國務院公布非銀行支付機構監督管理條例
國務院總理李強日前簽署國務院令,公布《非銀行支付機構監督管理條例》,自2024年5月1日起施行,將非銀行支付機構及其業務活動進一步納入法治化軌道進行監管,旨在促進非銀行支付行業規範健康發展,切實保護用戶合法權益,更好發揮其服務實體經濟、滿足用戶多樣化支付結算需求等作用。
一是明確非銀行支付機構的定義和設立許可。將非銀行支付機構定義為除銀行業金融機構外,根據用戶提交的電子支付指令轉移貨幣資金的公司。規定設立非銀行支付機構應當經人民銀行批准,明確設立條件並嚴把准入關。明確非銀行支付機構應當以提供小額、便民支付服務為宗旨,未經批准不得從事依法需經批准的其他業務,不得從事或者變相從事清算業務。
二是完善支付業務規則。適應支付業務發展需要,將支付業務分為儲值賬戶營運和支付交易處理兩類,並授權人行制定具體規則。明確支付業務管理要求,規定非銀行支付機構應當健全業務管理等制度,具備符合要求的業務系統、設施和技術,確保支付業務連續、安全、可溯源。明確支付賬戶、備付金、支付指令等管理規定,要求支付賬戶以用戶實名開立,非銀行支付機構不得挪用、佔用、借用備付金,不得偽造、變造支付指令,防範非銀行支付行業風險。
三是保護用戶合法權益。規定非銀行支付機構與用戶簽訂支付服務協議,其條款應當按照公平原則擬定。四是明確監管職責和法律責任。規定非銀行支付機構的監督管理應當貫徹落實黨和國家路線方針政策、決策部署,圍繞服務實體經濟,統籌發展和安全,維護公平競爭秩序。
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