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电子支付市场监管问题比较研究 被引量:2

Comparative Research on Regulatory Issues of Electronic Payment Market
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摘要 电子支付市场宜同时采用机构监管与功能监管并明确监管目标为竞争、创新、经营稳健及服务使用者,而依法监管、适度监管和分类监管为三个最值得坚持的原则。保留备付金专户存储要求,取消比例要求及商业银行协作监督,允许用信托、保单或担保取代专户存放。允许运用备付金进行"投资",通过信托形式将收益分配给支付机构,并逐步扩大投资范围。将"中国人民银行确定的其他支付服务"修正为"中国人民银行确定的其他业务",并通过个案审批方式逐步扩大业务范围,甚至允许有限制地发放贷款。 Institutional and functional regulation should be adopted in electronic payment market simultaneously, competition, innovation, prudential management and servicing users be declared affirmatively,while principles of legal,proper and classified regulation are the most important ones which deserve to be insisted. The requirement of depositing reserves into a special account should be retained,ratio requirement and the demand of commercial banks for collaborative supervision cancelled,trust, insurance policy or guaranty be allowed to replace the first requirement. The use of reserves for investment should be allowed and gains be distributed to payment institution by trust,the scope of investment be expanded gradually. "Other payment services determined by the People 's Bank of China( PBOC) "should be amended to"other services determined by PBOC",the scope of business be expanded through ratification case by case and even be allowed to grant loans within a limit.
作者 钟志勇 ZHONG Zhi-yong(School of Law, Chongqing Technology and Business University, Chongqing 400067 Chin)
出处 《河北法学》 CSSCI 北大核心 2018年第4期106-113,共8页 Hebei Law Science
基金 2017年度国家社科基金<银行卡清算产业反垄断法规制研究>(17BFX104)的研究成果
关键词 电子支付 监管模式 监管目标 监管原则 监管措施 electronic payment regulatory modes regulatory objectives regulatory principles regulatory measures
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