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金融领域中各种资源的重置以及各种要素的优化重组叫做金融创新。无论是从客观方面来看还是从主观方面来看金融体系的稳定都得益于金融创新,然而金融创新并不是百利无一害的。金融创新有其自身的弊端,如它有可能带来金融软弱性,风险传递性以及金融机构在从事金融活动时由于内外因素的波动使金融机构遭受损失等,给金融稳定带来负面的影响。本文以第三方支付为例,通过分析第三方网上支付的现状、问题和风险,进而提出监管建议。
The resettlement of various resources in the financial field and the optimization and reorganization of various elements are called financial innovations. Whether from the objective aspect or from the subjective point of view, the stability of the financial system benefits from financial innovation. However, financial innovation is not perverse. Financial innovation has its own drawbacks. For example, it may bring financial weakness, risk transmission, and the financial institutions suffer losses due to the fluctuation of internal and external factors when financial institutions are engaged in financial activities, which will have a negative impact on financial stability. This paper, taking the third-party payment for example, analyzes the status quo, problems and risks of third-party online payment and then puts forward regulatory suggestions.