Administrative Measures of Tianjin Special Card Funds

天津市专用卡资金管理办法（试行）

 

Promulgating Institution: General Office of People’s Government in Tianjin Municipality

Document Number: Jin Zheng Ban Fa [2009] No. 99

Promulgating Date: 07/10/2009

Effective Date: 09/01/2009

颁布机关: 天津市人民政府办公厅

文   号: 津政办发[2009]99号

颁布时间: 07/10/2009

实施时间: 09/01/2009

 

Chapter I General Provisions

  第一章 总则

 Article 1  These Measures are enacted, pursuant to relevant laws and regulations, in a view to regularizing use and administration of Tianjin special card funs, guaranteeing legal interests and rights of relevant parties and preventing special card fund risks with effectiveness.

    第一条 为规范天津市专用卡资金的使用与管理,维护相关当事人的合法权益,有效防范专用卡资金风险,根据有关法律法规,制定本办法。

 Article 2  Special cards cited in These Measures refer to non-bank cards issued, upon approval of competent departments of relevant enterprises in This Municipality, by card issuing institutions other than banks which may be used in particular fields and equipped with payment functions.

    第二条 本办法所称专用卡,是指经我市相关企业的主管部门审批,由企业等非银行卡发卡机构发行,可以在特定行业领域使用、具有支付功能的非银行卡。

 Article 3  Special card funds cited in These Measures refer to funds reserved by special card issuing enterprises in special deposit accounts opened in banks for special card funds.

    第三条 本办法所称专用卡资金,是指专用卡发卡企业在专用卡资金开户银行开立的专用存款账户内存放的资金。

 Article 4  Banks for special card funds refer to financial institutions in bank industry which provide special card fund settlement service for Tianjin special card issuing enterprises.

    第四条 本办法所称专用卡资金开户银行,是指为我市专用卡发卡企业办理专用卡资金结算业务的银行业金融机构。

 Article 5  Special deposit accounts cited in These Measures refer to RMB bank settlement accounts providing collection and payment service to all special card funds. Such accounts mainly handle transactions such as pooling of deposits and recharged funds submitted by card holders as well as fund settlement of all relevant participant parties.

Special deposit accounts opened by special card issuing enterprises shall make special funds used for special purposes.

    第五条 本办法所称专用存款账户,是指用于办理各项专用卡资金收付业务的人民币银行结算账户。该账户主要用于办理持卡人缴纳的押金、充值资金的归集以及与相关各参与方的资金结算等。

  专用卡发卡企业开立的专用存款账户必须做到专款专用。

 Article 6  Special card fund clearing companies cited in These Measures refer to those possessing certain qualification and signing agreements with special card fund issuing enterprises so as to be engaged in transactions such as special card exchange, transfer, statistic clearing plus recognition and fund clearing.

Special card fund clearing companies shall be determined by Tianjin Branch of People's Bank of China in accordance with relevant requirements of fund clearing administration.

    第六条 本办法所称专用卡资金清算公司,是指具备一定条件,并与专用卡发卡企业签订协议,从事专用卡交易转接、数据清分、资金清算等业务的公司。

  专用卡资金清算公司由人民银行天津分行按照资金清算管理的有关要求确定。

 Article 7  Special card issuing enterprises shall entrust special funds to special card fund clearing companies to conduct fund recognition and clearing.

    第七条 专用卡发卡企业应当将专用卡资金委托专用卡资金清算公司进行资金清分及清算。

 Article 8  Special fund administration shall abide by principle of safety, high effectiveness and honesty as well as ensure clearing of special funds to be accurate and timely so as to effectively maintain legal rights and interests of social public community.

    第八条 专用卡资金管理应当遵循安全、高效、诚信的原则,确保专用卡资金清算准确、及时,有效维护社会公众的合法利益。

 Article 9  Tianjin special card issuing enterprises, special card fund clearing companies and relevant banking financial institutions shall abide by These Measures.  

    第九条 天津市专用卡发卡企业、专用卡资金清算公司、相关银行业金融机构应当遵守本办法。

 Chapter II Special Card Fund Administration

  第二章 专用卡资金管理

 Article 10  Special card issuing enterprises, in issuing special cards, shall select no more than one banking financial institution as the opening bank for special card funds thereof.

    第十条 专用卡发卡企业发行专用卡,只能选择一家银行业金融机构作为专用卡资金开户银行。

 Article 11  Special card issuing enterprises shall, on the day of submission of deposit money and recharged funds by card holders or the later morning thereof, transfer such money and funds to special deposit accounts opened in special card fund banks. 

    第十一条 专用卡发卡企业应将持卡人缴纳的押金及充值资金于当日至迟次日上午全部转入在专用卡资金开户银行开立的专用存款账户内。

 Article 12  No special card issuing enterprises may appropriate funds in special deposit accounts without authorization, nor may they transfer any funds by any means of payment or settlement.

    第十二条 专用卡发卡企业对专用存款账户中的资金无权擅自挪用,不得使用任何支付结算工具进行资金划转。

 Article 13  Special card issuing enterprises, prior to entrusting special card fund clearing companies to conduct clearing transactions, shall sign tripartite agreements with special card fund clearing companies and special card fund opening banks. Such agreements shall at least contain the statements as follows:

i.   Fund settlement range;

ii.   Valid date of fund clearing, authorization of fund transfer and settlement;

iii.  Rights and Duties between tripartite agreement parties;

iv. Transmittance means of statistics for transaction clearing and recognition;

v. All participation parties in fund clearing;

vi. Means of fund clearing and settlement;

vii. Means of account reconciliation;

viii. Measures of mistaken operation's prevention;

ix. Liability for negligence and wrongs;

x. Clearing expenses and withdrawal means thereof;

xi. Forbidden acts; and

xii. Liability for breach of agreement.

    第十三条 专用卡发卡企业委托专用卡资金清算公司开展清算业务前,应与专用卡资金清算公司、专用卡资金开户银行签订三方专用卡资金管理协议。协议应至少载明下列内容:

  (一)资金结算范围;

  (二)资金清算、授权扣划结算的生效时间;

  (三)协议三方的权利与义务;

  (四)交易清分数据的传输方式;

  (五)资金清算的各参与方;

  (六)资金清算与结算方式;

  (七)对账方式;

  (八)防范错误操作的措施;

  (九)过失与差错责任承担;

  (十)清算费用及计提方法;

  (十一)禁止行为;

  (十二)违约责任。

 Article 14  Special card issuing enterprises, special card fund clearing companies and special card fund opening banks shall, within 15 days after signing of tripartite agreements, report to Tianjin Branch of People's Bank of China for filing.

    第十四条 专用卡发卡企业、专用卡资金清算公司以及专用卡资金开户银行三方协议签署后,应在15日内向人民银行天津分行备案。

 Article 15  Special card fund opening bank shall, in accordance with administrative regulations on RMB bank settlement accounts, report and submit relevant opening documents of special card issuing enterprises to Tianjin Branch of People's Bank of China for examination and approval so as to go through opening formalities.

    第十五条 专用卡资金开户银行应按照人民币银行结算账户管理的规定,将专用卡发卡企业的相关开户资料报送人民银行天津分行,经其核准后办理开户手续。

 Article 16  Fund transaction statistics between special card issuing enterprises and all relevant participatory parties shall be entrusted to special card fund clearing companies to conduct transaction transfer, clearing and recognition.

    第十六条 专用卡发卡企业与各相关参与方的资金交易数据应委托专用卡资金清算公司进行交易转接并清分。

 Article 17  Special card fund clearing companies shall, on the closing day of clearing and recognition system coming to the end, conduct clearing and recognition toward transaction statistics thereof and generate the net amount of such fund clearing. Besides, special card fund clearing companies shall further submit payment order of clearing funds to special card opening bank on the next day.

    第十七条 专用卡资金清算公司应于清分系统日终后对当日发生的交易数据进行清分并生成资金清算净额,于次日将清算资金的支付指令提交专用卡资金开户银行。

 Article 18   Special accounts opened in special card fund banks by special card issuing enterprises shall adopt authorized deduction settlement means, which implies that special card issuing enterprises, in accordance with tripartite agreements, authorize special card fund opening banks to directly deduct or transfer the funds in special accounts in accordance with clearing fund payment orders submitted by special card fund clearing companies and prior to the closing day of business. Besides, special card issuing enterprises also authorize special card fund opening banks to complete fund settlement between relevant participatory parties.

    第十八条 专用卡发卡企业在专用卡资金开户银行的专用账户应实行授权扣划的资金结算方式。即专用卡发卡企业按照三方协议授权专用卡资金开户银行根据专用卡资金清算公司提交的清算资金支付指令于当日营业终了前,直接扣划专用账户内的资金,并完成与相关参与者之间的资金结算。

 Article 19  Statistics of special card fund clearing and recognition shall be cleared in accordance with those from special card fund clearing companies. In case reconciliation of account after clearing fails, reasons thereof shall be investigated, clarified then further rectified.

    第十九条 专用卡资金清分数据以专用卡资金清算公司数据为准进行清算。对于清算完成后对账不符的各方应查明原因再行调整。

 Article 20  No special fund opening banks may conduct fund settlement without following clearing orders from special fund clearing companies pursuant to tripartite agreements, nor may they accept any payment demands from special card issuing enterprises and other organization to transfer any funds in special deposit accounts without authorization.

    第二十条 专用卡资金开户银行只能根据三方协议接受专用卡资金清算公司的清算指令进行资金结算,不得接受专用卡发卡企业及其他组织的支付请求,不得擅自划转专用存款账户资金。

 Article 21  Special card fund administration shall adopt multi-financial checks with term or those at will, which implies that financial checks conducted between special card issuing enterprises and special card fund opening banks, special card issuing enterprises and special card fund clearing companies, special card issuing enterprises and relevant clearing participatory parties, special card fund clearing companies and special card fund opening banks shall ensure their financial balance.

    第二十一条 专用卡资金管理应实行定期与不定期的多边账务核对。即专用卡发卡企业与专用卡资金开户银行、专用卡发卡企业与专用卡资金清算公司、专用卡发卡企业与相关清算参与者、专用卡资金清算公司与专用卡资金开户银行之间的账务核对,要确保账务的平衡。

 Article 22  Special card fund clearing companies, in offering fund clearing service, may charge special card fund issuing enterprises for clearing expenses, standard of which shall adopt the guiding price provided by This Government or that fixed by This Government. 

    第二十二条 专用卡资金清算公司提供资金清算服务，可向专用卡发卡企业收取清算手续费。收费标准应实行政府定价或政府指导价。

 Chapter III Administration and Supervision

   第三章 管理与监督

 Article 23   Competent departments of special card issuing enterprises shall order such enterprises to be rectified within limited time if they find such enterprises:

i. Refuse to entrust special card fund settlement companies to conduct fund recognition and clearing;

ii. Fail to transfer special card fund to special deposit accounts within prescribed time; or

iii. Appropriate special card funds without authorization.

    第二十三条 专用卡发卡企业存在下列情形之一的,由其主管部门责令其限期改正:

  (一)拒绝委托专用卡资金清算公司进行资金清分及清算的;

  (二)不按照规定时限向专用存款账户划转专用卡资金的;

  (三)擅自挪用专用卡资金的。

 Article 24  Special card fund opening banks shall account for truthfulness of special card issuing enterprises' opening information, conduct regular supervision over opening and using of special card accounts, be entitled to refuse to settle in case funds are beyond the scope of special card settlement, report to Tianjin Branch of People's Bank of China timely in case of exceptions occur in special accounts and fund settlement.

Special card fund opening banks shall initiatively and timely conduct financial check with special card issuing enterprises and special card fund clearing companies as well as properly keep relevant information thereof.

    第二十四条 专用卡资金开户银行应对专用卡发卡企业开户信息的真实性负责;对专用卡账户开立与使用情况进行日常监督;对超出专用卡结算范围的资金,有权拒绝结算;对专用账户和资金结算中出现的异常情况,应及时向人民银行天津分行报告。

  专用卡资金开户银行应主动、及时与专用卡发卡企业和专用卡资金清算公司进行账务核对,并妥善保管相关对账信息。

 Article 25  Tianjin Branch of People's Bank of China and Tianjin Bureau of China Banking Regulatory Commission shall, in accordance with law and relevant provisions, conduct supervision and administration over transactions such as opening, using and fund settling of special accounts in relevant banks at will or with term.

In case commercial banks violate These Measures, such banks shall be dealt with in accordance with relevant provisions.

    第二十五条 人民银行天津分行应会同银行业监督管理委员会天津监管局根据法律和有关规定定期或不定期对相关商业银行专用存款账户的开立、使用及资金结算等情况共同进行监督管理。

  对违反本办法规定的商业银行将按照有关规定处理。

 Article 26  Special card fund clearing companies shall monthly report all information about special card issuing enterprises' special card fund recognition and clearing to Tianjin Branch of People's Bank of China.

    第二十六条 专用卡资金清算公司应每月向人民银行天津分行报告所有专用卡发卡企业专用卡资金清分清算情况。

 Article 27  Tianjin Branch of People's Bank of China shall order special card fund clearing companies to be corrected within limited time period if it finds such companies:

i. Delay payment after fund recognition and clearing without any reasonableness;

ii. Mix recognition and clearing of special card funds of different special card issuing enterprises;

iii. Transfer money without authorization to enterprises or organizations other than those participating in tripartite agreements;

iv. Appropriate special card fund without authorization; or

v. Other wrongdoing in violation to law.

    第二十七条 专用卡资金清算公司从事专用卡资金清算有下列情形之一的,由人民银行天津分行责令其限期改正:

  (一)无正当理由延误资金清分清算支付的;

  (二)将不同专用卡发卡企业的专用卡资金混合清分、清算;

  (三)擅自向三方协议以外企业或组织划款的;

  (四)擅自挪用专用卡资金的;

  (五)法律规定的其他情形。

 Article 28  Competent departments of Tianjin Financial Bureau and special card issuing enterprises shall strengthen ordinary supervision and administration over special card funds. Tianjin Audit Bureau shall, with term or at will, conduct special audition toward regularity of the special card fund usage as well as copy such audition results to Tianjin Branch of People's Bank of China and Financial Service Office of People's Government of Tianjin Municipality.

    第二十八条 天津市财政局和专用卡发卡企业的主管部门应加强对专用卡资金的日常监督管理。天津市审计局应定期或不定期对专用卡资金使用合规性等情况进行专项审计,并将审计结果抄送人民银行天津分行和天津市人民政府金融服务办公室。

 Article 29  Special card issuing enterprises, special card fund clearing companies and relevant entities such as banking financial institutions shall, in rigid accordance with These Measures. In case such entities, in violation to These Measures, withhold, appropriate or diverse special card funds causing monetary losses, which is found guilty, such entities shall be criminally liable as such; in case such wrongdoings have not incurred criminal liability, such entities shall account for administrative liability as such; in case such entities cause losses, that shall be liable for corresponding compensations.

    第二十九条 专用卡发卡企业、专用卡资金清算公司、银行业金融机构等相关主体应严格遵守本办法，对违反本办法截留、挤占、挪用专用卡资金造成资金损失，构成犯罪的，依法追究刑事责任;尚不构成犯罪的，依法追究行政责任;造成损失的，应当承担相应的赔偿。

 Chapter IV Supplementary Provisions

  第四章 附则

 Article 30  These Measures shall come into effect as of September 1, 2009.

    第三十条 本办法自2009年9月1日起实施。