一周两机构罚没5400万元，银盛支付“边罚边犯”

Core Viewpoint - The payment industry is facing intensified regulatory scrutiny as evidenced by significant fines imposed on companies like Yinsheng Payment and Kailian Payment, totaling approximately 54 million yuan, marking the beginning of compliance rectification efforts for 2026 [2][5]. Group 1: Regulatory Actions - Kailian Payment was fined a total of 38.43 million yuan for seven business violations, including failure to ensure transaction information authenticity and improper risk monitoring [3]. - Yinsheng Payment received a fine of 15.84 million yuan for multiple violations, including breaches of merchant management and account management regulations [6]. Group 2: Compliance and Internal Control Issues - The fines highlight serious deficiencies in Kailian Payment's internal controls and technical operations, as the company experienced a system failure that paralyzed business operations for over 10 days [4]. - The repeated violations by companies like Yinsheng Payment indicate a disconnect between governance and business operations, as well as challenges in matching technological risk control capabilities with the complexity of business operations [8]. Group 3: Industry Implications - The regulatory environment is shifting towards a more systematic approach, emphasizing "strong regulation and zero tolerance," with a focus on core risk areas in payment operations [8]. - The introduction of a "double penalty system" aims to hold both institutions and responsible individuals accountable, reinforcing the importance of compliance in corporate governance [8].