| 基于功能视角的第三方支付平台监管研究 |
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| 引用本文： | 王雅龄,郭宏宇.基于功能视角的第三方支付平台监管研究[J].北京工商大学学报(社会科学版),2011,26(1):91-95. |
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| 作者姓名： | 王雅龄 郭宏宇 |
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| 作者单位： | 青岛大学经济学院;外交学院国际经济学院; |
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| 摘 要： | 随着第三方支付平台的迅猛发展,对监管的要求也日新月异。从功能角度对第三方支付平台进行深入分析,沉淀资金、虚拟货币、平台商务和网络技术是第三方支付平台的基本风险模块。建议设立以征信体系为轴心的"伞形"功能型柔性监管机制,切实作好在途沉淀资金的风险隔离,严格监管第三方支付工具的货币创造。
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| 关 键 词： | 第三方支付 功能型监管 风险模块 |
Research on Regulation of Third-party Payment Platform in Functional Perspective |
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| Wang Ya-ling,Guo Hong-yu.Research on Regulation of Third-party Payment Platform in Functional Perspective[J].Journal of Beijing Technology and Business University:Social Science,2011,26(1):91-95. |
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| Authors: | Wang Ya-ling Guo Hong-yu |
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| Institution: | Wang Ya-ling1 & Guo Hong-yu2(1.Qingdao University,Qingdao,266071,China,2.China Foreign Affairs University,Beijing,100037,China) |
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| Abstract: | With rapid growth of the third-party payment platform,financial regulation policies need change.The risk of the online payment platform,for functional regulation,consists of four modules,which includes deposits fund,virtual money,platform business and network technology.We suggest that the regulator establish functional regulation with soft mechanism in umbrella form,to isolate the risk of deposits and limit the creation of virtual money. |
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| Keywords: | third-party payment functional regulation risk module |
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