人民银行印发《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 a notice regarding the implementation of the revised "Non-Bank Payment Institutions Classification Rating Management Measures," which will take effect on February 1, 2026, focusing on the classification and evaluation of payment institutions [1] Group 1: Classification Rating Framework - The classification rating will assess payment institutions based on governance, business norms, reserve fund management, user rights protection, system security, anti-money laundering measures, and operational stability [1] - Each category will include several rating factors, composed of both quantitative and qualitative indicators [1] Group 2: Rating Scoring System - The total score for the classification rating is 100 points, distributed across various modules: 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] - The classification results will be divided into five categories with eleven levels: A (AAA, AA, A), B (BBB, BB, B), C (CCC, CC, C), D, and E [1]