30种风险行为划定“警戒线” 收单外包服务市场加速洗牌

Core Viewpoint - The new regulations issued by the China Payment and Clearing Association aim to address long-standing issues in the acquiring outsourcing market, such as illegal subcontracting and information leakage [2][4]. Group 1: Regulatory Changes - The new regulations include the "Acquiring Outsourcing Service Institution Filing Management Specification" and the "Acquiring Outsourcing Service Evaluation Management Specification" to enhance compliance and self-regulation in the acquiring outsourcing market [7]. - The regulations emphasize a "pre-filing before business operation" approach to ensure orderly and compliant outsourcing services [7]. - The regulations outline 30 types of risky behaviors, including illegal operations, money laundering, and fraudulent activities, which will be closely monitored [7]. Group 2: Industry Risks - The acquiring outsourcing service sector has been plagued by various risks, including aggressive marketing tactics and fraudulent practices, leading to significant financial losses for merchants [5][6]. - Some outsourcing institutions have been found to register fake merchants and manipulate transaction data to gain market share, raising concerns about regulatory evasion and market disruption [5][6]. - The misuse of technology by some payment service providers has created a breeding ground for illegal activities, including money laundering and cash-out schemes [6]. Group 3: Future Outlook - The implementation of the new regulations is expected to accelerate industry differentiation, favoring institutions with strong compliance and technological capabilities [11]. - The regulatory environment for the payment clearing industry is becoming increasingly stringent, with various management measures being introduced to combat illegal activities [10]. - While the industry may face short-term challenges, the long-term outlook suggests that compliant and technologically advanced institutions will dominate the market, leading to a safer and more efficient payment ecosystem [11].