第三方支付行业监管

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国庆前夕深圳两家支付公司被罚,美的旗下美的支付在列,深圳人行今年罚单数大增
Xin Lang Cai Jing· 2025-09-30 09:53
Core Insights - The People's Bank of China has issued administrative penalties to two payment companies for regulatory violations, indicating increased scrutiny in the third-party payment sector [2][3]. Group 1: Regulatory Actions - Zhifu Electronic Payment Co., Ltd. was fined a total of 690,771.6 RMB for violating clearing management regulations [2]. - Shenzhen Midea Payment Technology Co., Ltd. received a warning and a fine of 2.81 million RMB for violating account management and clearing management regulations [2]. - Yi Moufen, the former deputy general manager of Shenzhen Midea Payment Technology Co., Ltd., was fined 625,000 RMB for being responsible for the company's violation of account management regulations [2]. Group 2: Industry Overview - The number of administrative penalties issued by the Shenzhen branch of the People's Bank of China has significantly increased, with 21 penalties issued in 2025 compared to 6 in 2024 and 1 in 2023 [5]. - The third-party payment industry is experiencing stricter regulations and management, leading to the exit of smaller institutions as larger players dominate the market [5]. - According to the "2025 Annual Analysis Report on the Third-Party Payment Industry," the total transaction volume for third-party payments is projected to grow by 7.8% in 2024, reaching 373.3 billion RMB [6].
第三方支付罚单不止!哪些红线要警惕
Bei Jing Shang Bao· 2025-05-28 13:09
Core Viewpoint - The third-party payment industry is facing intensified regulatory scrutiny, as evidenced by recent fines imposed on companies for non-compliance with regulations [1][6][7]. Group 1: Regulatory Actions - Newborn Payment Co., Ltd. was fined 480,000 yuan for violating clearing management and institutional management regulations [1][3]. - Tianjin Rongbao Payment Network Co., Ltd. was fined 130,000 yuan for failing to properly safeguard relevant materials and not implementing effective risk control measures [5][6]. Group 2: Industry Context - The recent fines reflect a broader trend of increased regulatory oversight in the third-party payment sector, with a notable rise in penalties compared to the previous year [7][8]. - Analysts indicate that the introduction of new penalty clauses under the Non-Bank Payment Institutions Supervision Management Regulations has expanded the scope of regulatory enforcement [6][7]. Group 3: Compliance Challenges - Compliance shortcomings in risk management remain a significant issue for licensed payment institutions, particularly in merchant management and risk control measures [6][8]. - The industry is entering a full-chain regulatory era, with heightened compliance requirements and costs, particularly concerning anti-money laundering measures [7][8]. Group 4: Future Recommendations - Payment institutions are advised to enhance their anti-money laundering capabilities and improve communication with regulators to navigate the evolving compliance landscape [8]. - Companies should focus on core business areas and leverage strategic opportunities in digital and cross-border payments while ensuring robust compliance frameworks [8].