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Notice of the China Banking Regulatory Commission and the People's Bank of China on Strengthening the Administration of Cooperative Business between Commercial Banks and Third-party Payment Institutions [Effective]
中国银监会、中国人民银行关于加强商业银行与第三方支付机构合作业务管理的通知 [现行有效]
【法宝引证码】

Notice of the China Banking Regulatory Commission and the People's Bank of China on Strengthening the Administration of Cooperative Business between Commercial Banks and Third-party Payment Institutions 

中国银监会、中国人民银行关于加强商业银行与第三方支付机构合作业务管理的通知

(No. 10 [2014] of the China Banking Regulatory Commission) (银监发〔2014〕10号)

All local offices of the China Banking Regulatory Commission (“CBRC”); Shanghai Headquarters of the People's Bank of China (“PBC”), all branches and business management departments of the PBC, and all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all state-owned commercial banks and joint-stock commercial banks; postal savings banks; and trust companies, enterprise group finance companies and financial leasing companies under the direct supervision of the CBRC: 各银监局,中国人民银行上海总部、各分行、营业管理部,各省会(首府)城市中心支行,各副省级城市中心支行,各国有商业银行、股份制商业银行,邮政储蓄银行,银监会直接监管的信托公司、企业集团财务公司、金融租赁公司:
In order to effectively protect the client information safety of commercial banks, guarantee the security of funds and bank accounts of clients, safeguard the lawful rights and interests of clients, and strengthen the administration of cooperative businesses between commercial banks and third-party payment institutions, the requirements for the establishment of business relevancy between commercial banks and third-party payment institutions are hereby raised as follows: 为切实保护商业银行客户信息安全,保障客户资金和银行账户安全,维护客户合法权益,加强商业银行与第三方支付机构合作业务管理,现就商业银行与第三方支付机构建立业务关联提出以下要求:
I. Commercial banks shall, according to the requirements of the relevant laws and regulations, effectively conduct the work of client information safety and confidentiality. When a commercial bank and a third-party payment institution cooperatively develop various businesses, where the administration of client financial information is involved, the commercial bank and the third-party payment institution shall strictly observe the provisions of the relevant laws, regulations, and regulatory systems and make payment in strict compliance with clients' will and instructions, and may not disclose any client financial information in violation of laws and regulations.   一、商业银行应按照有关法律法规要求,做好客户信息安全与保密工作。商业银行与第三方支付机构合作开展各项业务,对涉及到的客户金融信息管理,应严格遵循有关法律法规和监管制度的规定,严格遵照客户意愿和指令进行支付,不得违法违规泄露。
II. A commercial bank shall assess the technical risk tolerance of a client and such decision-making requirements as the account relevancy between the client and a third-party payment institution, the business type, and the trading limit shall be consistent with the technical risk tolerance of the client.   二、商业银行应对客户的技术风险承受能力进行评估,客户与第三方支付机构相关的账户关联、业务类型、交易限额等决策要求应与其技术风险承受能力相匹配。
III. When the bank account of a client establishes business relevancy with a third-party payment institution for the first time, duel authentication shall be required, that is, when a client passes the authentication of the third-party payment institution, it also needs to pass the client identity authentication of the commercial bank. The bank that has opened the bank account shall directly verify the client identity through physical outlets, e-channels, or other effective methods, and specify the rights and obligations of both parties.   三、客户银行账户与第三方支付机构首次建立业务关联时,应经双重认证,即客户在通过第三方支付机构认证同时,还需通过商业银行的客户身份鉴别。账户所在银行应通过物理网点、电子渠道或其他有效方式直接验证客户身份,明确双方权利与义务。
IV. When authenticating and verifying a client identity through e-channels, a commercial bank shall verify the client identity by means of dual (multiple)-factor authentication. For a client who does not satisfy the conditions for dual (multiple)-factor authentication, no account of the client may establish business relevancy with a third-party payment institution.   四、商业银行通过电子渠道验证和辨别客户身份,应采用双(多)因素验证方式对客户身份进行鉴别,对不具备双(多)因素认证条件的客户,其任何账户不得与第三方支付机构建立业务关联。
V. A commercial bank shall open at least one technical method for instant notification of changes in the account that has established business relevancy with a third-party payment institution. For any client who fails to satisfy the conditions for instant notification, he or she may not establish the business partnership with a third-party payment intuition through a bank, in which multiple payments are made upon contract-signing for once.   五、商业银行对账户与第三方支付机构建立业务关联的客户,应开通至少一种账户变动即时通知技术方式,不具备即时通知条件的客户,不得通过银行与第三方支付机构建立一次签约、多次支付的业务合作关系。
VI. A commercial bank shall set up a payment limit that is consistent with the technical risk tolerance of a client, including a single payment limit and a daily accumulative payment limit.
......
   六、商业银行应设立与客户技术风险承受能力相匹配的支付限额,包括单笔支付限额和日累计支付限额。
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