关于电子支付四方模式下构建用户数字金融身份的底层逻辑研究  

A Study on the Underlying Logic of Constructing User Digital Financial Identity in the Context of the Four-party Electronic Payment Model

作　　者：徐承彦 罗泳涛 XU Chengyan;LUO Yongtao

机构地区：[1]中国银联支付学院 [2]中国银联品牌营销部

出　　处：《新金融》2025年第4期35-47,共13页New Finance

摘　　要：“十四五”时期,我国数字经济发展转向新阶段,要求支付领域提供更高质量、更有效率、更加公平、更可持续、更为安全的产业支撑。因此,本文基于学界数字身份概念,聚焦金融领域,从支付底层逻辑出发,提出了基于电子支付四方模式的用户数字金融身份方案,方案是对学界数字身份概念在金融领域的进一步延伸,其内涵包括了对自然人信息的数字化及对用户金融信息的数字化,方案支持将任何用户载体方和账户发行方纳入支付网络,助力跨境、跨账户互联互通落地实现,促进产业公平有序发展,降低总社会成本。同时,由于方案对应的系统实现与配套标准具备金融基础设施的特征,因此,在实现层面,建议将其作为国家级金融基础设施进行建设。During "the 14th Five-Year Plan" period,China's digital economy has entered a new stage,demanding higher quality,more efficient,fairer,more sustainable,and more secure for industrial support in payment field.Therefore,this paper is based on the academic concept of digital identity and focus on financial field.Starting from basic payment logic,the paper presents a user digital financial identity proposal based on the four-party electronic payment model.The proposal is a further extension of the academic concept of digital identity in financial field.Its connotation includes the digitalization of personal information and the users' financial information.The proposal supports the inclusion of any user carrier and account issuer into the payment network,facilitating the implementation of cross-border and account interconnection and interoperability.This promotes fair and orderly industrial development and reduces overall costs.Meanwhile,since the system implementation and supporting standards of the proposal have the characteristics of financial infrastructure,it is recommended to build it as a national-level financial infrastructure in terms of implementation.

关 键 词：数字金融身份 四方模式 互联互通 支付系统 

分 类 号：F832[经济管理—金融学]