金融零售支付风险控制的现状、挑战与对策研究

Financial Retail Payment Risk Control:Current Status,Challenges,and Countermeasures

随着我国金融开放、普惠金融与金融科技的发展,金融零售支付产业正在由高速度增长向高质量增长转型升级,当前金融零售支付风险呈现出更加复杂严峻的态势。新型冠状病毒肺炎疫情的发生,使得人们的消费和支付习惯发生了很大变化,已经对金融零售支付风险控制研究提出了新的课题。本文分析了金融零售支付风险控制的新特点与不足,梳理了金融零售支付风险控制的现状,产业主体在合规履职、账户管理、交易监测、信用评估、数据安全、身份验证、技术风险等七方面的挑战。研究提出了关键在于建立完善与复杂严峻态势相匹配的全面风险管理体系与智能风控体系的观点,具体从数据共享、智能模型、系统架构、管理体制、人才培养五方面提出了对策建议。

The development of financial openness,inclusive finance,and financial technologies in China is transforming and upgrading its financial retail payment industry from high-speed to high-quality growth;consequently,the risks for financial retail payment currently present a more complex and severe situation.The COVID-19 epidemic has changed people’s consumption and payment habits and raised new topics on risk control of financial retail payment.This study explores the demand for risk control of financial retail payment in China by analyzing the new characteristics of financial retail payment and the deficiencies in the risk control.It then summarizes the current status of the risk control and the major challenges from seven aspects:compliance performance,account management,transaction monitoring,credit evaluation,data security,identity verification,and technical risks.We conclude that the establishment and improvement of a comprehensive risk management system and an intelligent risk control system that match the complex and severe situation is the key to financial retail payment risk control.Furthermore,we propose several countermeasures specifically from five aspects:data sharing,intelligent model,system design,management system,and talent training.