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【评论】规范第三方支付市场是金融监管的必有之举

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admin 发表于 2021-1-22 09:14 PM | 显示全部楼层 |阅读模式
【评论】规范第三方支付市场是金融监管的必有之举

[comment] regulating the third party payment market is a necessary move for financial supervision
我国互联网企业
Internet enterprises in China
进入金融领域的范式和速度可谓日新月异。
The paradigm and speed of entering the financial field is changing with each passing day.
科技和金融迅速融合,科技产品和金融业务边界越来越模糊,
With the rapid integration of science and technology and finance, the boundaries between science and technology products and financial business have become increasingly blurred,
“赢家通吃”等带来了市场垄断和不公平竞争。
"Winner take all" and so on bring about market monopoly and unfair competition.
同时,我们的金融监管模式依然以分业监管、机构监管为主,
At the same time, our financial supervision mode is still based on separate supervision and institutional supervision,
对一些跨市场、跨行业、跨领域的交叉性金融,
For some cross market, cross industry and cross field finance,
监管尚存在空白,对非金融机构从事金融的行为监管偏少偏软,
There is still a gap in supervision, and the supervision of non-financial institutions engaging in financial activities is relatively weak,
这些都在一定程度上形成了金融风险隐患。
All of these, to a certain extent, form the hidden danger of financial risk.
它既考验监管者的勇气,也考验监管者的智慧。
It tests both the courage and wisdom of regulators.
当前,市场各方正在逐渐形成共识:
At present, all parties in the market are gradually forming a consensus:
新金融和传统金融都必须在有效监管环境下才能健康发展,
Both new finance and traditional finance can develop healthily only in an effective regulatory environment,
才能更好服务经济转型和新发展理念。在此共识之下,
In order to better serve the economic transformation and new development concept. Under this consensus,
规范非银行支付市场,是金融监管的必有之举。
Standardizing the non bank payment market is an inevitable move for financial supervision.
实际上,监管部门早在2013年就着手研究制定相关草案。今天我们看到的征求意见稿,在诸多方面作出了重大创新,具有很强的针对性。
In fact, the regulatory authorities started to study and formulate the relevant draft as early as 2013. The draft for comments we see today has made great innovations in many aspects and is highly targeted.
这一过程也充分体现了监管层在处理金融“创新与监管”这对矛盾体时的拿捏水平和治理能力。
This process also fully reflects the regulatory level and governance ability in dealing with the contradiction of financial "innovation and regulation".
我们看到,
We see,
近来国际上以比特币为代表的非官方数字货币市场暴涨暴跌,
Recently, the unofficial digital money market represented by bitcoin has gone up and down sharply,
导致一些投资者损失惨重。
This has led to heavy losses for some investors.
在国内,我国央行数字货币研究领跑全球,
In China, the research on digital currency of China's central bank leads the world,
一些城市正在有序推进数字货币试验,
Some cities are promoting digital currency experiments in an orderly manner,
说明在数字经济时代提升金融监管能力必须与时俱进。
It shows that in the era of digital economy, to improve the ability of financial supervision must keep pace with the times.
这不仅是我国金融业健康发展的需要,也是为国际金融监管提供“中国实践”“中国经验”。
This is not only the need for the healthy development of China's financial industry, but also provides "Chinese practice" and "Chinese experience" for international financial supervision.

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