The central bank regulates the payment of taxes by third-party APPs, which will be implemented next year! Understand these questions

People'sBankofChina app

zhongxinjingwei· 2019-12-14 23:10:19

China-Singapore Jingwei Client, December 13th. On December 6, 2019, the "Administrative Measures for Treasury Funds Receipt and Payment Service Management (Trial)" (hereinafter referred to as the "Measures") was released and will be on January 6, 2020. From implementation. A few days ago, the relevant person in charge of the People's Bank of China answered reporters' questions on the relevant content of the Measures.

The relevant person in charge of the central bank said that with the rapid development of non-bank payment institutions, there has been a demand for contributors to pay budget revenues such as taxes through non-bank payment institutions. At the same time, business innovation involving the participation of non-bank payment institutions in the treasury receipts has been carried out in various places, which requires the introduction of a special system to standardize related businesses to eliminate hidden risks of capital risks. In addition, the continuous deepening of the reform of the tax collection and management system objectively requires the introduction of relevant systems to support the reform work, while providing more convenience to payers, and protecting the legitimate rights and interests of payers.

The treasury fund receipt and payment service refers to the network payment service provided by non-bank payment institutions for commercial budgets or clearing institutions and the treasury directly connected to the treasury. This service is an extension of the traditional treasury business, and is an online payment service for personal bank settlement accounts.

Which non-bank payment institutions can participate in the provision of treasury fund receipt and payment services? The person in charge stated that holding the "Payment Business Permit" issued by the People's Bank of China and complying with various management regulations of the People's Bank of China regarding treasury business and non-bank payment institution business and the provisions of these Measures can provide the treasury fund receipt and payment service Necessary technical support and system transformation services, obtaining Internet payment or mobile phone payment business licenses, non-bank payment institutions that have been classified as Class B or above in the last three years and have not committed major violations of laws and regulations can participate in the provision of treasury funds Receipt payment service.

What are the business models for non-bank payment institutions to participate in the provision of treasury fund receipt and payment services? The person in charge said that the treasury fund receipt and payment service includes two business models: one is that non-bank payment institutions are connected with commercial banks through clearing institutions and rely on commercial banks to directly provide treasury payment services; and second, non-bank payment institutions rely on The clearing institution's network channel directly connected to the treasury provides the payment service.

Can the "small change" and "balance" in non-bank payment institutions APP be used to pay taxes? The person in charge stated that in order to ensure the safe and fast payment of various funds into the national treasury, when non-bank payment institutions provide the treasury fund receipt and payment service, the funds should be deducted from the payer's personal bank settlement account (the bank card bound by the APP) After transferring directly to the treasury account, you cannot use the "small change" and "balance" payment in the APP.

Can non-bank payment institutions participate in the provision of withdrawals? The person in charge said that non-bank payment institutions can provide information on the return of warehouses in the corresponding terminal interface in accordance with laws and regulations, but cannot participate in the business of providing funds from warehouses.

What should I do if the existing business model of non-bank payment institutions participating in the treasury fund receipt and payment service is inconsistent with the Measures? The person in charge stated that if the service model for non-bank payment institutions to participate in the treasury fund receipt and payment service is inconsistent with the Measures, the rectification should be in place within three months from the implementation of the Measures.

How do payers understand the contents of payment services when they pay taxes through non-bank payment institutions? The person in charge stated that non-bank payment institutions that provide treasury fund receipt and payment services should clearly prompt the payment service providers to provide payment services in this business to ensure that the payers know. (New Jingwei APP)

Author: according to Dong Xiang

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