中英对照2024非银行支付机构监督管理条例.docx

《中英对照2024非银行支付机构监督管理条例.docx》由会员分享，可在线阅读，更多相关《中英对照2024非银行支付机构监督管理条例.docx（32页珍藏版）》请在优知文库上搜索。

1、RegulationontheSupervisionand/AdministrationofNon-BankingPaymentInstitutionsDocumentNumber：OrderNo.768oftheStateCouncilofthePeoplesRepublicofChina1.evelofAuthority：AdministrativeRegulationsIssuingAuthority：StateCouncilDateIssued：12-09-2023EffectiveDate:05-01-2024Slalus:NotYeiEffectiveOrderoftheState

2、CouncilofthePeoplesRepublicofChina(No.768)TheRegulationontheSupen,isionandAdministrationofNonBankingPaymentInstitutions,asadoptedatthe19thexecutivemeetingoftheStateCouncilonNovember24,2023,isherebyissuedandshallcomeintoforceonMay1,2024.Premier:LiQiangDecember9,2023RegulationontheSupervisionandAdmini

3、strationofNonBankingPaymentInstitutionsChapterIGeneralProvisionsArticle1ThisRegulationisdevelopedinaccordancewith中华人民共和国国务院令（第768号）非银行支付机构监督管理条例已经2023年11月24日国务院第19次常务会议通过，现予公布，自2024年5月1日起施行。总理李强2023年12月9日非银行支付机构监督管理条例第一章总则第一条为了规范非银行支付机构行为，保护当事theLawofthePeoplesRepublicofChinaonthePeoples人合法权益，防范化解风险

4、，促进非银行支付行业健康发BankofChina,theE-commerceLawofthePeoplesRepublicofChina,andotherapplicablelawsforthepurposesofregulatingtheactsofnon-bankingpaymentinstitutions,protectingthelawfulrightsandinterestsof(heparties,preventingandresolvingrisks,andpromotingthesounddevelopmentofthenon-bankingpaymentindustry.Ar

5、ticle2ForthepurposesofthisRegulation,4tnon-bankingpaymentinstitution,meansalimitedliabilitycompanyorjoint-stocklimitedcompanylegallyformedwithintheterritoryofthePeoplesRepublicofChina(uwithinChina,*),excludingbankingfinancialinstitutions,whichhasobtainedapaymentbusinesspermittoengageinthepaymentbusi

6、ness,suchasthetransferofmonetaryfundsbasedonelectronicpaymentinstructionssubmittedbypayeesorpayers(users).Anon-bankinginstitutionoutsidetheterritoryofthePeoplesRepublicofChina(overseas)thatintendstoprovidecross-borderpaymentservicestodomesticusersshallformanonbankingpaymentinstitutionwithinChinainac

7、cordancewiththisRegulation,exceptasotherwiseprescribedbythestate.Article3Anon-bankingpaymentinstitutionshallprovidesen,icesinaccordancewiththeprovisionsoflawsandadministrativeregulations,followtheprinciplesofsecurity,efficiency,goodfaith,andfaircompetition,aimatprovidingsmall-amountandconvenientpaym

8、entservices,safeguardnationalfinancialsecurity,andmaynotdamagenationalinterest,publicinterest,orothers1lawfulrightsandinterests.展，根据中华人民共和国中国人民银行法、中华人民共和国电子商务法等法律，制定本条例。第二条本条例所称非银行支付机构，是指在中华人民共和国境内（以下简称境内）依法设立，除银行业金融机构外，取得支付业务许可，从事根据收款人或者付款人（以下统称用户）提交的电子支付指令转移货币资金等支付业务的有限责任公司或者股份有限公司。中华人民共和国境外（以卜.简称

9、境外）的非银行机构拟为境内用户提供跨境支付服务的，应当依照本条例规定在境内设立非银行支付机构，国家另有规定的除外。第三条非银行支付机构开展业务，应当遵守法律、行政法规的规定，遵循安全、高效、诚信和公平竞争的原则，以提供小额、便民支付服务为宗旨，维护国家金融安全，不得损害国家利益、社会公共利益和他人合法权益。Article4Thesupervisionandadministrationofnon-bankingpaymentinstitutionsshallcomplywiththeguidelines,policies,decisions,andarrangementsofthePartyan

10、dthestate,focusonservingtherealeconomy,coordinatedevelopmentandsecurity,andmaintaintheorderoffaircompetition.ThePeoplesBankofChina(PBC)shallsuperviseandadministernon-bankingpaymentinstitutionsinaccordancewiththelaw.ThebranchesofthePBCshallperformsupervisionandadministrationdutiesasauthorizedbythePBC

11、.Article5Anon-bankingpaymentinstitutionshallcomplywiththeprovisionsoncombatingmoneylaundering,financingofterrorism,telecomandonlinefraud,preventingandhandlingofillegalfundraising,andcombatinggambling,amongothers,andtakenecessarymeasurestopreventillegalandcriminalactivities.ChapterIIFormation,Modific

12、ation,andTerminationArticle 6 Theformationofanon-bankingpaymentinstitutionshallbesubjecttotheapprovalofthePBCandapaymentbusinesspermitshallbeobtained.Theword“payment“shallbeindicatedinthenameofanon-bankingpaymentinstitution.Withoutapprovalinaccordancewiththelaw,noentityorindividualmayengageinthepaym

13、entbusinessdirectlyorindisguiseorusetheword“payment“inthenameorbusinessscopeofanentity,exceptasotherwiseprescribedbyanylaw,第四条非银行支付机构的监督管理，应当贯彻落实党和国家路线方针政策、决策部署，围绕服务实体经济，统筹发展和安全，维护公平竞争秩序。中国人民银行依法对非银行支付机构实施监督管理。中国人民银行的分支机构根据中国人民银行的授权，履行监督管理职责。第五条非银行支付机构应当遵守反洗钱和反恐怖主义融资、反电信网络诈骗、防范和处置非法集资、打击赌博等规定，采取必要措施

14、防范违法犯罪活动。第二章设立、变更与终止第六条设立非银行支付机构，应当经中国人民银行批准，取得支付业务许可。非银行支付机构的名称中应当标明“支付”字样。未经依法批准，任何单位和个人不得从事或者变相从事支付业务，不得在单位名称和经营范围中使用“支付”字样，法律、行政法规和国家另有规定的除外。支付业务许administrativeregulation,orthestate.Afterthepaymentbusinesspermitisderegisteredinaccordancewiththelaw,theword“payment“maynotcontinuetobeusedinthenamea

15、ndbusinessscopeoftheinstitution.Article 7 Theformationofanon-bankingpaymentinstitutionshallcomplywiththeprovisionsoftheCompanyLawofthePeoplesRepublicofChinaandaresubjecttothefollowingconditions:(1) IthastheregisteredcapitalasrequiredbythisRegulation.(2) Itsprincipalshareholdersandactualcontrollerare

16、ingoodfinancialcondition,haveagoodintegrityrecord,andhavenorecordofanymajorviolationoflawsandregulationsinthelastthreeyears.Ifaprincipalshareholderoractualcontrollerisacompany,itsequitystructureshallbeclearandtransparent,withoutanyownershipdispute.(3) Theproposeddirectors,supervisors,andofficersarefamiliarwiththerelevantlawsandregulations,havethebusinessmanagementcapabilit