开联通支付，被重罚3843万元！

Core Viewpoint - The People's Bank of China (PBOC) has imposed a total fine of 38.43 million yuan on Kailiantong Payment Service Co., Ltd. for seven violations, including illegal T+0 transaction settlements and failure to ensure the authenticity and traceability of transaction information [1][3][5]. Group 1: Violations and Penalties - Kailiantong Payment was fined 25.56 million yuan for illegal gains and an additional 12.88 million yuan in penalties, totaling 38.43 million yuan [1][3]. - The seven types of violations include: 1. Failure to ensure transaction information is authentic, complete, and traceable 2. Not strictly implementing risk monitoring requirements 3. Not adhering to risk rating requirements 4. Conducting transfers from payment accounts to non-matching bank accounts 5. Engaging in T+0 transaction settlements 6. Failing to retain identification documents for card purchases over 10,000 yuan 7. Not verifying the account opening intentions of legal representatives [3][4]. Group 2: Company Background and Previous Penalties - Kailiantong Payment, established in 2010 with a registered capital of 100 million yuan, is one of the first 27 non-bank payment institutions to receive a payment business license from the PBOC [5]. - The company has received penalties previously, including a fine of 1.19 million yuan in February 2025 for failing to identify customers properly [5]. - The company has multiple execution records and has been urged to pay overdue taxes, including value-added tax and urban maintenance construction tax [5].