国内移动支付产业规制研究  

Research on the Regulations of the Domestic Mobile Payment Industry

作　　者：王靖博 WANG Jingbo(People’s Public Security University of China,Beijing 100032)

机构地区：[1]中国人民公安大学,北京100032

出　　处：《中国商论》2023年第18期93-96,共4页China Journal of Commerce

摘　　要：我国移动支付凭借使用便利、适用场景多样化、安全性能高等特点已成为国民日常生活中的主要支付方式,同时移动支付正逐步在国内、国外快速传播。移动支付的迅猛发展使其自身存在的问题和风险逐渐显露。移动支付是近年随着移动终端工具和移动通信网络的发展产生的新兴事物,所以我国对移动支付的问题监管与风险防控仍有不足,这在很大程度上限制并阻碍了移动支付的发展与进步。因此,本文通过系统地剖析移动支付存在的问题与风险,分析了移动支付规制的现状,并对其从产业链主体、移动支付用户、行政机构、完善相关法规四个层面提出解决问题和风险防控的规制建议,以供参考。Mobile payment in China is becoming the main payment method in daily life because of its convenience,diversified application scenes and high-security performance,and mobile payment is gradually spreading rapidly domestically and intermnationally.The rapid development of mobile payment also makes its problems and risks gradually exposed.Since mobile payment is an emerging thing in recent years with the development of mobile terminal tools and mobile communication networks,the supervision and risk prevention and control of mobile payment in China are still insufficient,which limits and hinders the development and progress of mobile payment to a large extent.Therefore,this paper analyses the problems and risks of mobile payment and the current situation of mobile payment regulation systematically and profoundly and puts forward the regulation proposals to solve the problems and prevent and control the risks at four levels,namely,the main body of the industry chain,the users of mobile payment,the administrative institutions,and the improvement of the relevant regulations,for reference.

关 键 词：移动支付 产业规制 风险监管 移动终端 产业链主体 

分 类 号：F713.36[经济管理—产业经济]