非银支付机构监管将迎新规！央行拟按5类11级差异化监管

Core Viewpoint - The People's Bank of China (PBOC) has released a draft for public consultation regarding the "Non-Bank Payment Institutions Classification Rating Management Measures (Revised Draft)," aimed at enhancing the regulatory framework for payment institutions and ensuring compliance with the Non-Bank Payment Institutions Supervision and Administration Regulations [2][4]. Group 1: Overview of the Draft - The draft consists of five chapters and twenty-three articles, covering general principles, rating indicators and methods, results and applications, organizational implementation, and supplementary provisions [5][8]. - The revision of the draft is a specific measure to implement the spirit of the Central Financial Work Conference and is a necessary requirement for enforcing the Non-Bank Payment Institutions Supervision and Administration Regulations [4]. Group 2: Rating Indicators and Methods - The draft specifies the rating indicators, methods, and adjustment factors, with a total score of 100 points distributed across seven modules, including corporate governance, business norms, reserve fund management, user rights protection, system security, anti-money laundering measures, and operational stability [9][10]. - The business norms module holds the highest weight at 25 points, indicating its significance in the overall assessment [9]. Group 3: Rating Results and Application - The classification rating results are divided into five categories (A, B, C, D, E) with eleven levels, and specific scoring ranges are defined for each category [10][12]. - Institutions rated as E will face severe consequences, such as being classified as non-compliant if they fail to submit self-assessment reports or are found to have engaged in illegal activities [10]. Group 4: Implementation and Regulatory Measures - The draft outlines that the rating applies to payment institutions that have been established for over one year, detailing the procedures for self-assessment, initial evaluation by branches, and final evaluation by headquarters [7][12]. - Differentiated regulatory measures will be applied based on the rating results, with A-rated institutions required to rectify issues within a specified timeframe, while D and E-rated institutions will face stricter regulatory actions [12].