Standardization work in the area of ​​acquiring is still in progress.

As of December 4, according to the incomplete statistics of the "Securities Daily" reporter, the latest news from the China Payment and Clearing Association (hereinafter referred to as the "Payment and Clearing Association") shows that there are 60 acquiring outsourcing institutions that have canceled their filings.

　　Prior to this, on November 15, the Payment and Clearing Association had just released the rating grades of the 2021 acquiring and outsourcing service agencies; referred to as the “Notice”).

　　The industry generally believes that, judging from a series of actions by the Payment and Clearing Association, strict supervision of acquiring outsourcing is coming.

The acquiring outsourcing market is an extension and an important supplement of the acquiring market. Its healthy development will help improve the efficiency of payment services, avoid more chaos, and protect the rights and interests of consumers.

　　The examination consists of 7 parts and 22 questions

　　The so-called "acquiring outsourcing service agency" refers to a legally established institution, such as an enterprise that accepts the entrustment of an acquiring agency, undertakes non-core business of acquiring and provides corresponding services, approved by the market regulatory agency or the relevant state authority.

Its business types include aggregated payment technical services, special merchant recommendation, acceptance sign posting, special merchant maintenance, acceptance terminal deployment and maintenance, etc.

　　Since the beginning of this year, the list of acquirer outsourcing institutions that have canceled their filing is increasing.

As of December 4, 60 acquiring outsourcing agencies have canceled their filings, and the filing status is displayed as invalid.

In addition, the word ST was noted in the filing names of another 59 institutions, and the filing status was displayed as a planned cancellation status.

　　As of December 4, according to the incomplete statistics of the "Securities Daily" reporter, 14,922 acquiring and outsourcing service agencies have passed the record, including 481 aggregation payment agencies.

　　According to Wang Pengbo, a senior analyst at Broadcom Analytics, canceling the filing is a necessary measure for the Payment and Clearing Association to further strengthen the self-discipline management of the payment and clearing industry, standardize the order of the acquiring outsourcing service market, and prevent business risks.

"Previously, there was a certain amount of chaos in the acquiring and outsourcing institutions, and it is very necessary to manage and file according to laws and regulations."

　　In addition, the off-site self-discipline inspection of acquiring and outsourcing service agencies in 2022 has also started. The "Notice" shows that the inspection content of the Payment and Clearing Association includes basic situation, cooperation situation, filing situation, rating situation, business development situation, aggregation payment, and other matters There are a total of 22 questions in 7 sections.

　　Among them, in terms of on-site inspections, the Payment and Clearing Association will select some units to conduct on-site inspections and verifications based on off-site inspections and combined with self-discipline management needs and epidemic prevention and control requirements.

In terms of self-discipline, the Payment and Clearing Association will take self-discipline measures against relevant institutions based on the problems found in off-site inspections, including but not limited to inclusion in annual scoring management, adjustment of rating levels, and interviews with senior executives. Record qualification.

　　Strict regulations will continue

　　In recent years, my country's acquiring market has developed rapidly, and its scale has continued to expand. Most acquiring institutions carry out acquiring business through business outsourcing.

In order to standardize and manage the acquiring outsourcing market, in August 2020, the Payment and Clearing Association issued the "Acquiring and Outsourcing Service Institutions Record Management Measures", and the acquiring and outsourcing service agencies officially launched the filing system; in January 2022, the Payment and Clearing Association issued the "Acquiring The Self-Regulations for Outsourcing Service Institutions (hereinafter referred to as the "Standards") will come into effect on May 1, 2022.

　　Since the beginning of this year, the Payment and Clearing Association has been tightening its supervision on acquirers.

On November 15, the Payment and Clearing Association released the 2021 annual rating of acquiring outsourcing service agencies, showing that a total of 143 acquiring agencies, including banks and non-bank payment institutions, have evaluated 9,588 outsourcing agencies in this rating, and participated in the evaluation. The number of outsourcing institutions increased by 7.42% compared with the previous year, and a total of 7,293 outsourcing institutions were rated C and above, accounting for 76.06%.

　　According to the rating results over the years, from 2017 to 2020, a total of 117 institutions participated in the evaluation and received grade B or above.

In 2020, there are 285 outsourcing institutions rated E, and the market exit rate reached 98.60%, which promoted the market clearance of institutions with poor qualifications.

　　Yu Baicheng, president of Zero One Research Institute, told the reporter of Securities Daily, “The filing management of acquiring outsourcing service agencies is an important measure for the Association to strengthen the self-discipline management of the payment industry, and it is also the starting point for the Association to strengthen the self-discipline management of the acquiring outsourcing service business. The implementation of the "Standards" this year heralds the arrival of the era of strict supervision of acquiring and outsourcing institutions. The survival of the fittest is a manifestation of industry standardization, and it is expected that non-compliant institutions will be cleared in the future."

　　Wang Pengbo said, "It is expected that in the next step, the association will continue to supervise the compliance awareness of acquirers through self-discipline inspections, window guidance, etc., guide the main players in the outsourcing market to keep upright and innovative development, continuously improve service quality and efficiency, and better help the payment industry and the high-quality real economy. develop."