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人行公布非银行支付机构客户备付金办法 机构间不得相互直接开放支付业务接口
阿思达克 01-22 17:25
人民银行公布,为加强客户备付金监管,切实保障消费者合法权益,人行於近日发布了《非银行支付机构客户备付金存管办法》),自今年3月1日起正式施行,《支付机构客户备付金存管办法》同时废止。

《办法》规范了备付金集中交存後的客户备付金集中存管业务,进一步细化了备付金存放、使用、划转规定,明确了人行及其分支机构、清算机构、备付金银行相应备付金管理职责,设定了客户备付金违规行为处罚标准,强化客户备付金监管,促进行业健康发展。《办法》自施行起设置6个月过渡期。过渡期内,非银行支付机构、商业银行等行业主体应严格按照规定,完成业务流程和系统改造、建立客户备付金信息核对校验机制等工作。

人行指,《办法》规定,支付机构之间的合作应当符合人行有关规定,支付机构之间因合作产生的、基於真实交易的客户备付金划转应当通过清算机构办理,支付机构应当提供交易流水、收付款人信息等表明交易实际发生的材料。同时,为提高交易透明度,防范资金风险,明确规定支付机构间不得相互直接开放支付业务接口、不得相互开立支付账户,以及由此进行客户备付金划转。

就《非银行支付机构客户备付金存管办法》中对跨境人民币支付、基金销售支付和跨境外汇支付账户的规定方面,人行指《办法》在前期《中国人民银行办公厅关於支付机构客户备付金全部集中交存有关事宜的通知基础上,充分考虑市场机构诉求,优化了三类特定业务账户管理规定。

开展跨境人民币支付业务的支付机构,可以选择1家满足要求的商业银行开立1个跨境人民币支付业务待结算资金专用存款账户,确有特殊需要的,可以再选择1家满足要求的商业银行开立1个跨境人民币支付业务待结算资金专用存款账户作为备用账户。

从事基金销售支付业务的支付机构,可在满足要求的商业银行开立1个基金销售支付业务待结算资金专用存款账户;开展跨境外汇支付业务的支付机构,原则上可以选择不超过2家满足要求的商业银行,每家银行可开立1个跨境外汇支付业务待结算资金专用存款账户。

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