支付机构银行卡收单业务违规行为与治理

The Irregularities and Governance of the Acquiring Business of Bank Cards of Payment Institutions

自《非金融机构支付服务管理办法》实施以来,非金融支付机构(以下简称"支付机构")的银行卡收单业务迅速从一线城市向二线、三线城市呈几何级乘数发展,甚至延伸到乡镇等基层地区。与此同时,部分支付机构收单业务的违规行为也日趋严重,违规形式朝多样性、隐蔽性、高科技性发展。本文结合目前支付机构银行收单业务的违规乱象,分析其中动因,并提出相应的治理建议。

Since the implementation of Administrative Rules Governing the Payment Service of Non-financial Institutions, the acquiring business of bank cards of the non-financial payment institutions(hereinafter referred to as the 'payment institutions') has been rapidly extended from the first-tier cities to the second and third-tier cities, even to the villages and towns and other areas at the grass-roots level. At the same time, the irregularities of the acquiring business of the partial payment institutions are also more serious,and the forms of the irregularities are of diversity, concealment and high technology. Combined with the situations of the irregularities of the acquiring business of the payment institutions, the paper analyzes the motivations, and puts forward corresponding governing suggestions.