商管、清算违规 嘉联支付被罚141万元

Core Viewpoint - The recent fine imposed on JiaLian Payment highlights ongoing regulatory scrutiny in the payment industry, emphasizing the importance of compliance in merchant management and clearing processes [1][2][3] Group 1: Regulatory Actions - JiaLian Payment was fined 1.41 million yuan for violations related to merchant management and clearing regulations, with illegal gains of 1,293.91 yuan confiscated [1] - The company has previously faced penalties for similar violations, including a 2.99 million yuan fine in October 2023 for non-compliance in clearing management and merchant management [2] Group 2: Company Performance - JiaLian Payment processed approximately 721.8 billion yuan in transaction volume in the first half of the year, with revenue of 949 million yuan and a net profit of 88.5 million yuan [1] - As of the reporting period, the company had total assets of 2.356 billion yuan and net assets of 892 million yuan [1] Group 3: Industry Insights - The payment industry is facing challenges due to a focus on scale over compliance, leading to vulnerabilities in merchant management and clearing processes [3] - Regulatory changes, such as the "Non-Bank Payment Institutions Supervision Management Regulations," have imposed stricter requirements on merchant real-name systems and transaction authenticity, pushing companies to enhance their compliance frameworks [3][4] Group 4: Compliance and Risk Management - Companies in the payment sector need to improve their qualification review capabilities and establish robust security measures to prevent issues like cash-out and money laundering [4] - JiaLian Payment plans to adopt a risk-based approach to strengthen its compliance management and ensure a closed-loop control process for merchants [3]