非银行支付机构迎评级新规 2月1日起施行

Core Viewpoint - The People's Bank of China has released a revised management method for the classification and rating of non-bank payment institutions, effective from February 1, 2026, aimed at enhancing regulatory oversight and resource allocation in the payment industry [1] Group 1: Regulatory Framework - The new method includes a classification rating system that will be conducted annually, with a total score derived from seven modules, including corporate governance, business norms, reserve fund management, user rights protection, system security, anti-money laundering measures, and operational stability [2] - The classification results will categorize institutions into five classes (A, B, C, D, E) based on their scores, with specific criteria for automatic classification as E for severe violations [2] Group 2: Regulatory Efficiency and Focus - The classification results will be utilized by the People's Bank of China to formulate regulatory plans and allocate resources effectively, enhancing the precision of regulatory measures [4] - Institutions rated A will be required to rectify issues within a specified timeframe without special regulatory measures, while B-rated institutions will undergo additional scrutiny, including mandatory discussions with key stakeholders [4] Group 3: Industry Impact - The clear rating standards will provide payment institutions with compliance benchmarks, encouraging proactive risk management and enhancing service quality [5] - The normalization of classification ratings is expected to integrate compliance concepts deeply into the operational processes of institutions, thereby improving overall governance, technical security, and service levels across the industry [5]