列示出30种风险行为 明确黑名单管理标准 2017年以来，在管理部门的指导下，中国支付清算协会连续组织开展收单外包服务机构自律评价工 作，为持牌机构选择合作外包机构提供公允的行业标准，提高了外包市场信息透明度，降低了收单市场 双方的合作成本，有效发挥了促进优胜劣汰的作用。 收单外包机构，一般是指受持有第三方支付牌照的收单机构委托，提供收单非核心业务服务的企 业，包括但不限于商户拓展与服务、终端布放与维护、支付方式聚合等。2020年以来，在中国人民银行 的指导下，中国支付清算协会探索建立了外包机构备案管理机制，旨在提高外包服务市场信息透明度， 强化支付外包服务市场治理，打击治理涉赌涉诈、网上售卖POS机、套码套现等违法违规支付行为，在 促进支付受理市场健康发展方面发挥了积极作用。2024年，中国支付清算协会制定发布了《收单外包服 务自律管理办法》（以下简称《办法》），作为收单外包服务管理的基本制度，对收单机构外包业务管 理、外包机构、外包服务自律管理等作了总体规定。 据悉，两项规范作为《办法》配套自律规范，进一步明确了外包机构备案、信息登记、风险信息共 享与黑名单管理、自律评价的具体内容、行业标准与操作流程，确 ...

Core Viewpoint - The release of the "Registration Management Norms for Acquiring Outsourcing Service Institutions" and "Evaluation Management Norms for Acquiring Outsourcing Services" by the China Payment and Clearing Association aims to enhance self-regulation and promote the healthy development of the acquiring outsourcing service market [1][2]. Group 1: Registration Norms - The "Registration Norms" consists of eight chapters and thirty-four articles, detailing the purpose, scope, and principles of registration, as well as the conditions and materials required for registration [2][3]. - It specifies the management measures and self-discipline penalties for licensed institutions and outsourcing institutions, emphasizing data security and confidentiality [2][3]. - As of June 11, over 35,000 acquiring outsourcing institutions have completed registration, involving more than 740 aggregation payment institutions [1]. Group 2: Evaluation Norms - The "Evaluation Norms" includes six chapters and thirty-nine articles, outlining the requirements for information registration, risk information management, and self-discipline evaluation [3][4]. - It establishes standards for risk information sharing and blacklisting management, as well as the rules and processes for self-discipline evaluation [3][4]. - The evaluation results will serve as an important reference for assessing outsourcing institutions, with a focus on compliance and operational transparency [5]. Group 3: Industry Impact - The new norms are expected to shift the outsourcing market from "scale expansion" to "compliance capability competition," potentially increasing industry concentration [3][4]. - The association plans to strengthen management across the entire process of acquiring outsourcing services, ensuring fair and orderly market conditions [4][5]. - Enhanced regulations are anticipated to improve payment service levels and efficiency, while also safeguarding consumer rights [5].

Core Viewpoint - The China Payment and Clearing Association has released the "Record Management Specification for Acquiring Outsourcing Service Institutions" to enhance self-regulation in acquiring outsourcing services, mitigate risks, and promote healthy market development [1][2] Group 1: Regulatory Framework - The "Record Management Specification" consists of eight chapters and thirty-four articles, covering general principles, application for record, information review and public disclosure, information management, cancellation of records, dispute handling, and disciplinary measures [1] - The specification clarifies the purpose, basis, scope of application, prerequisites for business operations, and principles for record-keeping [1] Group 2: Compliance and Management - It specifies the conditions for outsourcing institutions to be recorded, the required information and documentation, review standards, timelines, and circumstances under which records may be denied or rejected [1] - The specification outlines the requirements for changes in recorded institution information, data reporting, voluntary withdrawal processes, and circumstances for record cancellation by the association [1] Group 3: Risk Management and Self-Regulation - It emphasizes the management measures and self-discipline penalties for licensed institutions and outsourcing entities in violation of regulations, highlighting data security, confidentiality management, and work discipline [1][2] - The specification serves as a supporting self-regulatory framework for the "Self-Regulatory Management Measures for Acquiring Outsourcing Services," ensuring the practical implementation of the measures and promoting a standardized and healthy development of the acquiring outsourcing service market [2]

Core Viewpoint - The new regulations issued by the China Payment and Clearing Association aim to address long-standing issues in the acquiring outsourcing market, such as illegal subcontracting and information leakage [2][4]. Group 1: Regulatory Changes - The new regulations include the "Acquiring Outsourcing Service Institution Filing Management Specification" and the "Acquiring Outsourcing Service Evaluation Management Specification" to enhance compliance and self-regulation in the acquiring outsourcing market [7]. - The regulations emphasize a "pre-filing before business operation" approach to ensure orderly and compliant outsourcing services [7]. - The regulations outline 30 types of risky behaviors, including illegal operations, money laundering, and fraudulent activities, which will be closely monitored [7]. Group 2: Industry Risks - The acquiring outsourcing service sector has been plagued by various risks, including aggressive marketing tactics and fraudulent practices, leading to significant financial losses for merchants [5][6]. - Some outsourcing institutions have been found to register fake merchants and manipulate transaction data to gain market share, raising concerns about regulatory evasion and market disruption [5][6]. - The misuse of technology by some payment service providers has created a breeding ground for illegal activities, including money laundering and cash-out schemes [6]. Group 3: Future Outlook - The implementation of the new regulations is expected to accelerate industry differentiation, favoring institutions with strong compliance and technological capabilities [11]. - The regulatory environment for the payment clearing industry is becoming increasingly stringent, with various management measures being introduced to combat illegal activities [10]. - While the industry may face short-term challenges, the long-term outlook suggests that compliant and technologically advanced institutions will dominate the market, leading to a safer and more efficient payment ecosystem [11].

Core Viewpoint - The China Payment and Clearing Association has introduced new regulations to enhance self-regulation in the acquiring outsourcing service sector, aiming to standardize practices, mitigate risks, and promote healthy market development [1][2]. Group 1: Regulations Overview - The newly released "Filing Management Norms for Acquiring Outsourcing Service Institutions" and "Evaluation Management Norms for Acquiring Outsourcing Services" are designed to support the overarching "Self-Regulation Management Measures" [1][2]. - The regulations clarify the specifics of filing, information registration, risk information sharing, blacklist management, and self-regulatory evaluation, ensuring practical implementation of the management measures [2]. Group 2: Filing Management - The "Filing Norms" detail the specific content, standards, and procedures for filing management of outsourcing institutions, emphasizing a "file first, then operate" approach to ensure compliance [3]. - The norms aim to enhance efficiency and standardization in the filing process, requiring regular reporting of key business data from outsourcing institutions to monitor industry conditions [3]. Group 3: Data Security Requirements - The regulations impose strict data security management requirements on transaction information transfer service institutions, mandating compliance with national laws and regulations [4]. - Institutions must establish independent business systems that meet national technical service standards, implement data encryption mechanisms, and enforce strict access management [4]. Group 4: Risk Management and Evaluation - The "Evaluation Norms" introduce a scoring system to assess outsourcing institutions based on operational capabilities, risk behaviors, and service levels, incorporating a risk coefficient into the final score [5][6]. - A total of 30 risk behaviors have been identified, including violations leading to administrative penalties and involvement in illegal activities, with a clear classification of risk levels and blacklist management standards [5][6]. Group 5: Future Directions - The China Payment and Clearing Association plans to enforce the new regulations rigorously, focusing on comprehensive management of the outsourcing service process to maintain a fair market order [6]. - The association will promote transparency in the outsourcing service market and encourage licensed institutions to fulfill their management responsibilities effectively [6].

Core Viewpoint - The China Payment and Clearing Association has introduced two new regulations to enhance self-regulation in the acquiring outsourcing service sector, aiming to standardize practices, mitigate risks, and promote healthy market development [1][2]. Regulation Details - The newly released regulations include the "Filing Management Regulations for Acquiring Outsourcing Service Institutions" and the "Evaluation Management Regulations for Acquiring Outsourcing Services," which will take effect immediately [1]. - These regulations serve as supplementary self-regulatory norms to the "Self-Regulatory Management Measures for Acquiring Outsourcing Services," clarifying the specifics of filing, information registration, risk information sharing, blacklist management, and self-evaluation [1][2]. Risk Management - The "Evaluation Regulations" outline risk types, levels, information sharing, and blacklist management standards, identifying 30 types of risk behaviors, including illegal activities such as money laundering and fraud [3][4]. - The regulations categorize risks into three levels based on the nature and severity of violations, establishing a framework for risk information sharing and management [3][4]. Self-Evaluation Mechanism - The self-evaluation mechanism includes rules, standards, and processes for evaluating outsourcing service institutions, with licensed institutions required to score their partner outsourcing institutions based on established criteria [4][5]. - The evaluation process has been streamlined to reduce the time from data collection to feedback, potentially shortening the cycle to weeks instead of months [5]. Filing Management - The "Filing Regulations" specify the types of outsourcing services that institutions can apply for, including merchant services and transaction information transfer, while emphasizing data security management [6][7]. - Institutions must adhere to legal responsibilities regarding data security, establish independent technical architectures, and implement measures to prevent data breaches [6][7]. Future Directions - The China Payment and Clearing Association plans to enforce the new regulations rigorously, focusing on comprehensive management of the acquiring outsourcing service process to maintain a fair and orderly market [7]. - The association aims to enhance transparency in the outsourcing service market, ensure timely registration of partner institutions, and facilitate the exit of non-compliant entities from the market [7].