内容摘要近年来，中国非银行支付市场快速增长，2013 年以前，以淘宝为代表的电商引领了中国非银行支付市场的增速。2013 年余额宝出现后，金融成为了新的增长点。2016 年，春节微信红包的出现使转账成为了交易规模的增长动力。2017 年由于客户线下移动支付习惯的养成，线下消费成为新的交易规模增速支撑点，非银行支付也开始迈向移动支付时代。随着非银行支付机构的发展壮大和业务规模的持续增长，非银行支付的风险也越来越受到各方重视，我国监管机构采取了相应的措施以规范行业行为，保证支付的健康、长久、有序发展。比如提高市场准入，颁发支付牌照，实行备付金集中存管，要求实名制注册，规范化管理扫码支付与电子货币，促进行业良性发展。本文通过对我国非银行支付发展现状、面临的风险及监管现状分析，提出了监管中存在的难点，并针对这些难点提出了相应的监管对策，首次创新性提出将备付金的相关信息对外进行披露。希望本文能为非银行支付机构的监管进一步完善，提供参考性意见。关键词：非银行支付机构；监管难点；监管对策AbstractIn recent years, China's non-bank payment market has grown rapidly. Before 2013, the growth rate of China's non-bank payment market was led by e-commerce companies represented by Taobao. After the emergence of Yu 'ebao in 2013, finance became a new growth point. In 2016, with the appearance of WeChat Lucky Money of the Spring Festival, money transfer becomes the driving force of transaction scale. In 2017, with the development of users' offline mobile payment habits, offline consumption becomes the support point for the new transaction scale ， and non-bank payment is beginning to move towards mobile payment.With the development of non-bank payment institutions and sustained growth of business scale, The risk of non-bank payment is also getting more and more attention, Chinese regulators take corresponding measures to regulate the industry, guarantee payment of healthy and orderly development for a long time. For example, improving market access, issuing pay...
