中国非银行支付机构监管模式及国际对比.PDFVIP

研究报告 2018年 第 3期 （总第3期） 2018年 4月3日 中国非银行支付机构监管模式及国际对比 刘瑾 （鑫苑房地产金融科技研究中心） 【摘要】随着互联网技术的进步和移动终端的普及，第三方支付 行业蓬勃发展。第三方支付平台为公众提供了更加完善、便捷的 金融服务，同时也改变了我国支付行业的结构，推动了产业革新 和进步。但相比传统金融企业而言，非银行支付机构在资金管理、 客户隐私安全保护等方面存在较多漏洞。自 2010 年发布《非金 融机构支付服务管理办法》以来，中国人民银行等部门正逐渐加 强对非银行支付机构的监管，目前已初见成效。美国的第三方支 付行业发展较早，相关法律体系更加健全。本文分析了中国非银 行支付机构的监管模式，并通过对比中美两国非银行支付机构的 法律法规及相关条例，为我国非银行支付机构监管提出建议。 Research report 2018-04-3 Edition 3 The Regulatory Model of Non-Bank Payment Institutions in China and International Comparison Liu Jin （XIN Real Estate Fintech Research Center ） Abstract: With the progress of Internet technology and the popularization of mobile terminals, the third-party payment industry is booming. The third-party payment platform provides better and convenient financial services for the public. At the same time, it has also changed the structure of the payment industry in China and promoted the innovation and progress of the industry. However, compared with the traditional financial enterprises, the non-bank payment institutions have many loopholes in terms of fund management, customer privacy, security protection, etc. Since the “Non- Financial Institution Payment Service Management Approach” was released in 2010, the People’s Bank of China and other departments have gradually strengthened their supervision on non-bank payment institutions. The effect has already emerged at present. The third-party payment industry in the US was de