摘要
随着互联网技术的快速发展与普及,国内的线上支付清算市场中第三方支付机构逐渐向清算领域渗透,使银行卡组织主导的传统"四方模式"受到挑战。本文从分工的视角对银行卡清算模式的演变历程进行了梳理,并在此基础上对国内第三方支付清算模式进行了理性的剖析,认为目前互联网的技术发展和组织形式变化,并没有给清算环节的分工带来实质性的变化,"新清算模式"只是在特定制度环境下传统清算模式的变通形式。
In China, with the development and popularity of the Internet, payment institutes have gradually engaged in clearing business, which is challenging the traditional Four-Party Scheme. This paper uses the theory of labor division to analyze the evolution of the bank card clearing methods in past years and the new clearing method in China, which is created by payment institutes in the Intemet era. This paper argues that current Internet technology has not promoted further evolutions of the Four-Party Scheme, and the new clearing method is just a variation of traditional card clearing methods in China＇s specific system.
出处
《金融监管研究》
2015年第11期92-103,共12页
Financial Regulation Research
基金
中国社科院金融所支付清算研究中心重点课题“互联网对银行卡清算模式的冲击和影响”的阶段性成果之一
关键词
互联网
银行卡清算
第三方支付
Intemet
Bank Card Clearing
Third-Party Payment
Four-Party Scheme
