完善差异化监管措施，央行印发《非银行支付机构分类评级管理办法》

Core Viewpoint - The People's Bank of China has issued the "Non-Bank Payment Institutions Classification Rating Management Measures" to enhance the regulation of non-bank payment institutions and promote their sustainable development [1] Group 1: Classification Rating Overview - The classification rating process evaluates the operational management and risk status of payment institutions based on daily regulatory insights and other relevant information [1] - The classification rating results serve as the foundation for implementing differentiated regulatory measures [1] Group 2: Rating Indicators and Methods - 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 specific scoring criteria, with a total score of 100 points distributed as follows: 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 3: Scoring and Adjustment Factors - The scoring for each rating element is determined by the People's Bank of China and its branches based on the actual conditions of the payment institutions, aligning with established rating points and scoring principles [2] - The final rating score is derived from the sum of scores across all rating modules [3] - Rating adjustment factors include both positive and negative adjustments [4] Group 4: Final Rating Determination - The final rating result is established by combining the rating score with adjustment factors, which will inform regulatory planning and resource allocation [5] - The classification rating results will be used to analyze risks within payment institutions and determine regulatory focus, including the frequency and scope of both off-site and on-site inspections [5]