第三方支付态势与监管:自互联网金融观察  

Situation and Regulation of the Third-party Payment:Observation from the Internet Financial

作　　者：蒋先玲[1] 徐晓兰[2] 

机构地区：[1]对外经济贸易大学教务处,北京100029 [2]对外经济贸易大学国际经济贸易学院,北京100029

出　　处：《改革》2014年第6期113-121,共9页Reform

基　　金：国家社会科学基金项目"我国战略性新兴产业政府引导基金及运行机制问题研究"(批准号:12BJY151)

摘　　要：在互联网金融兴起的背景下,我国第三方支付创新加速向资金配置等金融领域渗透,对其现行监管框架提出了挑战。现阶段我国第三方支付监管存在立法层级较低、准入门槛过高、单一机构监管模式不适应业务新发展、监管有效性不足等问题。应在充分考虑现阶段第三方支付市场发展特征的基础上,借鉴欧盟和美国相关监管经验,尽快实现第三方支付领域机构监管与功能监管相结合、较低准入门槛与有效过程监管相配套的新型动态监管模式。With the rising of internet finance, the innovations of third-party payment services in China target in financial areas such as funds allocations which raise big challenges to its current supervisory framework. Reforms have to be in place to address issues such as low legislation level, high entry to the market, simple supervision model and ineffective supervision. Based on the experiences of EU and the US, we suggest a combination of institutional supervision and functional supervision, a lower entry with more workable measures be adopted to adapt to the new changes in the payment market.

关 键 词：互联网金融 第三方支付 金融监管 

分 类 号：F713.36[经济管理—产业经济]