摘要
随着数字货币的发行,以微信支付为代表的移动支付的普及率将再次上升,但是随之带来的信用卡套现、洗钱等问题也不能忽视,本文通过分析以微信支付为代表的支付问题,对平台提出加强行业自律,建立风控模型、改变支付流程以及加强与其他移动支付平台的合作;对监管部门提出创建灵活风险准备金、逐步将微信支付等移动支付平台纳入新型金融机构,逐步放开政府公共数据资源,将微信支付平台纳入征信信息的开放、采集和合作对象等建议,促进移动支付产业更好的发展。
With the issue of digital currency, the use of mico-payments will again rose, but the problems of Credit card arbitrage and money-laundering become more and more serious.By ananlysing micro-payment problems,this paper provided platforms were supposed to strengthen industry self-discipline, establish risk control model,and communicate more about other mobile paid platforms.Besides regulatory sector should creat flexible risk reserves, and gradually include mobile paid platform into new financial institutions and open government data resources so that the micro-payments will be promoted steadly and better to serve the people.
出处
《特区经济》
2016年第5期80-81,共2页
Special Zone Economy
关键词
移动支付
微信支付
风险识别
风险防范
Mobile payment
Micro payment
Risk identification
Risk prevention
