一点清算模式下支付系统参与者监管探析

摘要

人民银行第二代支付系统已于2015年4月完成全国推广，所有支付系统参与者均实现了“一点清算”的管理模式，资金清算模式的转变对人民银行监管支付系统参与者提出了新挑战。本文论述了人民银行强化支付系统参与者监管的必要性，分析了一点清算模式对参与者监管的影响，归纳了当面参与者监管面临的挑战，并提出了对策建议。%The 2nd generation of China National Advanced Payment System has completed promotion nation-widely in April 2015. All payment system participants have realized one-point clearing mode. The transformation of fund clearing mode has made new challenges to regulating payment system participants. The paper discusses the necessity to strengthen the regulation on the payment system participants, analyzes the impact of one-point clearing mode on regulating the payment system participants, summarizes the challenges faced by PBC to regulate the payment system participants, and puts forward suggestions. It is hoped that it will be a certain reference for PBC to regulate the payment system participants in the future.