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近年来,在非金融机构支付服务发展的带动下,我国互联网金融市场异常活跃,与此同时市场中也出现了一些风险事件。如何预防、处置非银行支付机构风险成为央行关注的新课题。在总结市场实践和国外经验的基础上,我们发现,通过市场主体事先作出契约式承诺,或由监管部门强制性要求非银行支付机构承担“先行赔付”义务,对保护金融消费者即客户的权益、维护金融稳定、及时有效处置互联网金融风险事件等都具有重要意义。
In recent years, driven by the development of non-financial institutions’ payment services, the Internet financial market in our country has been extremely active. At the same time, some risky events have emerged in the market. How to prevent and deal with the risks of non-bank payment agencies has become a new topic of concern to the central bank. On the basis of summing up the market practice and foreign experience, we find that by making a commitment in advance by the market players or by the regulatory authorities to obligate non-bank payment agencies to undertake the obligations of “first payment”, the government should protect the financial consumers, that is, customers Rights and interests, safeguarding financial stability, and timely and effective handling of Internet financial risk incidents are of great significance.