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我国支付体系法规制度建设经过多年来不断探索,已初步建立起覆盖支付市场、支付工具、支付系统等方面的制度框架,基本实现了支付体系的有序发展。但随着支付体系深化发展,特别是在支付监管、支付创新、支付国际化等方面,现有法规制度难以有效适应。本文通过分析现有支付体系法规制度和国外相关经验做法,结合我国国情,提出了未来我国支付体系法规制度建设框架体系的设想。
After years of continuous exploration, China’s payment system and rules and regulations have initially established an institutional framework covering payment markets, payment tools and payment systems, and basically achieved an orderly development of the payment system. However, with the deepening of the payment system, especially in terms of payment regulation, payment innovation, payment internationalization, etc., the existing rules and regulations can not be effectively adapted. Based on the analysis of the existing regulatory system of payment system and relevant experience in foreign countries, this article proposes the framework of the regulatory system of payment system in China in the light of China’s national conditions.