CAJ | 학술논문

在互联网金融兴起的背景下，我国第三方支付创新加速向资金配置等金融领域渗透，对其现行监管框架提出了挑战。现阶段我国第三方支付监管存在立法层级较低、准入门槛过高、单一机构监管模式不适应业务新发展、监管有效性不足等问题。应在充分考虑现阶段第三方支付市场发展特征的基础上．借鉴欧盟和美国相关监管经验，尽快实现第三方支付领域机构监管与功能监管相结合、较低准入门槛与有效过程监管相配套的新型动态监管模式。
재호련망금융흥기적배경하，아국제삼방지부창신가속향자금배치등금융영역삼투，대기현행감관광가제출료도전。현계단아국제삼방지부감관존재입법층급교저、준입문함과고、단일궤구감관모식불괄응업무신발전、감관유효성불족등문제。응재충분고필현계단제삼방지부시장발전특정적기출상．차감구맹화미국상관감관경험，진쾌실현제삼방지부영역궤구감관여공능감관상결합、교저준입문함여유효과정감관상배투적신형동태감관모식。
With the rising of internet finance, the innovations of third-party payment services in China target in financial areas such as funds allocations which raise big challenges to its current supervisory framework. Reforms have to be in place to address issues such as low legislation level, high entry to the market, simple supervision model and ineffective supervision. Based on the experiences of EU and the US, we suggest a combination of institutional supervision and functional supervision, a lower entry with more workable measures be adopted to adapt to the new changes in the payment market.