第三方支付2025年最大罚单产生！ 对于多项违规被央行重罚，*ST仁东近日发布公告回应称，合利宝支付已完成上述罚款缴纳，目前公司生产经营活动正 常。合利宝支付也在其官方微信公众号上回应称，"诚恳接受、坚决服从和落实，严格执行相关决定"。 中国人民银行广东省分行近日公布的行政处罚信息显示，广州合利宝支付科技有限公司（下称"合利宝支付"）则因违反清 算管理规定，违反支付受理终端及相关业务管理规定，违反商户管理规定和违反账户管理规定被警告、通报批评，并处罚款 6279.97万元，没收违法所得1208.02万元，罚没款合计7487.99万元。与此同时，相关责任人赵某生因对合利宝支付违反支付结 算管理有关规定中清算管理规定的行为负有责任，被罚92.5万元。 依据央行备案和工商信息，合利宝支付成立于2013年7月，注册资本1亿元，拥有中国人民银行颁发的《支付业务许可 证》，业务类型包含储值账户运营Ⅰ类、支付交易处理Ⅰ类，范围覆盖全国，具有跨境人民币业务资质，总部位于广州，法定 代表人是赵光生。合利宝支付的母公司为A股上市公司*ST仁东，后者通过间接控股方式持有合利宝支付95%的股权。 ...

Core Viewpoint - *ST Rendo's subsidiary, He Li Bao, has been fined 74.88 million yuan by the People's Bank of China for regulatory violations, which may significantly impact the company's net profit for 2025 [2][6]. Group 1: Regulatory Penalties - He Li Bao received a total fine of 74.87 million yuan, which includes a fine of 62.80 million yuan and the confiscation of illegal gains amounting to 12.08 million yuan [5]. - The violations identified during the inspection period from September 1, 2022, to July 31, 2024, include breaches of clearing management, payment terminal management, merchant management, and account management regulations [5]. Group 2: Financial Impact - The fine represents approximately 20% of *ST Rendo's net profit of about 367 million yuan for the first three quarters of 2025 [6]. - The penalty will reduce the company's current profits, with the exact impact to be confirmed after the annual audit [5]. Group 3: Business Operations and Risks - He Li Bao's payment license renewal is currently in a "suspended review" status, posing a long-term survival risk for the company [7]. - The company is actively communicating with regulatory authorities to resolve the issues causing the suspension and plans to submit a report for resuming the review once the situation is rectified [7]. - The progress of the payment license renewal is subject to industry regulatory policies and may face delays due to policy changes or company-specific reasons [8].

Core Insights - The "15th Five-Year Plan" period is a critical stage for China's modernization, with technology companies playing a vital role in promoting self-reliance in technology and building a modern industrial system [2][19] - The company aims to align its business strategies with national development goals, emphasizing the integration of digital technology with the real economy [2][12] Business and Strategic Alignment - The company has identified key business segments that align with national strategies, including financial payment services for small and micro enterprises, smart charging solutions integrated into smart cities, and digital transformation in the hospitality sector [4][6] - The company plans to create an ecosystem that combines payment, hardware, data, and SaaS solutions to support national strategic scenarios such as rural revitalization and urban convenience [6][9] Domestic Empowerment and International Expansion - A "layered empowerment" strategy will be implemented domestically, focusing on flagship projects in core cities and providing cost-effective digital solutions in lower-tier markets [7] - Internationally, the company aims to export its digital solutions, particularly in Belt and Road markets, showcasing China's digitalization achievements [8] Strategic Development and Future Goals - The company has set ambitious revenue targets for its smart charging segment, aiming for annual revenues of 2-3 billion yuan in the next five years, and plans to enhance its payment ecosystem [14] - The company emphasizes the importance of aligning personal growth with corporate development, encouraging employees to contribute to the company's goals while achieving personal value [16][17] Cultural and Governance Integration - The company promotes a culture of pragmatism, urging employees to maintain a focus on value creation and problem-solving [17] - The integration of party-building and corporate governance is seen as essential for driving innovation and aligning with national strategies [11][19]

此外，7月份，在央行官网更新的已注销许可机构名单中，中国人保集团旗下的支付牌照持有主体——人保支付科技（重庆）有限公司也已宣布注销《支付 业务许可证》。 日前，重庆市金融监管局发布的《2025年11月重庆市小额贷款公司退出行业公示表》显示，包括重庆人保小额贷款有限责任公司（以下简称"人保小贷"）在 内的21家小额贷款公司退出行业，不得再从事小额贷款相关业务。 | 序号 | 公司名称 | 文件名称 | | --- | --- | --- | | | 重庆人保小额贷款有限责任公司 | 关于同意重庆人保小额贷款有限责任公司注销小额贷款公司 试点资格的批复 | | 2 | 重庆市江北区天晨小额贷款有限责任公司 | 监管措施决定书 | 人保小贷2017年11月成立，官网称该公司积极探索"科技+保险+信贷"的商业模式，通过保贷协同一体化为人保集团主业发展添加新动能。 上述21家小贷公司中，有20家属于地方金融监管部门组织摸排和核查后，查明相关公司符合"失联""空壳"公司认定标准，拟采取取消小额贷款公司试点资格 的监管措施，只有人保小贷是主动申请注销小贷试点资格。 ...

二是针对当前业务开展中，存在交易模式异常、交易行为不合规及交易占比超出正常范围等问题的合作 项目，将组建专项排查小组，通过线下实地核验、线上系统实时监测等多元方式开展全面排查。对排查 结果完全合格的业务，进行后续结算事宜。 鲲鹏支付于2011年获得人民银行颁发的《支付业务许可证》，获准开展业务类型为储值账户运营Ⅰ类、 支付交易处理Ⅰ类。曾用名为重庆市钱宝科技服务有限公司。 北京商报讯（记者 岳品瑜 董晗萱）12月10日，鲲鹏支付官方微信发布通知称，为全面响应中国人民银 行发布的《关于加强支付受理终端及相关业务管理的通知》及《关于强化银行卡受理终端安全管理的通 知》两份重要文件的监管导向，筑牢支付业务安全运营根基，确保全链条业务开展均符合合规性与稳定 性要求，公司近期已启动面向所有合作服务商及旗下拓展终端程序的全面核查与整改专项工作。 公司决定正式启用支付业务标准化管理处置流程。具体包括，一是全面梳理现有终端设备，对于未满足 国家及行业相关认证规范的设备，将启动全流程清退程序，完成彻底清理工作确保终端设备整体合规 性。 ...

二、针对当前业务开展中，存在交易模式异常、交易行为不合规及交易占比超出正常范围等问题的合作项目， 我司将组建专项排查小组，通过线下实地核验、线上系统实时监测等多元方式开展全面排查。对排查结果完全 合格的业务，进行后续结算事宜。 鲲鹏支付表示："本次专项整改行动，既是我司严格履行企业主体责任、贯彻落实国家金融监管政策的必然举 措，也是保障各合规合作伙伴及商户合法权益、维护行业健康发展秩序的重要行动。恳请各合作伙伴高度重视 此次整改工作，积极配合各项排查与清理要求，严格遵循我司相关管理规定，与我司携手共建安全有序、合规 可信的支付服务环境。" 12月10日金融一线消息，鲲鹏支付今日发布关于启动支付业务合规整改专项行动的通知。通知指出，为全面响 应中国人民银行发布的《关于加强支付受理终端及相关业务管理的通知》（银发（2021〕259号）及《关于强化 银行卡受理终端安全管理的通知》（银发（2017〕21号）两份重要文件的监管导向，筑牢支付业务安全运营根 基，确保全链条业务开展均符合合规性与稳定性要求，我司近期已启动面向所有合作服务商及旗下拓展终端程 序的全面核查与整改专项工作。 支付安全是行业发展的生命线，为彰显我司 ...

| | | 行政许可信息公示表 | | | | | | --- | --- | --- | --- | --- | --- | --- | | 序号 | 罐许可人名称 | 许可文件编号 | 许可文件名称 | 有效期服 | 济可内容 备在 | 许可机处 | | 1 仲优史村有限公司 | | ET0 DOG EST 121EZ | 《变付业务许可证》 长期 | | 価账户运营 类、调価账户运营 类 中国人民银行 (仅限统上实名支付账户无值) | | 责任编辑：王馨茹 责任编辑：王馨茹 12月5日金融一线消息，央行官网发布非银行支付机构《支付业务许可证》续展（换证）公示信息 （2025年12月批次）。其中，传化支付有限公司支付牌照有效期限变更为长期。该机构获批业务范围为 储值账户运营Ⅰ类、储值账户运营Ⅱ类（仅限线上实名支付账户充值）。 12月5日金融一线消息，央行官网发布非银行支付机构《支付业务许可证》续展（换证）公示信息 （2025年12月批次）。其中，传化支付有限公司支付牌照有效期限变更为长期。该机构获批业务范围为 储值账户运营Ⅰ类、储值账户运营Ⅱ类（仅限线上实名支付账户充值）。 | | | | 行政许可信息公 ...

北京商报讯（记者 岳品瑜 董晗萱）12月5日，人民银行官网发布非银行支付机构《支付业务许可证》续 展（换证）公示信息（2025年12月批次）。传化支付有限公司支付牌照有效期限变更为长期。该机构获 批业务范围为储值账户运营Ⅰ类、储值账户运营Ⅱ类（仅限线上实名支付账户充值）。 ...

Group 1 - Citigroup's Financial Services Division serves approximately 19,000 clients globally, with a daily trading volume of around $5 trillion, catering to various client types including corporations, institutional investors, and local companies [1] - The division aims to support Chinese enterprises in their overseas financing and cash management needs while providing banking services to Fortune 500 companies and other global institutions entering and developing in China [1] - Citigroup China is one of the first foreign banks to participate in trade facilitation reforms and is a direct participant in the Cross-Border Interbank Payment System (CIPS), assisting multinational corporations and Chinese enterprises with cross-border cash pooling and centralized payment solutions [1] Group 2 - Technology is identified as the core driver of business progress, with traditional financial services rapidly transforming towards 24/7 real-time and instant services [2] - Citigroup invests $1.5 billion annually in technology to support ongoing digitalization, including modernizing existing infrastructure and integrating traditional and digital financial tracks [2]

Core Insights - The CEO of a major company acknowledged that the biggest mistake made was not developing its own payment business, highlighting the complexity of this endeavor [2] Group 1 - The company recognizes the importance of having a proprietary payment system to enhance its competitive edge [2] - The CEO's admission reflects a broader industry trend where companies are increasingly focusing on integrated payment solutions [2] - The statement indicates a potential shift in strategy towards developing in-house payment capabilities to capture more market share [2]