市县级区域非金融支付发展困境与监管思路——以武威市为例

The Study on the Development Dilemma and Regulation Ideas of Non-financial Payment in Municipal and County-level Areas——A Case of Wuwei City

非金融支付服务打破了传统银行业金融支付一统天下的局面,支付市场主体多元化,产品日趋丰富,方便了消费者选择,活跃了支付市场,但支付服务市场无序涌入、案件频发、监管缺位等弊端也迅速显现。在现有制度安排下,市县两级人民银行履行支付市场监管职责,必须转变监管思路,探索用市场化监管手段管理非银行支付机构和非金融支付市场。

Non-financial payment services have broken the situation that the whole financial payment business is controlled by the traditional banking industry. The diversification of the payment market and increasingly rich payment products provide convenience for consumers to make a choice and make the payment market active. However, the disorder influxes of the payment service market,frequent occurrence of illegal cases and lack of regulation have been happening quickly. Under the existing institutional arrangement,in order to fulfill their regulatory duties of the payment market, it is necessary for municipal and county-level sub-branch of PBC to transfer regulation ideas, to be centered around ideas of＂streamlining administration and delegating power, combination with delegating power and strengthening regulation, and optimizing service＂, and to explore to apply the market regulation methods to manage non-bank payment institutions and non-financial payment market.