支付宝、微信支付等非银行支付迎新规，实施后会有何影响？

澎湃新闻04-23

4月22日，中国人民银行发布消息，为保障《非银行支付机构监督管理条例》（以下简称《条例》）落地实施，央行起草了《非银行支付机构监督管理条例实施细则（征求意见稿）》（以下简称《实施细则》）。央行表示，《条例》是中央金融工作会议之后出台的金融领域首部行政法规。为适应行业发展变化，《条例》将支付业务重新划分为储值账户运营和支付交易处理两类，但具体分类方式、新旧支付业务对应关系等仍有待明确，有必要制定《...

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implementation?","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"80700":0.6,"89988":0.6,"09988":1,"TCEHY":1,"BABA":1,"00700":1},"content_text":"4月22日，中国人民银行发布消息，为保障《非银行支付机构监督管理条例》（以下简称《条例》）落地实施，央行起草了《非银行支付机构监督管理条例实施细则（征求意见稿）》（以下简称《实施细则》）。央行表示，《条例》是中央金融工作会议之后出台的金融领域首部行政法规。为适应行业发展变化，《条例》将支付业务重新划分为储值账户运营和支付交易处理两类，但具体分类方式、新旧支付业务对应关系等仍有待明确，有必要制定《实施细则》，明确过渡期安排、新旧支付业务衔接方式等，推动非银行支付市场平稳过渡。\n\n　　非银支付，就是指不通过银行而是通过其他机构提供的支付服务，比如用微信、支付宝等软件进行扫码付款或者转账。中国人民银行相关数据显示，近年来，支付机构业务量快速增长，当前非银支付机构年交易量超1万亿笔、金额近400万亿元，服务超10亿个人和数千万商户，与此同时，支付业务与人民群众财产安全息息相关，《条例》及《实施细则》将督促各支付机构依法合规开展业务，保护用户合法权益。\n　　《实施细则》将对支付机构影响几何？\n　　记者了解到，《实施细则》制定过程中，央行充分评估有关条款对支付机构经营发展和支付服务市场影响，给予存量支付机构较为充足的过渡期限。与此同时，确保同一许可事项适用同一审查标准，推动支付机构行政许可工作公开透明、依据充分、流程规范。\n　　对支付机构影响主要体现在以下几个方面：\n　　一是坚持依法行政。《实施细则》严格按照《条例》设置的行政许可事项，细化相关工作要求和具体办理流程，推动支付机构行政许可工作公开透明、依据充分、流程规范。同时，适当下放部分支付机构变更事项审批权限，更好营造法治化营商环境。\n　　二是坚持稳中求进。《实施细则》保持与前期监管工作的连续性与宏观政策取向的一致性，明确新旧支付业务衔接方式，设置了较为充足的过渡期，机构换证过渡期最长可达近5年，确保存量支付机构平稳过渡，不改变原有支付业务许可范围。\n　　三是坚持规范与发展并重。《实施细则》统筹发展与安全，根据支付市场快速发展实践，在充分沟通基础上合理适度提高注册资本和净资产要求，提升支付机构风险防御能力，强化公司治理和稳健经营，更好服务实体经济。\n　　从1亿元到4亿元，注册资本最低限额附加值等细节明确\n　　对于市场关注度较高的注册资本要求，根据《条例》第八条，非银支付机构注册资本最低限额在人民币1亿元基础上，并按相关规则附加提高。具体来看，同时从事上述两种以上业务类型的，注册资本最低限额附加值根据业务类型和经营地域范围，按照本条第一款第一项至第四项规定加总计算。这意味着，对于在全国展业的、全牌照的支付机构该最低限额为人民币4亿元。\n\n股市回暖，抄底炒股先开户！智能定投、条件单、个股雷达……送给你>>\n\n\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：何松琳","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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