CAJ | 학술논문

现行《中国人民银行法》将支付清算系统运行和系统参与者割裂，存在管理职责不清、手段不足和对支付工具的管理缺乏完善等问题。因此，建立健全完备的监管框架，划清对支付体系监督管理的职责和权限，提升相关法律依据的层级，完善支付结算法规体系，加强对支付体系的监管，是确保我国支付体系安全稳定运行的切实有效的举措。
현행《중국인민은행법》장지부청산계통운행화계통삼여자할렬，존재관리직책불청、수단불족화대지부공구적관리결핍완선등문제。인차，건립건전완비적감관광가，화청대지부체계감독관리적직책화권한，제승상관법률의거적층급，완선지부결산법규체계，가강대지부체계적감관，시학보아국지부체계안전은정운행적절실유효적거조。
The current "law of the people's bank of China" separates the operation and participants of payment and settlement systems, there exists problems such as unclear management responsibility, lack of means and lack of the perfect management of payment tool. Therefore, we should establish and improve the comprehensive regulatory framework, clear responsibility and authority of supervision and management of the payment system, improve the relevant legal basis level, perfect the rules for settlement of payment system, and strengthen the supervision of payment system, which are concrete and effective measures to ensure safe and stable operation of our payment system.