第三方支付机构跨境外汇电子支付管理问题研究

The Research on Management of Cross-border Foreign Exchange Electronic Payment of the Third Party Payment Institutions

《金融业发展和改革"十二五规划"》明确提出"推广电子交易,不断提升金融业电子渠道交易替代率"。为促进支付服务市场健康发展,中国人民银行也出台了《非金融机构支付服务管理办法》,并陆续发放四批共196家非金融支付机构支付牌照,第三方支付机构跨境电子商务及跨境外汇电子支付业务蓬勃发展。但由于目前跨境外汇电子支付管理制度有待完善,容易成为异常外汇资金进出的便利渠道,因此需研究完善相应的监管政策,切实防范这方面潜在的外汇管理风险。

The ＂12th Five-Year Plan＂ on the Development and Reform of the Financial Sector has clearly put forward to promote electronic trading and improve the rate of substitution of electronic channels of the financial sector. To promote the healthy development of the payment services market, the People＇s Bank of China issued Management Approach of Non-financial Institution Payment Service, and had issued four batches of a total of 196 licenses ofnon-iinancial payment institutions, the cross-border e-commerce and cross-border foreign exchange of electronic payment business of third-party payment institutions is booming. But because the current cross-border foreign exchange electronic payment management system is not perfect, it is easy to become the convenient channel of abnormal foreign exchange funds outflow and inflow. Therefore, it demands a study on improving the regulatory policy to guard against the potential risk of foreign exchange administration.