加强非银行支付机构监管，央行修订支付机构分类评级管理办法

Core Viewpoint - The People's Bank of China has released a revised classification rating management method for non-bank payment institutions, aimed at enhancing regulatory oversight and resource allocation in the sector [1]. Group 1: Classification Rating Management - The revised management method will be implemented starting February 1, 2026, and involves evaluating payment institutions based on their operational management and risk status [1]. - 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 2: Rating Results and Categories - The classification rating will be conducted annually, with the evaluation period covering the previous year [2]. - Significant changes in payment institutions that could affect their rating can be included in the current evaluation, and such matters will not be considered in the next evaluation period [2]. - The rating results serve as a critical measure of the operational status and risk level of payment institutions, categorized into five classes (A, B, C, D, E) with a total of 11 levels [2]. Group 3: Rating Classifications - Class A institutions exhibit excellent overall ratings, operate in compliance, have minimal violations, and possess strong risk control capabilities [3]. - Class B institutions show good overall ratings, operate relatively well, have minor violations, and maintain strong risk control [4]. - Class C institutions have average ratings, with general violations and average risk control capabilities [5]. - Class D institutions are rated poorly, with significant violations and weak risk control [6]. - Class E institutions have serious violations and are rated poorly, indicating a direct classification as E [6]. Group 4: Implementation and Utilization - The People's Bank of China and its branches will utilize the classification rating results to formulate regulatory plans, allocate resources effectively, and implement prudent regulatory measures [6]. - The results will guide the analysis of risks within payment institutions, determine regulatory priorities, and influence the frequency and scope of both off-site and on-site inspections [6].