The result is released! Three stories behind the payment license
Original title: 3 batch of 27 payment licenses "second renewal" resulting from the story behind the payment license is released! The central bank recently announced that the payment licenses for payment, payment, UnionPay business, Lakara, etc., valid until May 2, 2026. In addition, the three payboards of UnionPay Business have been integrated with their integration, and submitted to the People’s Bank of China submitted the termination of renewal review applications.
The reporter learned that in January 2021, the central bank issued the "Non-bank payment institution (Draft for Comment)" (hereinafter referred to as "Regulations)), and" the same actual controller must not control two and more non-bank payment institutions ".
Experts said that in recent years, the payment institutions with partial compliance and weak operating capacity have not been renewed, and the number of payment business licenses has gradually decreased, and the industry development environment is continuously purified.
As a result of the leading and trading of the service market, UnionPay Business is the first to implement the "Ordinance". 24 licensed second-year renewal central bank announced the first batch of 27 payment licensed exhibition results showed that TenPay, Alipay, La Kara, Tonglian payment, Yinsheng payment, payment, payment, Yisheng payment, fast money payment, etc. 24 is successful, and the validity period is extended to May 2026.
It is reported that in May 2011, the central bank’s first payment business license for Alipay, UnionPay Business, and TenPay, etc. In May 2016, the first batch of 27 payment licenses were previously approved by the central bank, and the valid period was extended to 2021.
This time is the second renewal of the first batch of payment licenses.
The reporter noted that the People’s Bank of China has continued to renew the "payment business license", comprehensive evaluation of the overall operational robustness and compliance of non-bank payment institutions, and the operation capacity of payment, risk prevention and control, customer rights protection Ability, sustainability, etc.
If the payment agency has been unresur the industry during the duration of the license, or the payment business has contracted atrophy or even has stopped a period of time, or there is a major illegal violation. The compliance business awareness, and the wind control level need to be focused. The People’s Bank will conduct a review of the institutions to conduct a review of the institutions to continue to have the qualifications of business operations, and the payment business has sustainable development capabilities, and the decision decision decisions will be prudent to promote the market cleanup and rectification and purify the industry development environment.
Zhou Yingjiang Chief Researcher, Dadu University Financial Research Institute, Director, Director, told the International Finance News, payment business license, is the ability to pay for payment agencies to continue to have payment business, whether or not to have sustainable development capabilities It is an important task to strengthen the supervision of payment institutions.
In recent years, the payment institutions with poor compliance and weak operating capacity have not been renewed, and the number of payment business licenses has gradually decreased, and the industry development environment has been continuously purified. Three licenses were suspended in 24 institutions that were suspended in 24, and there were three qualifications of payment institutions, with the largest change in the resumption of information Technology Co., Ltd. (hereinafter referred to as "Wong Xun Payment"). In this renewal, the original Internet payment, mobile phone payment, and fixed telephone payment qualifications are canceled.
Huanxun pays a local payment institution, which can only carry out bank card acquiring services in Jiangsu Province, Zhejiang Province, Shandong Province, Fujian Province, Tianjin. The veteran analyst of the payment industry said to the "International Financial News" reporter, "considering that the loan to pay the cancellation of the cancellation of the Internet, it is not likely to be active cancellation behavior.
A few years ago, the ring payment penalty is more frequent, and it is not excluded that the central bank is logged out of part of the business. "In addition, Guangzhou UnionPay Network Payment Co., Ltd. (hereinafter referred to as" Guangzhou UnionPay "), Beijing Digital Wangfujing Technology Co., Ltd. (hereinafter referred to as" Wangfujing Technology "), Beijing Union Federation Business Co., Ltd. (hereinafter referred to as" Beijing UnionPay ") The controlling shareholder UnionPay Business Co., Ltd. (hereinafter referred to as "UnionPay Business") has carried out integrated work, submitted to the People’s Bank of China, and continued its business during the suspension of the review.
The "Regulations" stipulate that "the same legal person must not hold two or more non-bank payment institutions", "the same actual controller may not control two and more non-bank payment institutions."
The sky-eyed information shows that UnionPay business holds Guangzhou UnionPay, Wangfujing Technology, Beijing UnionPay equity ratio is 100%, 60% and% respectively.
Wang Pengbo pointed out that from this renewal result, the central bank has been in accordance with the relevant requirements and principles of the Non-bank payment institution (Draft for Comments) ". Although the "Regulations" have not yet been officially introduced, the UnionPay business is the leading integration in the payment service market leader.
Guangzhou UnionPay, Wangfujing Technology, Beijing UnionPay application suspension of renewal examination, is the necessary measures adopted by UnionPay Business in accordance with regulatory requirements, and is the implementation of the "Ordinance" for the specific initiatives of the payment institution shareholders. "At present, these three institutions are still in the administrative license to continue to expose, and can continue to work properly, and there is no substantial impact on existing merchants and stock businesses.
Dong Xi said that from the long run, this for the 3 institutions will have a positive impact. Because the 3 institutions’ payment business licenses are only their own partial types of regional payment services, but Its Holding Company UnionPay business has a national payment business qualification license to cover bank card receipt, Internet payment, mobile phone payment, prepaid card acceptance and other services.
Can’t renew, the reporter learned that in 6 cases, the license limit is "one vote", such as outsourcing of payment business core system, or lacking the necessary backup equipment (including but not limited to core network devices, application servers, Database server, etc.); there is a large risk vulnerability in payment business systems, causing personal sensitive information leaks, resulting in large losses or social impact; due to payment services, payment services, and causing greater economy or social impact. In addition, the three-party payment card is also "11 red lines": As of the date of the application, the accumulated loss exceeds 50% of the payment of monetary capital; it has been licensed or all payment services have not been carried out, or continuously stop more than 2 years Occupational, misappropriation, borrowing customer prepare for payment; there is a transfer or change transfer, rental, lending a "payment business license"; exceeding the approved scope is engaged in payment services; The means deliberately avoid regulatory requirements, or maliciously refused, hindering the inspection and supervision; apply for the "payment business license" by deception, etc.; Received criminal punishment or large amount of administrative punishment; there is a major defect in the safety and risk monitoring of business facilities, or there is a large-scale theft, sell, leak, loss customer information situation; violation of anti-money laundering law, plot Particularly serious; there are other major burst risk events, or many exposed major risk hazards cause harsh impact.
According to statistics, as of now, the central bank has increased to 39 payments, and the latest payment license is 232.
If the central bank completed the test of Guangzhou UnionPay, Wangfujing Technology, Beijing UnionPay, the canceled payment license will increase to 42, and the number of remaining licenses in the payment industry is 229. In the 39 payment licenses that have been disclosed, 34 injections are involved in prepaid card issuance and acceptance, with only a few cards to be logged out of business integration, and the remaining is actively logged out or will not be renewed.
Wang Pengbo pointed out that if there is a problem with the payment organization of prepaid card issuance and acceptance business, it is often caused by a large social impact because of the number of users involving the number of users, resulting in serious consequences. In the process of business development, if there is an unprecedented business that emphasizes in the central bank’s "renewal", significant risk events, the next payment card will inevitably pass. (Editor: Yan Yuan, Han Qing).