中国支付清算协会发新规：规范收单外包服务行为 明确黑名单管理标准

Core Viewpoint - The China Payment and Clearing Association has introduced two new regulations to enhance self-regulation in the acquiring outsourcing service sector, aiming to standardize practices, mitigate risks, and promote healthy market development [1][2]. Regulation Details - The newly released regulations include the "Filing Management Regulations for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Regulations for Acquiring Outsourcing Services," which will take effect immediately [1]. - These regulations serve as supplementary self-regulatory norms to the "Self-Regulatory Management Measures for Acquiring Outsourcing Services," clarifying the specifics of filing, information registration, risk information sharing, blacklist management, and self-evaluation [1][2]. Risk Management - The "Evaluation Regulations" outline risk types, levels, information sharing, and blacklist management standards, identifying 30 types of risk behaviors, including illegal activities such as money laundering and fraud [3][4]. - The regulations categorize risks into three levels based on the nature and severity of violations, establishing a framework for risk information sharing and management [3][4]. Self-Evaluation Mechanism - The self-evaluation mechanism includes rules, standards, and processes for evaluating outsourcing service institutions, with licensed institutions required to score their partner outsourcing institutions based on established criteria [4][5]. - The evaluation process has been streamlined to reduce the time from data collection to feedback, potentially shortening the cycle to weeks instead of months [5]. Filing Management - The "Filing Regulations" specify the types of outsourcing services that institutions can apply for, including merchant services and transaction information transfer, while emphasizing data security management [6][7]. - Institutions must adhere to legal responsibilities regarding data security, establish independent technical architectures, and implement measures to prevent data breaches [6][7]. Future Directions - The China Payment and Clearing Association plans to enforce the new regulations rigorously, focusing on comprehensive management of the acquiring outsourcing service process to maintain a fair and orderly market [7]. - The association aims to enhance transparency in the outsourcing service market, ensure timely registration of partner institutions, and facilitate the exit of non-compliant entities from the market [7].