基于公共产品视域的第三方支付监管异化之矫正——兼论金融稳定委员会功能的完善

Correction of Alienation of Third Party Payment Supervision in the Perspective of Public Goods:On the Perfection of the Function of the Financial Stability Committee

在第三方支付快速发展背景下,如何实现有效监管成为人们关注的焦点。第三方支付以开放、平等、协作、分享为内在特征,原有监管体制是以集中管控为内在逻辑,依靠传统中心化监管的模式、理念、手段无法对第三方支付实现有效监管,进而呈现监管异化。应将监管视为公共产品,以公共产品理念融入监管体系始末,充分尊重相关利益主体的诉求,准确厘定第三方支付机构的性质,合理配置监管权力及监管机构间的协调机制,正确平衡监管与产业发展的合理界限;充分考量第三方支付发展个性化诉求,优化监管基础设施,增强监管的合规性,实现市场和社会的认同;以金融监管体制改革为契机,通过去中心化实现第三方支付监管异化的矫正。

Under the background of the rapid development of third party payment,how to achieve effective supervision has become the focus of attention.Third-party payment is characterized by openness,equality,cooperation and sharing.The original supervision system is based on the internal logic of centralized control.Relying on the traditional centralized supervision mode,concept and means,it is unable to achieve effective supervision of the third-party payment,and then presents the supervision alienation.We should regard supervision as public goods,integrate the concept of public goods into the supervision system,fully respect the demands of relevant stakeholders,accurately determine the nature of the third-party payment institutions,reasonably allocate supervision power and coordination mechanism between supervision institutions,correctly balance the reasonable boundary between supervision and industrial development,fully consider the personalized demands of the third-party payment development,and optimize the supervision foundation facilities,enhance regulatory compliance,achieve market and social recognition;take the financial regulatory system reform as an opportunity to achieve the correction of third-party payment regulatory alienation through decentralization.