第三方支付企业监管差异化研究

内容2011年5月,中国人民银行第一批支付业务许可证的发放不仅预示着第三方支付企业将迎来更广阔的发展空间,也意味着我国政府将第三方支付企业纳入到正式的监管体系,对其监管将日趋规范化.第三方支付企业在规模、经营模式等方面都有所不同,如果采取“一刀切”的方法,对其进行大而统的管理,可能会影响监管效果,甚至最终影响第三方支付行业的发展.因此,通过科学的规划实现差异化监管,成为保证我国第三方支付行业健康发展的当务之急,也是本文研究的出发点.本文从分析现有监管体系的不足入手,对我国第三方支付企业的特点进行了深入分析,并在此基础上提出了对第三方支付企业实行差异化监管的具体对策建议

Study of Differentiated Supervision on Third-Party Payment Services Providers

The licenses granted by China’s central bank for the first time indicate not only the broader space for the third-party payment service providers but also the formal supervision for them.The third-party payment service providers are different in organizational size,operational modules.The unitary supervision methods will probably impair the effect of supervision and even influence the development of the third-party payment industry.Therefore,it is critical for the healthy development of the third party industry to realize the differentiation of supervision.The paper analyzed the characteristics of the third-party payment service providers and proposed the specified solutions and suggestions on the differentiated supervision of the third-party payment service providers.