The central bank defines the key points of payment supervision in 2022, and all platform enterprises should pay attention to clearing risks

2022 year 4 month 7 Japan , Held by the people's Bank of China 2022 Video Conference on annual payment and settlement work . The meeting summed up 2021 Achievements of payment and settlement work since , In depth analysis of the current situation and challenges , And then 2022 Make arrangements for key tasks in .

The meeting held that ,2021 Since then , The people's Bank of China is involved in gambling and settlement system fraud “ Capital chain ” Governance has achieved remarkable results , The dual cycle payment support system will be accelerated and improved ; Focus on the real economy and people's livelihood needs , Solve the worries of the masses 、 Bail out enterprises , The quality and efficiency of payment services continue to improve ; Further promote the normalization of strict supervision , The order of the payment market is constantly standardized ; Balance safety and efficiency , Stable operation of payment infrastructure , The development of the clearing market has become increasingly standardized and orderly , The circulation of social funds is smooth and efficient .

The meeting demanded , In the next stage, we should adhere to the principle of stability , Ensure the safe and continuous operation of payment business , Strengthen the risk defense line of Payment institutions ; To service the overall deployment ,  Strengthen the supervision of payment business of platform enterprises according to law , Systematically promote cross-border gambling 、 Telecommunications network fraud and illegal payment activities “ Capital chain ” government , Improve the construction of payment system  ; We should focus on the expectations of the masses , Continuously optimize bank account services , Continue to consolidate the results of payment and fee reduction , Steadily improve the level of payment inclusion , Further improve the service and management of central bank accounts .

Promote cross-border gambling 、 Telecommunications network fraud and illegal payment activities “ Capital chain ” Governance is imperative , For many platform enterprises , Compliance with payment regulatory requirements is the core issue of primary attention . The so-called compliance with payment regulatory requirements is payment compliance , The payment compliance problems of most platform enterprises are often accompanied by “ Second Qing Dynasty ” risk .

as everyone knows , If the platform enterprise does not hold 《 Payment business license 》 Words , It is not allowed to engage in fund settlement business , If the platform collects the user's funds and then settles them to the merchant , Will be suspected “ Second Qing Dynasty ”.“ Second Qing Dynasty ” There are great risks , For example, after forming a capital pool , The platform failed to resist the temptation to misappropriate funds or run away , It will cause damage to the interests of a large number of merchants and users , And this part of the transaction funds are separated from the regulatory system , Regulators cannot obtain a complete trading chain , It brings difficulties to capital supervision , At the same time, the authenticity of the transaction information provided by the platform cannot be guaranteed , There may be forgery 、 Alter transaction information , Obtaining funds from merchants and users , The real path of hiding funds , Helping the transfer of illegal funds .

Platform enterprises avoid “ Second Qing Dynasty ” There are two ways ：

firstly , Acquisition of payment licenses , In order to meet the requirements of payment supervision on merchant capital clearing , But the price of the license plate is often hundreds of millions , Generally, without a platform with strong economic strength, it is difficult for enterprises to bear such huge cost pressure .

second , Choose to cooperate with Sub Ledger service providers , Separate account system is used to realize the purpose of separating the self owned funds of the platform from the funds of merchants .

When platform enterprises select Sub Ledger system service providers , The compliance of the sub ledger system needs to be carefully considered . Because there are many Sub Ledger service providers in the market under the banner of compliance , In fact, it's just a change of concept , Use the method of payment transfer to manage funds , This approach does not have the elements of compliance , Nor is it recognized by regulators . that , How to judge whether the system is compliant ？ It's very simple , Just look at whether the system is deployed on the server of a bank or a third-party payment institution , Whether it has storage capacity , It can ensure the penetrating collection and management of funds .

Next , The central bank will certainly strengthen payment Supervision , Platform enterprises from all walks of life should put an end to violations of laws and regulations from their own , If necessary, seek MallBook With the help of the compliance Sub Ledger service provider , Really effectively avoid “ Second Qing Dynasty ” risk , Because only compliance is the lifeline of platform development .