第三方支付平台监管改进路径研究

Research on the Improvement path of Third-Party Payment Platform Supervision

本文紧扣十四五规划中对金融监管的论述,指出第三方支付平台发展给社会带来进步的同时,也暴露了现有监管体系的不足。其中本文重点关注监管在市场竞争、数据保护以及由支付平台金融创新给现有监管体系带来的不适应问题。尔后,依据推动实体经济,实现普惠金融的监管改进方向,认为同时推进支付市场竞争监管与数据保护监管以及深化功能监管等措施,化解监管中的痛点,进而促进支付平台的健康发展。

This paper closely follows the discussion on financial supervision in the Fourteenth Five Year Plan, pointing out that the development of third-party payment platforms brings progress to society, but also exposes the shortcomings of the existing regulatory system. Among them, this paper focuses on the maladjustment of the existing regulatory system caused by market competition, data protection and financial innovation of the payment platform. Later, based on promoting the real economy and realizing the direction of regulatory improvement of inclusive finance, it was believed that measures such as promoting the supervision of payment market competition and data protection, as well as deepening functional supervision should be taken at the same time to resolve the pain points in the supervision, so as to promote the healthy development of the payment platform.