The Ministry of Public Security and the People's Bank of China have attached great importance to the rapid popularization of Internet technology and mobile devices, the continuous enrichment of payment scenarios, and the explosive growth of online payment business. They have organized discussions and judgments for many times, comprehensively investigated case clues, and thoroughly analyzed the illegal industry ecology, We will crack down on illegal online payment activities and make every effort to prevent and resolve major financial risks.

In the work, the public security organ, relying on the working mechanism of "informatization construction and data-driven actual combat", found out a large number of illegal online payment intelligence clues, handled a large number of illegal fund payment and settlement cases, and on this basis, deeply analyzed the illegal online payment industry, found the industry risk loopholes, and promoted the strengthening of risk control and defense lines. Since this year, according to the unified deployment of the Ministry of Public Security, the relevant local public security organs have cracked 15 major illegal online payment cases, captured a large number of criminal suspects, involving more than 54 billion yuan, and achieved phased results. In the case of "Shenzhen Aibei Company" uncovered by the police in Dalian, Liaoning Province, the platform provided illegal fund payment and settlement services to others under the guise of "aggregate payment", involving more than 9.2 billion yuan. In the case of "Cainkard Company" uncovered by the police in Jinyun, Zhejiang Province, bank staff colluded with illegal payment platforms to commit crimes. In the case of "Shanghai Difu Company" uncovered by the police in Hanchuan, Hubei Province, the platform set up 72 illegal payment channels for criminal subjects, with a transaction amount of more than 13.1 billion yuan. The illegal business case uncovered by the police in Yantai, Shandong, eradicated many illegal platforms such as "egg catching", "typing practice" and "fun running", and closed more than 30 domestic capital settlement channels for overseas gambling and private lottery websites.

The People's Bank of China, relying on the Internet financial risk rectification mechanism, strengthened monitoring, took the initiative to investigate and severely punished illegal operations in payment business. Since this year, a number of unlicensed business payment business clues have been transferred to the public security organs to help them crack down on and deal with a large number of illegal business cases.

It is understood that illegal online payment activities mainly have the following prominent characteristics:

First, it serves a wide range of clients, providing illegal capital channels for online pyramid selling, illegal futures, telecommunications fraud, online gambling and other upstream crimes, helping them transfer funds, and greatly promoting the development and spread of illegal and criminal activities.

Second, the subject relationship is complex. The illegal payment platform and upstream illegal and criminal activities present a situation of one to many and many to many cross service, that is, one platform provides illegal payment services for multiple illegal and criminal activities at the same time, and the illegal and criminal subjects also use multiple illegal payment channels at the same time. The subject relationship is crossed and disordered.

The third is to encourage the development and spread of "black products" in information trading. The illegal payment platform uses a large number of shell enterprises and false merchants, which greatly encourages the "black products" in the trading of personal identity information, bank card information and enterprise information.

Fourth, social harm is serious. Illegal online payment creates an "underground channel" between legal capital channels and illegal and criminal activities, forming a "capital pool", helping illegal and criminal funds escape supervision, seriously disrupting the order of the financial market, and endangering payment security.

The Ministry of Public Security and the People's Bank of China will work closely to crack down on illegal online payment activities. At the same time, we appeal to the masses to consciously resist all kinds of illegal and criminal activities.