两项新规加强支付外包机构备案及评价管理

Core Points - The China Payment and Clearing Association has released the "Record Management Regulations for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Regulations for Acquiring Outsourcing Services" to enhance self-regulation and standardize payment outsourcing services [1][2] Group 1: Regulations Overview - The new regulations aim to prevent risks in acquiring services, protect the rights of market participants, and promote healthy development in the payment service market [1] - The regulations provide specific content, industry standards, and operational processes for the registration, information sharing, and self-evaluation of outsourcing institutions [2] Group 2: Registration and Compliance - The "Record Management Regulations" detail the registration management standards and procedures for outsourcing institutions, emphasizing a "registration before operation" principle to ensure compliance [3] - The regulations require outsourcing institutions to regularly report key business data to enhance transparency and understanding of market conditions [3] Group 3: Data Security Management - 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 and implement robust data encryption and access management mechanisms to protect sensitive data [4] Group 4: Risk Management and Evaluation - The "Evaluation Management Regulations" introduce a scoring system to assess outsourcing institutions based on their operational capabilities and risk management levels [5] - A total of 30 risk behaviors are identified, with a clear standard for blacklisting and risk information sharing [6] - The evaluation process aims to enhance transparency in the outsourcing market and facilitate the selection of compliant partners by licensed institutions [5][6]