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支付机构8月份频领罚单

2017-09-01 07:31:40   中国经济网

专家认为,未来第三方支付行业的发展将不再是单纯的规模扩张,而是不断加深行业细分实现创新性发展

■本报见习记者 杜雨萌

在第三方支付凭借其需求频次高等特点,成为互联网金融必争之地时,伴随而来的,也是其逐渐暴露出的违规行为。基于此,近年来监管层对于第三方支付机构处罚的频率和力度正在逐步加码。

昨日,万里常安海外风险研究院高级研究员吴琦在接受《证券日报》记者采访时表示,自1999年国内首家第三方支付公司成立以来,第三方支付行业迅猛发展,随着业务规模的不断扩张,洗钱、诈骗等许多行业乱象也开始凸显。针对第三方支付行业的多重乱象,央行从两方面做出了回应:一是缩紧牌照,限制新企业进入。二是重拳处罚,加强对现有企业的监管。

具体来看,昨日在央行上海分行公布的最新行政处罚信息中,又有一家第三方支付公司被处罚,即上海金诚通电子支付服务有限公司因违反支付业务规定,被处以1万元人民币罚款。据不完全统计,自8月中旬以来,央行上海分行已对14家支付机构开出罚单,罚款金额合计280万元。此外,易联支付机构也因违反银行卡收单业务管理规定而被央行广州分行开出罚款超过60万元的处罚。

吴琦表示,从央行的实际行动可以表明,当前支付服务市场已经进入强监管时代,未来将向规范化、标准化方向发展,以实现支付服务市场的良性有序竞争,防范第三方支付行业不断积聚的潜在金融风险。

事实上,自《互联网金融风险专项整治工作实施方案》及《非银行支付机构风险专项整治工作实施方案》等在内的一系列互联网金融专项整治方案发布以来,针对第三方支付机构的具体整治重点与内容越发明确,尤其是提出“一般不再受理新机构设立申请。”

“央行控制第三方支付牌照的发放情况,主要是出于两方面考虑:一是防控金融风险。控制牌照发放有助于引导现有机构的规范经营,守住不触发金融系统性、区域性风险的底线,避免第三方支付行业成为非法转移资金、洗钱、诈骗等行为的温床;二是促进良性竞争。目前第三方支付行面临产品同质化、机构发展不均衡等问题,存在市场恶性竞争的现象,降低牌照发放速度有助于促进现有机构差异化、专业化发展,增强企业合规意识及创新意识。” 吴琦认为,未来第三方支付行业的发展将不再是单纯的规模扩张,而是不断加深行业细分实现创新性发展,并未为客户提供更加丰富及便利的产品和服务。

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