[1]钟志勇.支付系统监管机构重构论[J].金融教育研究,2021,(02):44-50.
　ZHONG Zhiyong.On Reorganizing the Regulatory Authority of Payment System[J].,2021,(02):44-50.
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支付系统监管机构重构论()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2021年02期
页码:
44-50
栏目:
出版日期:
2021-03-25

文章信息/Info

Title:
On Reorganizing the Regulatory Authority of Payment System
文章编号:
2095-0098(2021)02-0045-06
作者:
钟志勇
重庆工商大学,重庆 400067
Author(s):
ZHONG Zhiyong
Chongqing Technology and Business University,Chongqing 400067,China
关键词:
支付系统;  监管机构;  支付系统监管
Keywords:
Payment System;  Regulatory Authority;  Payment System
分类号:
F832.1
文献标志码:
A
摘要:
重构支付系统监管机构的必要性在于:中国人民银行监管法律依据不足; 监管机构之间职责交叉; 中国人民银行承担的角色过多。支付系统监管机构的监管目标为竞争、创新、服务使用者与经营稳健。将中国人民银行支付结算司重组为相对独立的支付系统监管局,并将零售支付系统纳入其监管范围。支付系统监管局应拥有指示权、针对系统管理规则提出要求的权力、要求运营商同意他人接入的权力、协议修改权,包括确定最高收费的权力、要求所有人处置其支付系统利益的权力及反垄断执法权。
Abstract:
The necessity of reorganizing the regulatory authority of payment systems lies in:lack of legal support for regulation by the People’s Bank of China(PBOC); overlapping responsibilities of different regulatory authorities; too many roles undertaken by the PBOC.The regulatory objectives for payment system authority are competition,innovation,service for users and prudential operation.The Payment and Settlement Department of the PBOC should be reorganized as the Payment System Authority which regulates retail payment systems and enjoys relevantly independence.The Payment System Authority should have the following powers:the power to issue instructions; the power to make requests about management rules of payment systems; the power to ask for a payment system operator to agree others’ access; the power to amend agreements between payment system operator and its user,including the power to determine the price ceiling; the power to ask for owners of the payment system to dispose their interests; and the power to enforce antitrust law.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2020-05-10
基金项目:国家社会科学基金项目“银行卡清算产业反垄断法规制研究”(17BFX104)
作者简介:钟志勇(1970-),男,湖南湘阴人,博士,教授,研究方向为金融法。
更新日期/Last Update: 2021-04-10