摘要
近年来,苹果、谷歌等科技巨头作为大型应用市场运营商,在各自应用市场如苹果的App Store、谷歌的Google Play提供应用程序内支付(In-App Purchase,IAP)服务,要求用户在其应用市场下载的应用程序内购买虚拟商品或服务时,只能使用其提供的交易系统进行支付,并对IAP的交易金额收取高额佣金,以获取巨额利益。针对科技巨头关于IAP的强制规定是否涉嫌垄断,全球主要国家和地区高度关注,并相继出台了相关应对措施。借鉴国际相关经验做法,并结合我国应用市场及电商等大型平台支付反垄断现状,建议推动出台支付领域反垄断法律法规及实施细则,加快建立网络支付“四方模式”,加强反垄断监管协作以激发市场活力。
In recent years,technology giants such as Apple and Google,as large-scale application market operators,provide in-app payment(In-App Purchase,IAP)services in their respective application markets(such as Apple’s App Store and Google’s Google Play),requiring When users purchase virtual goods or services in the application downloaded from the application market,they can only use the transaction system provided by the user to pay,and the transaction amount of IAP will be charged a high commission to obtain huge benefits.Major countries and regions around the world have paid close attention to whether the mandatory regulations on IAP by technology giants are suspected of monopoly,and have successively introduced relevant countermeasures.Drawing on relevant international experience and practices,combined with the current situation of payment anti-monopoly on my country’s application market and large-scale platforms such as e-commerce,it is recommended to promote the introduction of anti-monopoly laws and regulations and detailed implementation rules in the payment field,accelerate the establishment of a"quartet model"of online payment,and strengthen anti-monopoly supervision and cooperation to ensure stimulate market vitality.
作者
王玮
刘杰
刘晓霞
Wang Wei;LIU Jie;LIU Xiaoxia(Xian Branch PBC,Shaanxi,Xi'an 710075;Yulin Central Sub-branch PBC,Shannxi Yulin 719000)
出处
《西部金融》
2022年第7期56-61,共6页
West China Finance
关键词
支付
反垄断
金融监管
application
payment antitrust
regulation