Research On Government's Supervision Strategy For The Bank Card Payment And Settlement System In Dalian

Banking supervision is a hot issue in the world today. With the continuous development and popularization of bank card, and emerging technologies used in bank cards, bank cards' function and payment methods have made revolutionary progress. How to reduce the risk of bank card payment and settlement system and better take the function of government regulation have become the focus of people's attention. Since the implementation of governent regulation has strong national and industrial differences, it must be closely combined with the social economy's actual situation of our country and the specific regional characteristics to explore the implementation approach and strategy pattern of government regulation for bank card payment and settlement system in our country.From the related subjects of the regulation of bank card payment and settlement system,bank card transactions and fraud crime in Dalian, and legislation situation,this paper concludes that Dalian bank card payment settlement system has the following five problems: poor cooperation among regulators, much higher regulatory cost, lack of regulatory skills, unfair competition of market participants, and lack of protection of consumers, and relevant factors that cause the above problems is also summarized. Combining with the method of literature research, interviews and expert grading, we know that lack of regulatory skills, market participants' unfair competition and weakness of consumer protection consciousness are the major problems of government's supervision for the bank card payment and settlement system in Dalian. And the causes of the main problems respectively are: market participants disrupting the normal market order for profit, relevant laws and regulations lag behind, lack and imperfection of legislation, regulatory measures lack interaction with customers. Finally, we obtain the strategies to improve government's supervision for the bank card payment and settlement system in Dalian in three dimensions: the market restraint mechanism, the supervisory skills and consumer protection consciousness.The government regulation of the bankcard payment and settlement system is an important part of the payment and settlement system, which keeps the normal operation and healthy and orderly development of payment and settlement system. Based on Dalian, the research and conclusion of this paper can help to improve the government regulation of Dalian bank card payment and settlement system, and provide support and policy basis for the government decision-making, and ultimately can have positive impact on the development of China's bank card industry and the improvement of government regulatory policies.