非银行支付机构“本代本”交易及其风险研究

Research on"Inner-bank Direct Clearing"Direct Clearing Transaction of Non-bank Payment Institutions and Its Risks

随着支付服务应用场景不断丰富,各支付市场主体不断创新支付产品,为社会公众带来了安全高效的支付服务,但也出现了部分非银行支付机构依靠市场优势地位,依托支付场景逐渐构建了闭环运行的支付生态体系,“本代本”交易规模不断扩大,交易资金体内循环,交易监测不透明,不利于支付市场的公平竞争环境和支付风险的防范。本文从“本代本”交易的内涵出发,通过对其交易模式的分析,深入研究了“本代本”交易不断扩大的原因和可能带来的风险,并从加大行业监管力度、加强交易监测、提高监管科技运用和加强部门监管合力等方面提出了政策建议。

With application scenarios of payment services getting various,institutions involving in payment market innovate payment products constantly,which have provided secure and high effective payment services for the public.However,some payment institutions gradually build loop-locked payment ecosystems based on related payment scenario and their market superiority,resulting that"inner-bank direct clearing"transaction is expanding continuously,trading capital circulates within a loop-locked system,and the supervision of related transactions is non-trnsparent.All of these are bad for creating level playing field and eliminating payment risks.From the connotation of"inner-bank"transactions,this paper intensively studies the cause of the expanding"inner-bank direct clearing"transactions and its possible risks.And policy suggestions are provided in the aspect of increasing supervision,intensifying the transaction monitor,promoting the implement of regulating technology and improving the joint force of various sectors.