数字经济背景下,我国网络支付市场的竞争政策与创新发展

The Competition and Development of Network Payment Market in China,Under the Background of Digital Economy

当前,世界经济正加速向数字化转型,深刻改变着人类社会的生产生活方式。作为数字经济的重要组成部分,我国网络支付发展成绩斐然。然而,伴随着产业地发展壮大,支付行业“垄断”的声音不绝于耳。今年两会期间,中国银联原董事长、全国政协委员葛华勇提出建议“出台政策禁止个别机构对支付市场的局部垄断”。本文从我国网络支付市场的竞争现状出发,结合数字经济发展规律和特点,对我国网络支付市场的竞争关系进行了剖析,并进一步探讨推动网络支付市场创新发展的建议,以期客观看待我国网络支付市场的竞争格局,保证竞争与创新协调发展,继续保持我国网络支付的国际领先地位。

At present,the world economy is speeding up the digital transformation,which is profoundly changing the production and life style of human society.As an important part of digital economy,China's network payment has made great achievements.However,with the development of industry,the voice of"monopoly"in payment industry is endless.During the National People's Congress and the Chinese Political Consultative Conference of this year,Ge Huayong,former chairman of China UnionPay and member of the National Committee of the Chinese people's Political Consultative Conference(CPPCC),put forward the proposal of"introducing policies to prohi bit local monopoly of payment market by individual institutions".Based on the current situation of competition in China's network payment market,combined with the law and characteristics of the development of digital economy,this paper analyzes the competitive relationship of China's network payment market,and further discusses the suggestions for promoting the innovation and development of China's network payment market,in order to objectively look at the competitive pattern of China's network payment market,ensure the coordinated development of competition and innovation,and continue to maintain the international leading position of China's online payment.