摘要
新世纪以来,我国经济社会快速发展,支付体系作为金融体系的重要组成部分,也步入了新发展阶段,支付产品和服务不断创新和丰富,这给社会公众带来了极大便捷,但也产生了诸多监管挑战。为此,本文将立足我国实际情况并借鉴国际先进监管经验,审视我国支付体系监管的现状和存在问题,提出相关完善建议。
The payment system is an important part of the financial system,and its safe and efficient operation is also of great significance for promoting financial business innovation,maintaining financial stability,and serving the real economy to step into innovation.Since the new century,my country’s economy and society have developed rapidly,and the construction of the payment system has entered a new stage of development.The main body of the payment service market has continued to expand,and payment products and services have continued to innovate and enrich.This has brought great convenience to the public,but also Many regulatory challenges have arisen.Looking at the supervision practices of foreign payment systems,although different regulatory frameworks have been formed due to differences in many factors,they have common trends.To this end,this article will base on my country’s actual conditions and learn from international advanced experience,examine the current situation and existing problems of my country’s payment system supervision,and propose relevant suggestions for improvement.
作者
高爽
张文畅
GAO Shuang;ZHANG Wenchang
出处
《吉林金融研究》
2022年第3期71-74,共4页
Journal of Jilin Financial Research
关键词
支付体系
监管框架
国际经验
建议
payment system
regulatory framework
international experience
suggestion
