关于新型金融服务中代收业务相关问题的思考

Thoughts on the Collection Business in the New Financial Service

随着金融创新模式迅速发展,支付业务正加速与金融业务跨界融合并重塑支付模式,不同场景资金划转环节中支付承担的角色日益加重。其中部分支付链条中的参与主体将大额、高风险的扣款行为通过代收业务完成资金转移,进而使收款方更加便捷划扣付款方资金,与此同时由于业务开展不规范导致用户资金安全问题逐渐暴露。本文结合市场发展的业务背景分析了新型金融服务中代收业务发展的痛点及原因,并提出相关措施。

With the rapid development of financial innovation model,payment business is accelerating cross-border integration with fi nancial business and reshaping the payment model,and the role of payment in diff erent scenarios of fund transfer is increasing.Some of the participants in the payment chain transfer large and high-risk deductions through the collection business,which makes it more convenient for the cashier to deduct the payer's funds.at the same time,the problem of user capital security is gradually exposed due to non-standard business development.Combined with the business background of market development,this paper analyzes the pain points and reasons for the development of collection business in new fi nancial services,and puts forward relevant measures.