两项新规加强支付外包机构备案及评价管理 确保收单外包服务自律管理可落地可操作可实施

Core Viewpoint - The China Payment and Clearing Association has introduced 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]. Group 1: Regulations Overview - The newly released "Filing Management Norms for Acquiring Outsourcing Service Institutions" and "Evaluation Management Norms for Acquiring Outsourcing Services" are designed to support the overarching "Self-Regulation Management Measures" [1][2]. - The regulations clarify the specifics of filing, information registration, risk information sharing, blacklist management, and self-regulatory evaluation, ensuring practical implementation of the management measures [2]. Group 2: Filing Management - The "Filing Norms" detail the specific content, standards, and procedures for filing management of outsourcing institutions, emphasizing a "file first, then operate" approach to ensure compliance [3]. - The norms aim to enhance efficiency and standardization in the filing process, requiring regular reporting of key business data from outsourcing institutions to monitor industry conditions [3]. Group 3: Data Security Requirements - The regulations impose strict data security management requirements on transaction information transfer service institutions, mandating compliance with national laws and regulations [4]. - Institutions must establish independent business systems that meet national technical service standards, implement data encryption mechanisms, and enforce strict access management [4]. Group 4: Risk Management and Evaluation - The "Evaluation Norms" introduce a scoring system to assess outsourcing institutions based on operational capabilities, risk behaviors, and service levels, incorporating a risk coefficient into the final score [5][6]. - A total of 30 risk behaviors have been identified, including violations leading to administrative penalties and involvement in illegal activities, with a clear classification of risk levels and blacklist management standards [5][6]. Group 5: Future Directions - The China Payment and Clearing Association plans to enforce the new regulations rigorously, focusing on comprehensive management of the outsourcing service process to maintain a fair market order [6]. - The association will promote transparency in the outsourcing service market and encourage licensed institutions to fulfill their management responsibilities effectively [6].