非银行支付机构国际监管问题研究--基于Wirecard事件分析

Research on International Supervision of non-bank financial Institutions:Based on Wirecard Company’s Allegation

2020年6月,德国金融科技企业Wirecard财务造假事件曝光,造成大量用户交易受限和账户冻结,被称为“战后德国历史上最严重的金融不当行为”。事件反映出非银行支付机构国际监管在监管主体设置、备付金管控、市场退出机制等方面存在诸多问题。本文在梳理事件经过、分析问题成因的基础上提出了相应的政策建议。

In June 2020,the financial fraud of German fintech company Wirecard was exposed and its collapse affected millions of users.With payments terminated and accounts frozen,the sandal is called"the biggest corporate scandal in post-war Germany".Although supervisory authorities have been protecting consumer sovereignty,deficiencies of payment regulatory construction,safeguarding enforcement,and business wind-up system still exist in international supervision of non-bank financial institutions.Going through the Wirecard fraud,we analyzed the flaws in international supervision and made corresponding policy recommendations.