人行公布非銀行支付機構客戶備付金辦法 機構間不得相互直接開放支付業務接口
人民銀行公布,為加強客戶備付金監管,切實保障消費者合法權益,人行於近日發布了《非銀行支付機構客戶備付金存管辦法》),自今年3月1日起正式施行,《支付機構客戶備付金存管辦法》同時廢止。
《辦法》規範了備付金集中交存後的客戶備付金集中存管業務,進一步細化了備付金存放、使用、劃轉規定,明確了人行及其分支機構、清算機構、備付金銀行相應備付金管理職責,設定了客戶備付金違規行為處罰標准,強化客戶備付金監管,促進行業健康發展。《辦法》自施行起設置6個月過渡期。過渡期內,非銀行支付機構、商業銀行等行業主體應嚴格按照規定,完成業務流程和系統改造、建立客戶備付金信息核對校驗機制等工作。
人行指,《辦法》規定,支付機構之間的合作應當符合人行有關規定,支付機構之間因合作產生的、基於真實交易的客戶備付金劃轉應當通過清算機構辦理,支付機構應當提供交易流水、收付款人信息等表明交易實際發生的材料。同時,為提高交易透明度,防範資金風險,明確規定支付機構間不得相互直接開放支付業務接口、不得相互開立支付賬戶,以及由此進行客戶備付金劃轉。
就《非銀行支付機構客戶備付金存管辦法》中對跨境人民幣支付、基金銷售支付和跨境外匯支付賬戶的規定方面,人行指《辦法》在前期《中國人民銀行辦公廳關於支付機構客戶備付金全部集中交存有關事宜的通知基礎上,充分考慮市場機構訴求,優化了三類特定業務賬戶管理規定。
開展跨境人民幣支付業務的支付機構,可以選擇1家滿足要求的商業銀行開立1個跨境人民幣支付業務待結算資金專用存款賬戶,確有特殊需要的,可以再選擇1家滿足要求的商業銀行開立1個跨境人民幣支付業務待結算資金專用存款賬戶作為備用賬戶。
從事基金銷售支付業務的支付機構,可在滿足要求的商業銀行開立1個基金銷售支付業務待結算資金專用存款賬戶;開展跨境外匯支付業務的支付機構,原則上可以選擇不超過2家滿足要求的商業銀行,每家銀行可開立1個跨境外匯支付業務待結算資金專用存款賬戶。
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