央行印发《非银行支付机构分类评级管理办法》 强调支付机构不得将分类评级结果用于广告、宣传、营销等商业目的

Core Viewpoint - The People's Bank of China has issued the "Classification Rating Management Measures for Non-Bank Payment Institutions," which establishes a structured rating system for payment institutions based on various operational and governance criteria [1] Group 1: Rating Structure - The classification rating includes seven modules: corporate governance, business norms, reserve fund management, user rights protection, system security, anti-money laundering measures, and operational stability [1] - Each module has a specific score allocation, with a total maximum score of 100 points: corporate governance (10 points), business norms (25 points), reserve fund management (10 points), user rights protection (10 points), system security (15 points), anti-money laundering measures (15 points), and operational stability (15 points) [1] Group 2: Regulatory Use and Disclosure - The classification rating results are intended solely for the regulatory use of the People's Bank of China and its branches, and are generally not disclosed to the public [1] - In certain circumstances, the People's Bank of China may share the rating results with other regulatory or government departments, but such information must not be disclosed to third parties [1] - Payment institutions are prohibited from using the classification rating results for advertising, promotion, or marketing purposes [1]