央行视角的互联网金融支付体系管理研究

发布时间：2018-05-19 16:48

本文选题：互联网金融 + 支付方式　；参考：《宁夏大学》2017年硕士论文

【摘要】：近年来,随着互联网技术和金融业务的深入结合,互联网金融蓬勃发展,引导支付方式创新的支付服务组织第三方支付机构已成为我国支付服务市场和经济金融发展中不容忽视的中坚力量,助推了一系列支付方式的变革与创新。为我国金融体系建设核心基础设施的支付体系带来了前所未有的挑战和机遇。互联网金融相关内容于2014年第一次写入政府工作报告,从而为互联网金融提供了强有力的政策保障,为互联网金融的可持续发展铺平了道路。2016年年初,在召开的人民银行支付清算工作会议上,主管支付结算的副行长深入解读了互联网金融的发展趋势,以及对支付结算业务的影响,明确了对互联网金融支付体系发展的监管方向和策略。本文在对互联网金融支付方式深入研究的基础上,通过比较分析法和SWOT分析法,从优化支付效能、实现金融资源共享、支付资金风险、法律法规制度等方面全面分析研究了互联网金融模式下支付方式对支付体系的影响、挑战、优势和机遇。通过对比研究发现,互联网金融模式下的支付方式的创新,给我国支付清算体系带来了巨大的冲击和影响。然而,业务快速发展中暴露出的各种问题不得不引起我们的高度关注,如何对新型支付方式从政策法规、业务流程、风险控制等方面进行有效监管,促进支付体系健康有序可持续发展,成为我们高度重视和关注的问题。
[Abstract]:In recent years, with the deep integration of Internet technology and financial services, Internet finance is booming. The third-party payment organization, which guides the innovation of payment mode, has become the backbone of payment service market and economic and financial development in China, and has promoted a series of changes and innovations of payment methods. It brings unprecedented challenges and opportunities for the construction of core infrastructure payment system in China's financial system. Internet finance-related content was first included in the government work report in 2014, providing a strong policy guarantee for Internet finance and paving the way for the sustainable development of Internet finance. At the working meeting of the people's Bank of China on payment and settlement, the vice governor in charge of payment and settlement had a thorough understanding of the development trend of Internet finance and its impact on payment and settlement business. It clarifies the supervision direction and strategy of the development of Internet financial payment system. Based on the in-depth study of Internet financial payment methods, this paper, by means of comparative analysis and SWOT analysis, aims to optimize payment efficiency, realize financial resource sharing, and pay fund risk. In this paper, the influence, challenge, advantage and opportunity of payment mode on payment system under Internet financial mode are analyzed. Through the comparative study, it is found that the innovation of payment mode under the Internet financial model has brought great impact and influence to the payment settlement system of our country. However, various problems exposed in the rapid development of business have to arouse our high attention. How to effectively supervise the new payment methods from the aspects of policies, regulations, business processes, risk control, and so on, To promote the healthy and orderly development of the payment system has become a problem that we attach great importance to and pay close attention to.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2;F724.6

【参考文献】