普惠金融电子支付风险法律规制探析  

Analysis on the Legal Regulation of Electronic Payment Risk in Inclusive Finance

作　　者：余泽宇 王威 YU Zeyu;WANG Wei(Law School,Hunan University,Changsha 410081,China)

机构地区：[1]湖南大学法学院,湖南长沙410081

出　　处：《邵阳学院学报（社会科学版）》2024年第3期53-61,共9页Journal of Shaoyang University:Social Science Edition

基　　金：教育部重大攻关项目“科学构建数据治理体系研究”(21JZD036)。

摘　　要：电子支付是普惠金融服务开展过程中广泛应用的一种金融科技手段,可以根据提供服务的主体不同分为银行电子支付和非银行电子支付。银行电子支付风险主要包括技术风险、操作风险、合作异化风险以及规制风险等;非银行电子支付面临着支付机构法律属性不明、支付牌照非市场化管理混乱、技术依赖致使金融违法犯罪率偏高、支付账户资金沉淀诱发道德风险以及技术垄断导致“太大而不能倒”等风险。宏观方面规制电子支付风险需要梳理法律规制的价值并构建体系化规制系统;实际操作方面需要明确支付机构的属性、强化安全技术的要求并合理界分参与者的法律责任。Electronic payment is a kind of financial technology widely used in the development of inclusive financial.It can be divided into banking electronic payment and non-banking electronic payment according to the different subjects of providing services.The electronic payment risks of the banking industry mainly include technical risks,operational risks,cooperation alienation risks regulation risks,etc.;non-banking electronic payment may also face risks such as unclear legal attributes of payment institutions,chaotic non-market management of payment licenses,high financial crimes caused by technological dependence,moral hazard caused by the precipitation of payment account funds,and too big to fail caused by technological monopoly.To regulate the risk of electronic payment on a macro level,it is necessary to sort out the value of legal regulation and build a systematic regulatory system;in practical operation,it is necessary to clarify the attributes of payment institutions,strengthen the requirements of safety technology and reasonably divide the legal responsibilities of participants.

关 键 词：普惠金融 电子支付 法律规制 

分 类 号：D912.28[政治法律—民商法学]