On September 30th, the People's Bank of China issued the Measures for the Administration of Credit Information Business, which will take effect on June 5438+1 October1day, 2022.
The Measures for the Administration of Credit Information Business focuses on compliance management in the whole process of collection, collation, preservation, processing and provision of credit information and information security, focusing on defining the boundaries of credit information business and strengthening the protection of the rights and interests of information subjects.
The central bank issued guidance on personal bank account services.
On September 30th, the People's Bank of China issued the Guiding Opinions of the People's Bank of China on Doing a Good Job in Personal Bank Account Services for Floating Employment Groups.
The Guiding Opinions encourages banks to adopt differentiated customer due diligence methods. Banks should follow the principle of "risk-oriented" to determine the specific methods of customer due diligence, optimize the account opening process on the basis of "knowing your customer" and provide convenience for customers to open accounts. Do not ask customers to provide auxiliary identification materials across the board, and do not ask customers unreasonable or beyond the necessary limits of identity verification.
Several Key Points of China Payment and Clearing Forum
The China Payment and Clearing Forum held by China Payment and Clearing Association every year is a good platform to understand the latest payment supervision policies, especially the speech made by Fan Yifei, vice governor of the People's Bank of China, which is worth studying repeatedly. Combined with the current payment market situation, there are regulatory norms and market guidelines.
For payment, this strong regulatory industry understands policies and understands the market. So today let's review some points that I think are more important.
Another payment institution received tens of millions of fines.
On September 27th, Tianjin Branch of the People's Bank of China issued an administrative penalty information publicity form, which showed that Zhonghui Electronic Payment Co., Ltd. was fined13.99 million yuan for violating laws and regulations related to bank card acquiring business.
Zhonghui Payment is a frequent visitor on the penalty list of China People's Bank. According to the statistics of mobile payment network, from 20 16 to now, Zhonghui has been fined 17 times, and the amount of fines ranged from 30,000 to 7 10/0,000. This time, Zhonghui paid a one-time fine of 6.5438+0.399 million yuan, which was quite severe.
Another company voluntarily terminated the payment business.
On September 27th, Guangxi Tongfeng Business Service Co., Ltd., the parent company of Guangxi Tonghui Card, announced the termination of payment business.
According to the announcement, the payment business license of Guangxi Tenpay will be valid until June 26, 2022, and will not be renewed after the expiration, so the payment business will be stopped. From 20021,10, Guangxi Tenpay stopped selling, recharging and replacing the products of Tonghui Card, and the existing card has a three-year renewal period.
Major update! Huawei pays for this.
10/4 According to the report of china securities journal, Huawei Payment has started to test the water, and the application scenario is Huawei Developers Conference 202 1 ticketing.
According to reports, during the event, tickets for Huawei Developer Conference 202 1 (together) will be scanned and paid in "Huawei Wallet", and tickets will be purchased in "Huawei in-app payment cashier" with a bank card supported by "Huawei Payment".
Alipay official announcement: mutual recognition with China UnionPay fast scan code
10 On June 2nd, Alipay announced the progress of interconnection with China UnionPay. At present, 85% of Taobao stores have supported consumers to pay through China UnionPay.
In addition, mutual recognition of payment codes has been achieved in Beijing, Tianjin, Guangzhou, Shenzhen, Chengdu, Chongqing and Xi 'an, and it is planned to cover all cities in China in March next year.
Official announcement of WeChat payment: progress in interconnection with China UnionPay Express
According to the statement, Tencent WeChat Payment is promoting deeper interconnection with UnionPay China UnionPay Express in terms of payment and service.
UnionPay and Networked released the transaction data for the first three days of the National Day.
On the 4th, China UnionPay and the online clearing platform announced the financial consumption data of the first three days of the National Day holiday.
65438+1October1-65438+1October 3, the online platform * * * handled 6.09 billion online payment transactions between capital institutions, amounting to 3.29 trillion yuan. The online transaction amount of UnionPay reached 1. 1.7 trillion yuan, and the number of transactions reached 21.49 billion.
Guangxi and Ningxia Financial Science and Technology Innovation and Application Publicity
On September 29, the second batch of innovative application projects of Guangxi financial technology innovation supervision tools was publicized.
A few days before the second batch of publicity in Guangxi, on September 25th, the first batch of two financial technology innovation supervision tools were applied in Ningxia.
Fujian's first batch of financial technology innovation application publicity
On September 28th, the innovative application of the first batch of financial technology innovation supervision tools in Fujian Province was made public.
Up to now, there are 12 1 innovation applications in several pilot areas, among which 1 14 innovation applicants include banks, and the participation rate of banks is 94.438+0%.
The innovative application of financial technology in Beijing and Shenzhen has been tested.
On September 28th, the supervision working groups of financial technology innovation in Beijing and Shenzhen announced that three innovative applications and 1 innovative applications had been tested respectively.
According to the requirements of the Test Specification for Innovative Application of Financial Technology, innovative application testing institutions should apply for the end of the test after the comprehensive evaluation is completed, before they can be popularized and applied to the outside world.
Gold Standard Committee Announces Winner List of Financial Standardization Project in 2020
On September 23rd, the National Technical Committee for Financial Standardization issued the Notice on Announcing the Winner List of Key Research Projects of Financial Standardization in 2020.
The notice said that the key research topic of financial standardization in 2020 has been successfully concluded. After review by the expert group, 4 first prizes, 5 second prizes, 9 third prizes and 32 excellent prizes were selected.
Guangzhou Metro 18 Line supports brushing your face.
On September 28th, Guangzhou Metro 18 Line was officially put into operation. It is worth noting that all gates on 18 line are face recognition gates, which support all gates of tickets, QR codes and faces.
The 18 line is provided by Lu Shenshi, a provider of Du Jia technology and 3D vision full-stack technology.
Ali is a number of apps connected to WeChat payment.
Recently, a number of apps under Alibaba have supported WeChat payment, including Hungry, Youku, Barley, Koala Sea Purchase, Book Banner and so on. In addition, it is reported that apps such as Taote, Free Fish and Box Horse have also applied for access to WeChat payment and are waiting for WeChat review.
In this regard, the relevant person in charge of Alibaba Group said: "The news that Alibaba's applications have been connected to WeChat payment is true. Alibaba firmly believes that sharing, connectivity and openness are the foundation of a healthy digital ecology. We will continue to cooperate with other platforms, face the future and move in the opposite direction. "
Lianlian International Vietnam Collection Station was officially launched.
On September 26th, Lianlian International announced that its Vietnam collection station was officially launched. Through cooperation with local financial institutions, * * * will provide compliant, simple and fast cross-border payment services for cross-border e-commerce sellers in Vietnam.
In the past few years, with its solid and powerful basic capabilities in compliance, risk control and technology, Lianlian International has continuously innovated product solutions from the customer demand side, helping more than 700,000 cross-border e-commerce enterprises to recover the accounts of foreign e-commerce platforms safely and efficiently.
Fu You paid for the listing consultation.
On September 23rd, Shanghai Supervision Bureau of China Securities Regulatory Commission issued the Basic Information Form for Counseling and Filing of Shanghai Fu You Payment Service Co., Ltd., and Fu You Payment will be listed under the guidance of Guo Jin Securities Co., Ltd.
Since then, another payment company has embarked on the road of listing after continuing the UnionPay business, repeatedly counting, collecting money and ping pong.