摘要
近年来,第三方支付行业得到了迅猛的发展,支付机构客户备付金的数量急剧增长,这无疑为该方面的监管带来了难度,人民银行连续颁布文件以指导客户备付金的管理。鉴于文件中人民银行将部分备付金的管理权限授予了商业银行,本文运用博弈模型从人民银行应该采取放权管理还是自行监管的角度分析了支付机构客户备付金的监管策略。通过分析得出,人民银行应从社会负效应、监管成本、处罚力度几个方面进行考虑,以完善备付金的监管,并提出了相应的政策建议。
in recent years, the third party payment industry has been rapid development, the number of the payment institution customers to deposit growth, this has brought the difficulty is the supervision of the people＇s Bank, continuous issued documents to guide customers to deposit management. In view of the fact that the peo- ple＇s Bank of the file will be part of reserve management authority to the commercial banks, this paper use game model from the people＇s Bank should Lake the decentralization management perspective or self regulatory analysis of the payment institution customers to deposit the regulatory strategy. Through the analysis, the people＇s Bank should consider the social negative effect, cost of supervision, punishment aspects, in order to improve the provi- sion of the regulation, and put forward the corresponding policy recommendations.
出处
《江苏商论》
2015年第5期58-62,共5页
Jiangsu Commercial Forum
关键词
第三方支付
备付金
商业银行
监管
博弈
the third party payment
reserve
commercial banks
supervision
game theory
