非银行支付机构分类评级管理办法草案公开征求意见 明确评级指标、评级方法和加减分项内容

Group 1 - The People's Bank of China (PBOC) has released a draft for public consultation regarding the classification and rating management of non-bank payment institutions, outlining the framework for the rating process [1] - The draft specifies the establishment of a classification rating mechanism led by the payment settlement department, with participation from technology and anti-money laundering departments [1] - The rating indicators, methods, and scoring criteria are clearly defined, with annual evaluations mandated by the PBOC prior to each rating cycle [1] Group 2 - The draft outlines five categories and eleven rating results, detailing the corresponding scoring ranges and special circumstances for Class E ratings [1] - It establishes standards for measuring the operational status and risk levels associated with each rating result, along with regulatory measures to be taken by the PBOC and its branches [1] - The rating results are intended solely for regulatory use by the PBOC and its branches, with a general principle of non-disclosure to the public [1] Group 3 - The rating process is applicable to payment institutions that have been established for over one year, with a defined procedure for self-assessment, preliminary evaluation by branches, and final review by the head office [1] - The draft includes provisions for interpretation rights and the effective date of implementation [1]