互联网支付风险及监管研究

Research on the Risk and Regulation of Internet Payment System

互联网支付在中国发展较早,相关风险监管措施建立的较为健全。在分析互联网支付风险基础上,本文认为在中国当前形势下,互联网支付企业的最大风险是战略风险,即如何让消费者接受企业的服务。同时,本文认为由于支付没有涉及到资金的跨期转移,因此针对互联网支付的风险监管是主要做好平台自身的风险管理体系建设。最后,本章对互联网支付平台的监管进行了简要回顾,并提出政策建议。

Internet payment system developed early in China, and the related institutional arrangement has been established. Based on the risk analysis of internet payment system, this chapter argues that internet payment provider＇s biggest risk is strategic risk— how to make consumers accept its services. At the same time, this chapter argues that because internet payment system does not involves capital allocation across periods, so risk regulation of internet payment system should focus on the internet payment provider＇s themselves. Finally this chapter briefly reviews regulation of internet payment system and gives policy applications.