【导读】中国人民银行修订《人民币跨境支付系统业务规则》 12月26日，央行官网发布消息称，为适应跨境人民币业务发展需要，加强人民币跨境支付系统（CIPS）业务管理，中国人民银行修订了《人民币跨境支 付系统业务规则》，自2026年2月1日起施行。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调查统计 | 银行会计 | 支付体系 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党建工作 | | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | 网上展厅 | 报告下载 | 报刊年鉴 | | | 网送文告 ...

【导读】中国人民银行修订《人民币跨境支付系统业务规则》 中国基金报记者 忆山 12 月 26 日，央行官网发布消息称，为适应跨境人民币业务发展需要，加强人民币跨境支付 系统（ CIPS ）业务管理，中国人民银行修订了《人民币跨境支付系统业务规则》，自 2026 年 2 月 1 日起施行。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | 条法司 Legal Affairs Department | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调查统计 | 银行会计 | 支付体系 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党建工作 | | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | 网上展厅 | 报 ...

Core Viewpoint - The People's Bank of China has revised the "Rules for Cross-Border Payment System of Renminbi (Draft for Comments)" to better accommodate the expansion and management needs of participants in the Cross-Border Interbank Payment System (CIPS) [1][2]. Group 1: Revision Considerations - The revision aims to better meet the expansion and management requirements of CIPS participants, as the original rules were insufficient due to the growth of CIPS business and participant scale [2]. - The updated rules will enhance the management mechanism for participants, ensuring that the needs for expansion are effectively met and improving the overall management level of CIPS participants [2]. Group 2: Specific Content of the Rules - The revised rules clarify aspects such as account management, business processing, settlement mechanisms, risk management, and emergency response [3]. - In account management, the rules standardize the opening of accounts for participants and operating institutions, the ownership of settlement funds, and liquidity management [3]. - For business processing, the rules specify the types of business participants can engage in and regulate actions such as message permission applications, system logins, and business type entries [3]. - The settlement mechanism is defined, including queue management, business cancellation and return, and accounting and reconciliation for participants [3]. - Regarding risk management and emergency response, the rules require CIPS operating institutions and participants to establish emergency response mechanisms, early warning systems for operational anomalies, and backup systems for timely fault handling [3].

Core Viewpoint - The People's Bank of China has released a draft for the "Rules for Cross-Border Payment System of Renminbi" to solicit public opinions, aiming to enhance the management and operational requirements for CIPS participants [1] Group 1: Background and Necessity of Revision - The revision is necessary to better accommodate the expansion and management requirements of CIPS participants due to the growth of CIPS business and participant scale [1] - The existing rules do not effectively meet the needs for participant expansion and management, necessitating updates to improve the management mechanism [1] - The rules will also ensure that the regulatory documents are forward-looking and scientific, adapting to the ongoing development and functional upgrades of CIPS [1] Group 2: Applicability and Responsibilities - The draft rules apply to CIPS operating institutions, direct participants, and indirect participants, with operating institutions being approved by the People's Bank of China to provide cross-border RMB clearing and settlement services [2] - Operating institutions are required to establish participant management measures, detailing requirements for participant entry and exit, reporting, and risk management [2] - Direct and indirect participants must conduct business according to the management measures set by the operating institutions, which must be reported to the People's Bank of China after thorough evaluation and feedback [2] Group 3: Account Management and Business Processing - Operating institutions may open clearing accounts with the People's Bank of China for centralized storage of settlement funds, with funds belonging to all direct participants and no overdraft allowed [3] - Direct participants must process payments through CIPS based on customer instructions or indirect participants' commissions, while financial market infrastructure participants must organize or participate in fund settlements through CIPS according to their system needs [3] - Unauthorized expansion of service scope, objects, or business scenarios by direct participants is prohibited [3]