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The reporter learned from the Hefei Central Branch of the People's Bank of China that the above-mentioned risk incidents are the chaos of unlicensed business payment business, and they are also the Internet finance risk remediation of non-banks in our province. The focus of remediation in the payment field.
Since 2011, the People's Bank of China has promoted the rapid development of the payment service market, improved the service quality and efficiency of the payment industry, established a business license and supervision system for non-bank payment institutions, and issued business access licenses for qualified institutions. Alipay is familiar to everyone. Tenpay is the institution that obtains formal licenses in this way. Up to now, there are 8 legal person payment agencies in Anhui Province, ranking first in the central region.
Seriously disrupting market operation order
Under the impetus of banking institutions and non-bank payment institutions, the payment market in Anhui Province has flourished, but some unlicensed business payment business institutions have been recruited, posing as licensed institutions, falsely propagating and deceiving merchants and consumers. Although the financial losses of individual events are small, However, the number of merchants and consumers involved is large, and the accumulated amount is large, which seriously affects the public's confidence in payment instruments and is extremely harmful. In particular, unlicensed institutions have adopted unfair methods to carry out marketing activities, seriously disrupting the market operation order, squeezing the market space of formal institutions, causing the adverse effects of “bad money to expel good money†and seriously disrupting the market operation order.
Take a "short and fast" type of cleanup
In 2016, the Hefei Central Sub-branch of the People's Bank of China, under the deployment of the Internet Finance Risk Remediation Leading Group of Anhui Province, decisively made a heavy punch and took a “short-fast†clean-up attack on unlicensed institutions. After close cooperation with relevant departments in the province in the early stage, we actively contacted banking institutions and non-bank payment institutions, concentrated on combing complaints, reporting clues, visiting merchants to verify the situation, verifying evidence, and grasping the evidence of unlicensed business operations. jobs.
At present, the risk remediation work of non-bank payment institutions has been turned into a stage of clean-up and rectification. The Hefei Central Sub-branch of the People's Bank of China has issued an opinion on the administrative certification of unlicensed business payment services for undocumented institutions with clear facts, and will formulate clean-up and remediation plans on a case-by-case basis. The classification adopts remediation measures. If the business has basically shrunk and there is no risk event beyond a certain period of time, and the social harm is relatively minor, it is allowed to rectify it. Unlicensed institutions that are not in place for rectification within the time limit and whose business scale is large and do not cooperate with the actions of the regulatory authorities will jointly revoke their business licenses and transfer them to the public security and judicial departments.
“In March this year, customers came to the store to spend 13,000 yuan on credit cards. Today, they have not received the account.†Mr. Zhang, who is engaged in the wholesale industry, complained to reporters. “At the time, I thought that I could quickly use a pos machine and listen to the salesman’s promotion. Their family's pos machine rate is low, and they don't see if the other party has a formal license to buy a machine. Even the contract has not been signed. At the beginning, it is still good, suddenly the card is not credited, and then go to the phone. Then, people can't find it."