支付数据治理:理论依据、有效路径及政策建议

Payment Data Governance:Theoretical Basis,Effective Paths and Policy Suggestions

随着支付数据价值的进一步凸显,支付数据治理受到越来越多的关注。支付数据治理的目的是在数据价值利用与数据安全风险之间取得平衡,其治理方式对于充分发挥数据要素对生产力的促进作用、释放数据价值红利、保护个人数据权益、维护国家数据主权和数据安全具有重要意义。对国内外数据治理研究现状进行述评,从数据治理的理论依据出发,深入分析支付领域数据治理的现状、主要问题及相关法律规制,指出支付数据治理受制度、管理、技术和市场四个因素的影响,围绕支付数据治理的原则、方式、责任和评价机制等方面构建支付数据治理的有效路径框架。完善支付数据治理体系,一是增强支付数据治理制度供给能力,加大执法监管力度;二是提升支付数据质量,做好支付数据分类分级管理;三是推动支付数据融合与协同治理能力建设;四是强化跨境数据流动管理,积极参与国际规则制定。

With the further highlighting of the value of payment data,payment data governance is receiving increasing attention.The purpose of payment data governance is to strike a balance between the utilization of data value and data security risks,its governance approach is of great significance for fully leveraging the promoting effect of data elements on productivity,releasing data value dividends,protecting personal data rights,and maintaining national data sovereignty and data security.This article first reviews the current research status of data governance at home and abroad.,Starting from the theoretical basis of data governance,it deeply analyzes the current situation,main problems,and relevant legal regulations of data governance in the payment field.It points out that payment data governance is influenced by four factors:system,management,technology and market.It also revolves around the principles,methods,responsibilities an effective path framework for payment data governance has been constructed in terms of evaluation mechanisms and other aspects.To improve the payment data governance system,the first is to enhance the supply capacity of the payment data governance system and increase law enforcement supervision;the second is to improve the quality of payment data and do a good job in the classification and classification management of payment data;the third is to promote the construction of payment data fusion and collaborative governance capacity;the fourth is to strengthen the management of cross-border data flows and actively participate in international rule-making.