监管科技在零售领域快速支付系统风险管理中的应用与思考

The Application and Implications of RegTech in the Risk Management of the Retail Fast Payment Systems

本文阐述了监管科技(RegTech)和支付系统的概念,以零售领域快速支付系统为例,梳理出支付清算系统的主要风险点,从监管角度(SupTech)和行业合规角度(ComTech)分析大数据、人工智能、知识图谱等新技术在支付清算系统风险管理中的应用,提出相应的政策建议.

This paper introduces the concepts of RegTech and payment systems,sorts out the main risks of the payment system,and analyzes the major risks from the perspective of SupTech and ComTech,and summarizes the application of new technologies such as data,artificial intelligence,and knowledge graphs in the payment system risk management.Finally,this paper puts forward corresponding policy recommendations to support how new technologies can empower the healthy and sustainable development of payment and settlement risk management in China.