当前,人民币国际化和对外开放为整个中国零售支付领域提供了巨大的蛋糕和空间,未来这个领域能否健康发展,依赖于支付生态环境和规则是否更加健全。近年来,金融产品的发展十分迅速,已经和每个人的生活与行为密不可分。而随着金融创新不断加快,侵害个人利益的各类灰色、黑色乃至白色的金融活动越来越多,金融消费者保护已经成为国家战略的重中之重。为此,我国需要进一步规范金融理 At present, the internationalization of the renminbi and opening up to the outside world have provided huge cakes and space for the entire Chinese retail payment sector. Whether or not this area can develop healthily depends on whether the ecological environment and rules are more sound. In recent years, the development of financial products has been very rapid and has been inextricably linked to everyone’s life and behavior. With the continuous acceleration of financial innovation, there are more and more financial activities that infringe upon personal interests, including gray, black, and even white. Financial consumer protection has become the top priority of the national strategy. To this end, China needs to further regulate financial management.