基于功能视角的第三方支付平台监管研究  

Research on Regulation of Third-party Payment Platform in Functional Perspective

作　　者：王雅龄[1] 郭宏宇[2] 

机构地区：[1]青岛大学经济学院,山东青岛266071 [2]外交学院国际经济学院,北京100037

出　　处：《北京工商大学学报（社会科学版）》2011年第1期91-95,共5页JOURNAL OF BEIJING TECHNOLOGY AND BUSINESS UNIVERSITY:SOCIAL SCIENCES

摘　　要：随着第三方支付平台的迅猛发展,对监管的要求也日新月异。从功能角度对第三方支付平台进行深入分析,沉淀资金、虚拟货币、平台商务和网络技术是第三方支付平台的基本风险模块。建议设立以征信体系为轴心的"伞形"功能型柔性监管机制,切实作好在途沉淀资金的风险隔离,严格监管第三方支付工具的货币创造。With rapid growth of the third-party payment platform,financial regulation policies need change.The risk of the online payment platform,for functional regulation,consists of four modules,which includes deposits fund,virtual money,platform business and network technology.We suggest that the regulator establish functional regulation with soft mechanism in umbrella form,to isolate the risk of deposits and limit the creation of virtual money.

关 键 词：第三方支付 功能型监管 风险模块 

分 类 号：F832.2[经济管理—金融学]