The Notice mainly clarifies the business positioning and business scope of the above six types of clearing institutions. Among them, UnionPay and Netcom are not allowed to carry out credit business without transaction background between banks, and Qinghe Rural Credit Bank, a city bank, will no longer carry out credit business that exceeds a specific member institution and exceeds 6,543.8+0,000 yuan.
"There are several clearing houses in the market. This time, the boundaries were divided and the business scope was clarified. On the one hand, clearing institutions can perform their duties and give full play to their expertise; On the other hand, market innovation is constantly developing, and the business needs of commercial banks should be fully met. " Dong Ximiao, chief researcher of Wang Xin Bank, said.
According to the 265438+20th Century Business Herald, in early July, UnionPay also issued documents to member banks for implementation, and continued to carry out UnionPay credit business in a compliant and orderly manner.
A person from the network finance department of a city commercial bank in East China said: "The credit business is the agency payment business. UnionPay and Netcom can only handle credit business with transaction background, and non-consumer inter-bank payment business is handled by the clearing center, which has little overall impact. "
The person in charge of the risk management department of a third-party payment institution believes that the above notice is mainly aimed at banks and will not affect third-party payment institutions.
Clarify the business scope of six types of clearing institutions.
Specifically, the clearing center serves banking financial institutions and financial market infrastructure, and is responsible for the payment and clearing business related to the performance of the People's Bank of China. Payment and clearing systems responsible for construction, operation, maintenance and management include: large real-time payment system (HVPS), small batch payment system (BEPS), online payment inter-bank clearing system (IBPS) and domestic foreign currency payment system (CFXPS).
Cross-border inter-bank payment and clearing limited liability company serves banking financial institutions and financial market infrastructure, is responsible for handling cross-border RMB payment and clearing business between banks, and provides fund settlement services for cross-border RMB payment and clearing business in financial market infrastructure.
The notice also stated that UnionPay and Netcom both serve banking financial institutions and non-bank payment institutions, and are responsible for the payment business between banking financial institutions and non-bank payment institutions (except for credit business without transaction background between banks).
The rural credit bank center serves small and medium-sized banking financial institutions such as rural credit cooperatives, rural cooperative banks, rural commercial banks, village banks, private banks and direct selling banks; City bank clearing serves small and medium-sized banking financial institutions such as city commercial banks, private banks, direct selling banks and village banks. Both of them are responsible for the payment business of member institutions, except for the credit business without transaction background between banks with a single amount exceeding 6,543,800 yuan.
According to the needs of business development and management, the supervision will adjust the business scope of the above clearing institutions in a timely manner.