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市场竞争的自发调节和监管规范的落实,将使部分经营不善的互联网第三方支付机构遭到淘汰。目前,对于支付机构的退市机制监管研究还不多。本文以我国第三方支付市场退出监管现状入手,借鉴传统银行市场退出的监管经验,提出支付机构市场退出遵守的基本原则。认为应当在专门监管机构设置、备付金保险制度、客户权益保障上作细化的规定,完善第三方支付的市场退出监管。
The voluntary regulation of market competition and the implementation of regulatory standards will result in the elimination of some third-party payment institutions that are not well run. At present, there are not many researches on the delisting mechanism of payment agencies. This article begins with the status quo of the withdrawal of third-party payment market in our country and draws lessons from the regulatory experience of withdrawing from the traditional banking market and puts forward the basic principle that the market of pay-off institutions abides. They think that the provisions of the special regulatory agencies, the reserve insurance system and the rights and interests of customers should be refined to improve the market exit supervision of third-party payment.