零售支付体系的全球经验及中国的发展

摘要

In recent years, online payment, mobile payment and other emerging retail payment systems are developing fast, form-ing a racing pattern together with traditional retail payment system such as bank cards. It has played an important role in pushing the in-ternet financial development, improving the financial service efficiency and promoting the financial inclusion. Based on the definition of the retail payment system, the paper studies the global experience of retail payment system, analyzes the present situation and prob-lems of Chinese retail payment system and puts forward relevant policy suggestions.%近年来，网络支付、移动支付等新兴零售支付体系高速发展，与银行卡等传统零售支付体系形成了并驾齐驱的格局，在推动互联网金融发展、提升金融服务效率、促进金融普惠方面起到了重要的作用。本文在对零售支付体系进行界定的基础上，研究了零售支付体系的全球经验，分析了中国零售支付体系的现状及问题，提出了相关政策建议。