摘要
随着互联网技术的普及,金融领域中跨境电子支付发展迅速,利用第三方支付平台进行跨境支付成为发展新热点。因此,对跨境支付现状及问题进行探究,对促进跨境支付的健康发展具有积极意义。立足国内外第三方跨境支付的现状,分析跨境支付的规模、发展优劣势,揭示跨境支付存在的信用风险、资金沉淀等问题。要促进国内第三方跨境支付的健康发展,需要从外部进一步完善法律法规、加大监管力度、提高市场准入门槛;从内部重视风险把控能力,加快实名机制的建立,以减少违规交易的产生。
With the popularization of Internet technology,cross-border electronic payment has been developed in the financial field rapidly,and cross-border payment through third-party payment platforms has become a new hot spot of development.Therefore,exploring the current situation and problems of cross-border payment is of positive significance to promoting the healthy development of cross-border payment.Based on the current situation of third-party cross-border payment at home and abroad,it analyzes the scale and development advantages and disadvantages of cross-border payment,and reveals the credit risk,capital precipitation and other problems existing in cross-border payment.To promote the healthy development of the third-party cross-border payment in China,it is necessary to further improve laws and regulations,strengthen supervision and market access threshold from outside;pay attention to risk control ability from internally,accelerate the establishment of real-name mechanism to reduce the generation of illegal transactions.
作者
王书涵
WANG Shu-han(Faculty of Humanities&Social Sciences,Nangjing 210037,China)
出处
《经济研究导刊》
2021年第28期79-81,共3页
Economic Research Guide
关键词
第三方跨境支付
发展历程
问题
发展措施
third-party cross-border payment
development process
problems
development measures
