西部金融
西部金融
서부금융
WEST CHINA FINANCE
2014年
8期
48-52
,共5页
第三方支付%风险监管%互联网金融
第三方支付%風險鑑管%互聯網金融
제삼방지부%풍험감관%호련망금융
third-party payment%risk regulation%internet finance
随着电子商务的快速崛起，第三方支付应运而生、蓬勃发展，但风险也日益凸显。本文从其内涵、特征、规模及竞争格局入手，详细阐述第三方支付的沉淀资金、操作风险等风险点，并通过比较欧美国家和我国对第三方支付的监管模式，指出我国监管的不足之处。在此基础上，本文提出强化监管框架、成立第三方支付平台消费者保护基金、调整货币统计监测范围等政策建议。
隨著電子商務的快速崛起，第三方支付應運而生、蓬勃髮展，但風險也日益凸顯。本文從其內涵、特徵、規模及競爭格跼入手，詳細闡述第三方支付的沉澱資金、操作風險等風險點，併通過比較歐美國傢和我國對第三方支付的鑑管模式，指齣我國鑑管的不足之處。在此基礎上，本文提齣彊化鑑管框架、成立第三方支付平檯消費者保護基金、調整貨幣統計鑑測範圍等政策建議。
수착전자상무적쾌속굴기，제삼방지부응운이생、봉발발전，단풍험야일익철현。본문종기내함、특정、규모급경쟁격국입수，상세천술제삼방지부적침정자금、조작풍험등풍험점，병통과비교구미국가화아국대제삼방지부적감관모식，지출아국감관적불족지처。재차기출상，본문제출강화감관광가、성립제삼방지부평태소비자보호기금、조정화폐통계감측범위등정책건의。
With the rapid rise of e-commerce, the third-party payment comes into being and flourishes, but risks are also increas-ingly prominent. The paper elaborates the risk of precipitation funds, operational risk and so on from its content, features, scale and competition, then points out the lack of supervision by comparing the United States, Europe, and China’s regulatory model for the third-party payment. Finally the paper puts forward some targeted suggestions like strengthening the regulatory framework, establish-ing the consumer protection fund of third-party payment platform, and adjusting statistical monetary monitoring scope, etc.
