePartmentsSuchaspublicsEcurity, OrganisationdCarryoUtrelevantSpecialInsPections, FormAJINTFORCE, toteuttaa,.