12、湖北省农村信用社银行卡收单业务管理办法(征求意见稿)

12、湖北省农村信用社银行卡收单业务管理办法(征求 意见 文理分科指导河道管理范围浙江建筑工程概算定额教材专家评审意见党员教师互相批评意见 稿) 湖北省农村信用社 银行卡收单业务管理办法 (征求意见稿) 第一章 总则 第一条 为规范湖北省农村信用社联合社(以下简称“省联社”)银行卡收单业务操作，加强收单业务管理，防范收单业务风险，依据中国人民银行《银行卡收单业务管理办法》、《非金融机构支付服务管理办法》等相关法律法规和 制度 关于办公室下班关闭电源制度矿山事故隐患举报和奖励制度制度下载人事管理制度doc盘点制度下载 规定，制定本办法。 第二条 本办法所称银行卡收单业务(以下简称“收单业务”)，是指收单机构与特约商户签订银行卡受理 协议 离婚协议模板下载合伙人协议 下载渠道分销协议免费下载敬业协议下载授课协议下载 ，在特约商户按约定受理银行卡并与持卡人达成交易后，为特约商户提供交易资金结算服务的行为。 第三条 本办法所称收单机构，是指全省辖内的农村信用社、农村商业银行、农村合作银行。 第四条 本办法所称特约商户，是指与收单机构签订银行卡受理协议、按约定受理银行卡并委托收单机构为其完成交易资金结算的企 事业单位 事业单位结构化面试题事业单位专业技术岗位财务人员各岗位职责公文事业单位考试事业单位管理基础知识 、个体工商户或其他组织，以及按照国家有关规定，开展经营活动的自然人。 第五条 本办法所称受理终端，是指通过银行卡信息(磁条、芯片或银行卡账户信息)读取、采集或录入装置生成银行卡交易指令，能够保证银行卡交易信息处理安全的各类实体支付终端。 第六条 本办法适用于全省辖内的农村信用社、农村商业银行、on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 农村合作银行及其分支机构。 第二章 机构设置及分工 第七条 各级电子银行中心为收单业务的业务管理部门。 第八条 省联社电子银行中心主要职责: (一)负责制定全省收单业务的规章制度和发展规划，指导全省收单业务发展; (二)负责收单业务日间交易监控、业务咨询与投诉、差错处理、业务数据统计分析、机构和用户维护等工作; (三)负责收单业务需求管理和业务测试工作; (四)负责与受理终端供应商协调终端机具的购置、维护、回收等事宜;负责全省母密钥终端的调配工作; (五)负责全省收单业务内部培训工作; (六)协助各收单机构做好商户风险管理和交易风险监测工作; (七)负责向监管机构、银行卡组织等机构沟通协调，为收单业务创造良好的外部发展环境。 第九条 省联社资金管理中心主要职责: (一)负责收单业务资金清算和收单收益汇划工作; (二)负责收单业务差错的账务调整工作。 第十条 省联社网络信息中心主要职责: (一)负责收单业务系统的技术开发;根据业务部门提出的需求，进行系统改造和技术测试工作; (二)负责收单业务系统的日间监控、日终处理、数据备份等运on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 行维护工作。 第十一条 各级电子银行部门主要职责: (一)负责制定和实施辖内收单业务发展计划和营销考核办法; (二)负责辖内收单业务的业务流程规范、风险控制、监督检查、业务培训等工作; (三)负责辖内特约商户入网、退网审核，以及特约商户信息、档案管理与维护; (四)负责辖内特约商户的定期回访和风险管理，发现风险商户按照相关规定进行处理; (五)负责受理终端及相关耗材的申请订购;负责受理终端主密钥生成和管理; (六)受理特约商户的咨询和投诉，协助做好商户入账、差错调整、风险资金的处理等工作。 第十二条 收单机构应根据职责所属设置相应岗位人员。负责特约商户拓展和资质审核的岗位人员不得兼岗;负责特约商户调查、审核、审批的岗位人员不得兼岗。 第三章 特约商户管理 第十三条 收单机构拓展特约商户，应遵循“了解你的客户”原则，对目标商户进行实地调查，全面了解商户的经营背景、经营场所、经营范围、资信状况等，确保特约商户是依法设立、从事合法经营活动的商户，并承担特约商户收单业务管理责任。 第十四条 收单机构应禁止发展以下商户: on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system (一)非法设立的经营组织; (二)我国法律禁止的赌博及博彩类商户，色情服务类商户，出售违禁药品、毒品、黄色出版物、军火弹药等的商户，以及其他与我国法律、法规相抵触的商户; (三)已被列入各级政府部门或银行卡组织不良信息系统或禁止发展名单的商户; (四)无固定经营场所的商户; (五)违规套现、非法洗钱的商户。 第十五条 收单机构应谨慎发展以下商户: (一)易成为伪冒卡使用目标、发生套现和虚假交易、恶意倒闭的商户; (二)法定代表人或负责人被列入各级政府部门或银行卡组织不良信息系统的商户; (三)提供中介、咨询类服务的商户; (四)持卡人需预付款的商户。 第十六条 收单机构应对特约商户实行实名制管理，严格审核特约商户营业执照等证明文件，以及法定代表人或负责人有效身份证件等申请材料。特约商户为自然人的，收单机构应审核其有效身份证件。特约商户使用单位银行结算账户作为收单银行结算账户的，收单机构还应当审核其合法拥有该账户的证明文件。 收单机构审核商户应充分利用人民银行征信系统、联网核查身份信息系统、中国银联银行卡风险信息共享系统对商户资信进行查询。 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 第十七条 收单机构应与特约商户签订银行卡受理协议，就可受理的银行卡种类、开通的交易类型、收单银行结算账户的设置和变更、资金结算周期、结算手续费 标准 excel标准偏差excel标准偏差函数exl标准差函数国标检验抽样标准表免费下载红头文件格式标准下载 、差错和争议处理等事项，明确双方的权利、义务和违约责任。 第十八条 特约商户按照属地管理原则，由特约商户所在地收单机构或其分支机构提供收单服务，不得跨省(区、市)开展收单业务。 对于连锁经营或集团化管理的特约商户，收单机构或经其授权的特约商户所在地的分支机构可与特约商户签订总对总银行卡受理协议，并按属地管理原则落实本地化服务和管理职责。 第十九条 收单机构应及时将特约商户信息准确、完整录入商户管理系统，并按照业务规范设置商户名称、商户类别码、商户营业地址等关键信息。 第二十条 在收单业务正式开展前，收单机构应对特约商户开展业务操作和风险管理培训。业务开展后，根据特约商户的经营特点和风险等级定期开展后续培训，并保留培训记录。 第二十一条 收单机构应定期对特约商户进行现场巡查，对风险等级较高的商户，收单机构应提高巡查频次。回访内容包括但不限于: (一)现场测试POS终端是否运行正常，并保留打印凭条，检查是否出现移机、拆机、违规安装信息盗录装置、故障或损坏等情况; (二)POS终端使用情况是否正常，是否出现争议交易，单据是否有持卡人签名; (三)客户经营情况是否正常，是否有停业或转让倾向; on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system (四)是否存在其他异常情况。 第二十二条 收单机构应建立特约商户管理档案。对特约商户申请材料、资质审核材料、受理协议、培训和检查记录、信息变更、终止合作等档案资料，收单机构应至少保存至收单服务终止后五年。 第二十三条 收单机构与特约商户终止银行卡受理协议的，应及时收回受理终端，并在商户管理系统进行商户撤销、账务清理等工作，妥善处理后续事项。 第四章 终端管理 第二十四条 收单机构应在完成与特约商户签约后，为特约商户提供和安装受理终端。收单机构应根据商户实际业态、经营规模等确定受理终端数量及类型。 第二十五条 收单机构应建立特约商户受理终端出入库管理登记簿，规范受理终端出入库管理。 第二十六条 终端密钥管理应遵循一机一密。收单机构应指定专人负责POS密钥保管、下载，以及POS参数设置等工作。 第二十七条 收单机构应加强受理终端的定期维护和检查，及时解决特约商户在受理银行卡过程中出现的各种问题，同时监督特约商户妥善保管受理终端，严禁商户私自拆卸、改动受理终端及有关程序。 第二十八条 收单机构应要求特约商户不得将受理终端、交易单据、受理标识牌等用于协议范围以外的用途。 第二十九条 特约商户如需撤机，收单机构应在受理撤机申请后及时在商户管理系统完成撤机，并做好包括受理终端、宣传标识牌等on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 设备的回收处置工作。 第五章 交易处理及资金清算 第三十条 收单行应为特约商户及时提供查询、对账、追收、退款等与交易清算相关的服务，发现错账及时调整并通知商户。 第三十一条 特约商户交易资金应按协议约定及时结算到特约商户的收单银行结算账户。资金结算时限最迟不得超过持卡人确认可直接向特约商户支付款的支付指令生效之日起30个自然日，因涉嫌违法违规等风险交易需要延迟结算的除外。 第三十二条 收单机构应根据交易发生时的原交易信息发起银行卡交易差错处理、退货交易，将资金退至持卡人原银行卡账户。持卡人原银行卡账户已撤销的，应退至持卡人指定的本人其他银行账户。 第三十三条 收单机构应要求特约商户妥善保管交易单据，保管期限为自交易日起至少一年。 第六章 业务与风险管理 第三十四条 收单机构应综合考虑特约商户的区域和行业特征、经营规模、财务和资信状况等因素，对特约商户进行风险评级。对风险较高的特约商户，收单机构应对其终端类型、开通功能和服务等进行一定限制，并加强交易监测、设置交易限额、延迟清算、增加巡查频率等风险管理措施。 第三十五条 收单机构应严把特约商户准入关，加强对批发、咨询、中介、公益类等低扣率、零扣率商户的审查。 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 加强特约商户信用卡受理功能管理。对于从事资金借贷、理财服务等投融资经营活动的特约商户，收单机构不得为其开通信用卡受理功能。对于以个人银行结算账户作为收单银行结算账户的特约商户，应当审慎开通信用卡受理功能，并通过限制单笔和日累计交易金额、加强交易检查、增加现场检查频率等措施强化风险控制。 第三十六条 收单机构要加强移动POS终端商户的管理和回访工作。移动 POS终端原则上仅能布放在航空、餐饮、交通罚款、上门收费、移动售货、物流配送等难以通过固定收银台结算款项、确有使用需求的商户，并需屏蔽用户识别模块(SIM)卡跨地区(即跨省、自治区、直辖市)漫游功能。 第三十七条 对无卡、无密交易，以及预授权、消费撤销、退货等交易类型，收单机构应通过商户培训、商户回访检查、风险监控等措施，加强风险防范。 第三十八条 收单机构应严格审查特约商户收单银行结算账户设置和变更申请，确保交易资金结算至特约商户的收单银行结算账户，避免结算风险。 特约商户收单结算账户应为其同名单位结算账户，或其指定的、与其存在合法资金管理关系的单位结算账户。特约商户为个体工商户和自然人的，可使用其同名个人结算账户作为收单结算账户。 第三十九条 收单机构应当及时调查核实、妥善处理并如实反馈发卡银行的调单、协查要求，以及省联社、监管部门、银行卡清算机构发出的风险提示。 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 第四十条 收单机构发现商户存在欺诈、违规等行为或其他异常情况的，应收回全部交易单据，并视情形采取以下一项或多项风险处理措施: (一)警告; (二)关闭信用卡交易; (三)延迟资金清算; (四)冻结商户结算账户; (五)关闭或注销并收回全部设备; (六)收单机构认为必要的其他措施。 第四十一条 特约商户有下列情形之一的，收单机构应视情形强制解除受理协议，收回设备和交易单据: (一)注册经营范围与实际情况不符，名义上经营范围正常，实际从事禁入商户类型的经营活动; (二)出租、出借、出售、挪用受理终端; (三)套现:信用卡持卡人以刷卡名义将消费款转换成现金提出; (四)虚假交易:在持卡人不知情的情况下利用其账户编造虚假交易或在持卡人消费的同时重复交易，并冒用持卡人签字进行虚假交易; (五)无故拒绝受理银行卡或向持卡人收取额外费用，经收单机构指出后拒不更改; (六)无故拒绝或故意拖延收单机构查询查复业务和调单要求; (七)严重违规经营，社会形象不佳; on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system (八)经营状况恶化，已破产、停业、解散; (九)经营地址和服务电话发生变更，超过一个月无法取得联系; (十)被工商部门注销登记、吊销营业证照; (十一)被监管部门或银行卡组织认定为高风险商户; (十二)因银行卡欺诈被司法机关立案或介入调查; (十三)收单机构认为其他应该退出的情况。 第四十二条 特约商户有下列情形之一的，收单机构应强制解除受理协议，收回设备和交易单据，涉及违法犯罪行为的应及时向上级管理部门和公安机关报告: (一)虚假申请:以虚假资料或盗用其他商户资料向收单机构申请成为特约商户; (二)侧录:默许、纵容或与不法分子共谋在受理终端上安装侧录设备，盗取持卡人磁条信息; (三)泄露账户及交易信息; (四)恶意倒闭; (五)收单机构认为其他应该退出的情况。 第四十三条 收单机构应对特约商户明示由于以下原因造成的差错及争议处理损失由特约商户承担: (一)特约商户受理银行卡业务过程中有违反操作流程的行为; (二)特约商户没有在规定的期限内提供有关交易单据或提供的交易单据不符合要求; (三)特约商户有违反收单受理协议的其他行为。 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 第四十四条 由于以下原因造成的争议处理损失应由收单机构承担: (一)由于特约商户倒闭，无法获得有关交易单据(损失由收单机构负责对特约商户进行追索); (二)收单机构收到发卡行的争议处理要求后没有及时通知特约商户，造成有关争议处理超过时限; (三)特约商户在规定的期限内向收单机构提供了交易单据，但收单机构没有在规定的期限内将交易单据提供给省联社的; (四)收单机构其他违规操作造成的损失。 第四十五条 收单机构应当遵守反洗钱法律法规要求，履行反洗钱和反恐怖融资义务。 第四十六条 收单机构发生收单风险事件应及时逐级上报。收单机构或其外包服务机构、特约商户发生涉嫌银行卡违法犯罪案件或重大风险事件的，应于2个工作日内向中国人民银行分支机构和省联社报告。 第七章 外包管理 第四十七条 收单机构应当自主完成特约商户资质审核、受理协议签订、收单业务交易处理、资金结算、风险监测、受理终端主密钥生产和管理、差错和争议处理等业务活动。 第四十八条 收单机构应禁止外包服务机构有下列行为: (一)受理终端主密钥生成及其管理; (二)向其他机构转让、转包业务; on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system (三)存储银行卡密码、有效期、卡片验证码等交易验证信息; (四)自主设置交易路由或加载未经收单行同意的程序; (五)通过自行编制、篡改、仿冒或重组交易报文等方式隐匿、歪曲真实交易情况。 第四十九条 收单机构应在收单业务外包前，将收单业务外包协议和所选择的外包服务机构相关情况，向中国人民银行分支机构和省联社报告。 第五十条 收单机构作为收单业务主体的管理责任和风险承担责任不因外包关系而转移。 第八章 附则 第五十一条 本办法由湖北省农村信用社联合社负责制定、解释、修改。 第五十二条 本办法自印发之日起执行。 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system