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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
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  本报记者 李 冰

  2025年以来,监管部门对支付机构的严监管态势不减。据记者统计,截至4月15日,年内支付机构已累计收到26张罚单(以罚单公布日期为准)。从机构违规行为来看,违反反洗钱业务管理规定、违反特约商户管理规定、违反清算管理规定等成为监管关注的重点。

  其中,涉及两张千万元级别罚单,北京雅酷时空信息交换技术有限公司因存在交易信息设置及上送不规范、支付接口管理不规范、未落实外包管理相关规定、未按规定将手续费收入计提至特定自有资金账户等8项违规行为,被罚没共计1199.237万元;广州市汇聚支付电子科技有限公司涉及违反特约商户管理规定、违反支付账户管理规定、违反有关清算管理规定、违反有关支付机构管理规定,被监管部门罚没共计1061万元。

  仅4月份以来,就有5家支付机构领到罚单。涉及苏州市民卡有限公司(以下简称“苏州市民卡”)、快钱支付清算信息有限公司山东分公司(以下简称“快钱支付”)、上海汇付支付有限公司、杉德支付网络服务发展有限公司、迅付信息科技有限公司等机构。

  例如,央行江苏省分行行政处罚决定信息公示表显示,苏州市民卡因违反特约商户管理规定,被罚款3万元。另据央行山东省分行行政处罚信息公示表显示,快钱支付因违反清算管理规定,被罚款2万元。

  年内罚单情况一定程度上折射出支付行业监管趋势,中国银行研究院研究员吴丹对《证券日报》记者分析称,从2025年以来支付机构收到的罚单情况来看,罚单金额分化明显,体现了监管部门“精准施策、分类监管”的治理思路。下一步,监管或将针对在反洗钱、数据安全等领域存在重大合规漏洞的机构,释放“零容忍”信号、执行“双罚”和大额处罚;对操作流程等轻微违规的机构,则优先处以“容错纠错”小额罚单。

  中国(上海)自贸区研究院金融研究室主任刘斌预计,科技类信息安全和数据保护会是监管关注的领域。同时,在支付产业全链条监管中,机构尤其需要关注反洗钱、商户管理等方面的合规建设,将合规工作落实到支付业务的各流程环节,增强风控能力及科技水平。

  对于支付机构的合规发展,吴丹建议,机构需加快构建全流程合规管理体系,化监管压力为转型升级的动力,寻求合规与创新间的平衡。充分发挥金融科技赋能作用,加快建设AI算法系统实时监测交易异常,自动化生成合规报告,通过技术手段最大限度降低人为疏漏、操作风险与合规成本。此外,支付机构对内要着力构建专业化合规团队,完善跨部门沟通协作机制,培养复合型合规人才;对外需深度参与行业协会建设,与同业机构协同应对跨境支付等新兴业务领域的合规挑战。

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