促进互联互通。鼓励市场主体积极参与条码支付互联互通，全面平等开放条码受理网络和各类场景，助 力构建开放互联的移动支付产业生态，助力建设统一的国内大市场。 加强风险防范。市场主体应坚持守正创新、规范经营，充分运用大数据、人工智能等技术手段提升风险 防范水平，强化风险联防联控，不得为非法交易提供支付渠道。 倡议提出，鼓励支付创新。近年来，支付市场主体充分发挥自身禀赋优势，深刻洞悉用户和商户需求变 化，支付产品和服务创新不断涌现。鼓励市场主体在依法合规的前提下持续加大创新投入力度，结合市 场需求不断优化移动支付产品与服务，为消费者和商户提供更加便捷高效的移动支付服务。 维护公平竞争。市场主体应严格遵守《中华人民共和国反不正当竞争法》等法律法规，维护公平竞争市 场秩序。通过平等协商开展业务合作，通过产品创新和技术升级提升竞争力。不得采取屏蔽或任何形式 限制其他合法支付产品的展示。不得通过内部制度规则限制其他市场主体之间的业务合作，不得利用市 场地位妨碍移动支付市场公平竞争。 北京商报讯（记者 岳品瑜 董晗萱）12月16日，中国支付清算协会发布《关于共同推动移动支付市场规 范健康发展的倡议》。 ...

Core Viewpoint - The People's Bank of China has released the "Implementation Rules for the Supervision and Administration of Non-Bank Payment Institutions," aimed at providing a robust regulatory framework for the healthy development of payment institutions [1][2] Group 1: Regulatory Framework - The "Implementation Rules" consist of six chapters and seventy-seven articles, designed to detail the provisions of the "Regulations" for non-bank payment institutions [1] - The rules aim to strengthen the comprehensive supervision of payment institutions across all stages, including entry, business rules, and regulatory responsibilities [1][2] Group 2: Business Classification - The new classification of payment services is based on functional management principles, categorizing them into two types: stored value account operations and payment transaction processing [2] - This new classification allows for better scalability and provides more room for industry development and technological iteration, promoting fair competition [2] Group 3: Transition and Compliance - The "Implementation Rules" clarify the correspondence between old and new payment business types, allowing existing business scopes to remain unchanged while adapting to new regulations [2] - New business types can find applicable rules under the "Regulations" and "Implementation Rules," ensuring legal compliance [2]

Core Viewpoint - Shenzhen Shengdijia Payment Co., Ltd. has been listed as a "defendant" in a legal case with an execution amount of 16,883,702 yuan, alongside three other companies under the Shengdijia Group [1][2]. Group 1: Legal Issues - The case number is "(2025)粤0305执11221号" and the executing court is the Shenzhen Nanshan District People's Court [1]. - Other companies listed as defendants include Shenzhen Shengdijia Land Co., Ltd., Shenzhen Shengdijia Real Estate Development Co., Ltd., and Guangdong Shengdijia Group Co., Ltd., all with the same execution amount [2]. - Guangdong Shengdijia Group Co., Ltd. is the controlling entity of the other three companies [2]. Group 2: Company Background - Shengdijia Payment was established in 2013 with a registered capital of 100 million yuan and is a professional service platform focused on financial payment under Shengdijia Group [2]. - The company holds both internet payment and bank card collection licenses, making it one of the few in China with such qualifications [3]. Group 3: Regulatory Penalties - In 2025, Shengdijia Payment faced penalties from the People's Bank of China for violations, with fines exceeding 10 million yuan [3]. - Specific violations included breaches of merchant management regulations, clearing management regulations, and customer identity verification obligations [5]. - The total fines imposed by the Shenzhen branch of the People's Bank of China amounted to 737,000 yuan and 324,000 yuan for various infractions [5].

Core Points - Shenzhen Shengdijia Payment Co., Ltd. has been listed as a "defendant" in a court case with an execution amount of 16,883,702 yuan [1] - The company is part of a group that includes three other companies, all controlled by Guangdong Shengdijia Group Co., Ltd. [1] - The company has faced regulatory scrutiny, including a fine exceeding 10 million yuan for violations [2] Company Overview - Shengdijia Payment was established in 2013 with a registered capital of 100 million yuan, focusing on financial payment services [1] - The company holds both internet payment and bank card acquiring licenses, making it one of the few in China with such credentials [1] Regulatory Issues - The People's Bank of China (PBOC) has issued an administrative penalty against Shengdijia Payment for five violations, including improper merchant management and failure to conduct customer identity verification [3] - The penalties included a warning, confiscation of illegal gains amounting to 26,700 yuan, and fines totaling 7.37 million yuan [4] - On March 25, additional fines of 3.24 million yuan were imposed for multiple violations, including issues related to outsourcing and transactions with unidentified clients [4]

Core Insights - Alipay's "Tap to Pay" has surpassed 100 million users, indicating a significant shift in the mobile payment landscape in China [1][8] - The emergence of "Tap to Pay" suggests a potential resurgence of NFC technology in a market previously dominated by barcode payments [1][5] Group 1: Payment Technology Comparison - Mobile payment technology has evolved into two main routes: NFC payments and barcode payments, with NFC pioneered by Apple Pay and barcode payments led by Alipay [1][2] - NFC payments offer a simpler user experience, requiring minimal actions for transactions, while barcode payments involve more steps, making them less user-friendly for certain demographics [2][3] - "Tap to Pay" combines the simplicity of NFC payments with the underlying technology of barcode payments, creating a hybrid model [5][12] Group 2: Market Dynamics and User Adoption - The rapid adoption of "Tap to Pay" is facilitated by Alipay's existing user base of nearly 900 million, which enhances trust and reduces barriers to entry for new users [8][11] - The integration of "Tap to Pay" into existing merchant systems is low-cost, as Alipay provides the necessary NFC devices for free, encouraging merchant participation [8][9] - The competitive landscape may shift as other payment providers like WeChat Pay and UnionPay respond to Alipay's new offering, potentially leading to a more fragmented market with multiple payment devices at merchant locations [11][12] Group 3: Future Implications and Ecosystem Development - The introduction of "Tap to Pay" is expected to catalyze new business models and consumer habits, similar to past innovations in the payment industry [10][12] - The new payment method could serve as a gateway for merchants to enhance customer engagement and operational efficiency, expanding beyond mere transactions [9][13] - The potential for a new industry ecosystem around "Tap to Pay" includes opportunities for service providers and hardware manufacturers to innovate and capture market share [13]