国际金融服务中心管理局（IFSCA）已为现有支付系统运营商以及计划在国际金融服务中心开展支付系统业务的实体规定了财务要求。根据10月27日发布的一份通函，该监管机构明确了某些类别运营商必须维持的最低净资产。其他类别，包括大额支付系统和银行卡支付网络，必须维持稳健的财务状况。
The International Financial Services Centres Authority has prescribed financial requirements for existing payment system operators and entities planning to start payment system operations in International Financial Services Centres .Under a circular issued on October 27, the regulator has specified the minimum net worth that certain categories of operators must maintain. Other categories, including large-value payment systems and card payment networks, must maintain a sound financial position.
现有支付系统运营商自通函发布之日起有六个月时间满足相关要求。它们还必须在每年9月30日前提交法定审计师出具的证书，确认其上一财年符合合规要求。
Existing payment system operators have six months from the date of the circular to meet the requirements. They must also submit a certificate from their statutory auditor confirming compliance for the previous financial year by September 30 every year.
新申请人必须在申请时连同申请材料一并提交法定审计师出具的证书，确认其符合适用的财务要求。财务要求具体是什么？IFSCA为不同类别的支付系统运营商规定了以下要求：应收账款贴现系统（TReDS）：运营商必须维持最低100万美元的净资产。
New applicants must submit a certificate from their statutory auditor confirming that they meet the applicable financial requirements along with their application. What are the financial requirements?IFSCA has specified the following requirements for different categories of payment system operators:Trade Receivables Discounting System : Operators must maintain a minimum net worth of $1 million.
法人实体标识符（LEI）发行机构：这些实体必须拥有最低20万美元的净资产。
Legal Entity Identifier issuers: These entities must have a minimum net worth of $200,000.
交易资源库：这些实体必须维持相当于至少一年运营成本的净资产。该计算必须每六个月进行一次。大额支付系统：运营商必须维持稳健的财务状况。银行卡支付网络：运营商也必须维持稳健的财务状况。净资产广义上是指公司在扣除特定负债和损失后的财务资源。
Trade repositories: These entities must maintain net worth equivalent to at least one year's operating costs. The calculation must be carried out every six months. Large-value payment systems: Operators must maintain a sound financial position. Card payment networks: Operators must also maintain a sound financial position. Net worth refers broadly to a company's financial resources after adjusting for specified liabilities and losses.
根据IFSCA的规则，净资产将包括实收股本、合格储备以及必须转换为股本的某些优先股。累计亏损、无形资产和递延收益支出将在适用情况下予以扣除。
Under IFSCA's rules, it will include paid-up equity capital, eligible reserves and certain preference shares that must be converted into equity. Accumulated losses, intangible assets and deferred revenue expenditure will be deducted, where applicable.
重估资产形成的储备金不得计入。这项规则对新申请者意味着什么？寻求在国际金融服务中心开展支付系统运营的实体，在向监管机构申请时将须证明其符合适用的财务要求。对于现有运营商，六个月的合规窗口期给予他们时间满足规定标准。届时，他们将须提供法定审计师的年度确认函。交易资料库也将须提交净资产与运营成本的半年度核算。该通告于10月27日起即时生效。
Reserves created by revaluing assets cannot be counted. What does the rule mean for new applicants? Entities seeking to start payment system operations in an IFSC will have to demonstrate that they meet the applicable financial requirements when applying to the regulator. For existing operators, the six-month compliance window gives them time to meet the prescribed criteria. They will then have to provide annual confirmation from their statutory auditors. Trade repositories will also need to submit half-yearly calculations of their net worth against operating costs. The circular came into force with immediate effect on October 27.