30种风险行为划“生死线”！两项规范剑指收单外包服务机构风险

Core Viewpoint - The China Payment and Clearing Association has released two new regulations, the "Record Management Specification for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Specification for Acquiring Outsourcing Services," aimed at enhancing the transparency and risk management of the acquiring outsourcing market [2][4]. Group 1: Regulations Overview - The new regulations clarify the registration, information recording, risk information sharing, blacklist management, and self-discipline evaluation processes for outsourcing institutions [2][4]. - The "Record Management Specification" details the conditions, information, and materials required for registration, as well as the standards and timelines for information review [4]. - The "Evaluation Management Specification" outlines the requirements for licensed institutions to register information about cooperating outsourcing institutions and specifies 30 types of risk behaviors [6][7]. Group 2: Risk Management - The regulations aim to address long-standing issues in the acquiring outsourcing market, such as illegal operations, gambling, fraud, and risk transmission, thereby improving industry transparency and risk control capabilities [2][5]. - The "Evaluation Management Specification" lists 30 specific risk behaviors, including administrative penalties for illegal operations and involvement in money laundering or fraud [6][7]. - A blacklist management mechanism is established to ensure that institutions share risk information and collectively penalize non-compliant outsourcing institutions, significantly increasing the cost of violations [7][9]. Group 3: Industry Impact - The introduction of these regulations is expected to lead to a more standardized and transparent market, accelerating industry consolidation in the short term and benefiting compliant institutions in the long term [4][5]. - The evaluation results of outsourcing institutions will be publicly available for licensed institutions to make informed partnership decisions, with non-compliant institutions required to terminate partnerships within 20 working days [9].