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蚂蚁金服被约谈 “无现金”惹争议
2017-08-14 09:19:36 中国经济网
不过,与中国不同的是,北欧国家“无现金社会”的主导者是传统银行,而非新兴的互联网巨头。比如,丹麦流行的支付应用MobilePay由丹麦主要银行共同推出,瑞典主要银行联合开发了“Swish”的支付应用。
董希淼认为,相关支付机构不应该将“无现金”支付等同于自身的支付产品。
根据中国人民银行发布的《中国支付体系发展报告(2016)》列明“非现金支付工具”共有四种:票据、银行卡、结算方式、网络支付。该报告同样显示,2016年我国银行卡消费额占全年社会消费品零售总额的比重为48.47%。
董希淼指出,非现金支付涉及货币流通和支付清算体系建设等多个方面。依照相关法律,中国人民银行不仅负责发行人民币,管理人民币流通,还要制定全国支付体系发展规划,统筹协调全国支付体系建设并负责支付清算系统正常运行。
董希淼表示,“下一步,应由中国人民银行牵头,商业银行、支付机构、清算组织等共同参与,进一步完善支付基础设施,规范发展支付服务组织,健全社会信用体系,逐步提高非现金支付结算比例。这个过程中,地方政府要维护好公平公正的市场秩序,切不可越俎代庖。”
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