第三方支付体系:兴起、宏观效应及国际监管

The Third Party Payment System:Development,Macro- effects and International Regulation

第三方支付体系的基本范畴包括第三方支付工具、机构和服务设施等,其产生和发展的理论基础是货币名目论及双边市场平台理论。第三方支付体系能节约交易成本,提高经济效率。伴随网络经济的爆炸式增长,第三方支付体系也沉淀了大量的资金,其提供的附加服务也越来越类似于商业银行,并初步具备信用创造功能,产生了宏观经济效应以及滋生各种风险,必然引起国际社会的关注和监管。

The third party payment system include instruments , institutions and service infrastructure , they are beneficial for raising economic efficiency and saving trade cost supported by two economic theories ：Nominal Theory of Money and Two-sided Market Theory.Along with the explosive growth of network economy , the third party pay-ment system has deposited amount of funds , so they can serve as a credit intermediation like commercial banks more and more.The bank-like service with macroeconomic effects and potential risks would be focused on by the international regulatory authorities.