Research On The Mode Of Central Bank Payment System Access For Various Payment Application Platforms And Supervision

E-commerce transactions is inseparable with payment application platform,in the process of traditional trade,whether the goods quality,transaction integrity,goods return,nor traditional bank payment can get reliable guarantee;At the same time,with the occurrence of transaction fraud,the third-party payment application platform should be born.In a short span of time,along with the rapid development of the third party payment application platform,customer number show explosive growth,the limitations of traditional mode of payment and settlement is a breakthrough,which has become an important component of modern payment system in our country.Identical with the rapid development of all kinds of payment,application platform have appeared in the various risk problems simultaneously,due to the lack of laws and regulations in China,since the location is not clearly,so the third party payment application platform still belongs to our country law and regulation of grey area,which is easy to cause financial security hidden danger.How payment application platform is suitable for sustainable development,to ensure accurate financial information,to prepare payment regulation,to avoid risk,to serve the market economy better has become China's financial regulators on major issues of mutual interest.Application and regulation of the people's bank of third-party payment platform,for rectifying the market,balancing the rights and interests of all parties and reduce the risk accumulation has a positive role.Besides,it is also a third-party payment application platform to further improve its security system and risk control system in effective way.In view of the risk problems encountered by third-party payment platforms,the necessity of third-party payment application platform to access the central bank payment platform is self-evident.In this paper,firstly,expounds the research background and significance of this article,domestic and foreign research status of the industry,research content and methods,and innovation of this article.Secondly,the paper summarizes the general situation of the third-party payment application platform,including the concept of it,the characteristics of it,the payment principle of it,the important role of it,the existing payment mode of it,and payment application platform development process.Thirdly,this paper makes a deep analysis of the risk problems,and expounds it from two dimensions,the risk and the problems.Thenmake suggestions for our regulatory authorities from the party payment service supervision of advanced experience from Europe and the United States developed-countries.Once again,the paper do a deeply explain for the mode of payment application platform access to the central bank system,including the necessary of paying application platform to access central bank payment system,the connection mode of existing payment application platform and commercial bank.And do a feasibility study of the tow modes of payment application platform accessing to the central bank,the direct access mode and gateway access mode,more,the gateway mode according to the different founders be divided into the PBC self-built gateway mode and third-party platform set up mode.Then compare the advantages and disadvantages of the above three access modes,and put forward their own tendentious suggestions and reasons.Finally,the paper from five aspects put forward countermeasures and suggestions on the risk control after the payment application platform accesses the PBC payment system,include construct a database of customer information sharing,strengthen capital management,build a new regulatory model,micro internal control and social macro control.Construct a database of customer information sharing includes four aspects: account real-name system management,account classification management,establish and improve emergency stop and fast freezing mechanism,the establish the same platform information sharing.Strengthen capital management includes: unified reserve management,establishing a unified charging mechanism,establishing a capital monitoring system and establishing a risk preparation system.Building a new regulatory model includes: unify the financial regulatory system,improve the industry self-regulatory system,set up a new regulatory system and build a new system of regulatory statistics and technology.Micro-internal control includes improving the ability to respond to emergencies,strengthening the ability to prevent technological risks and establishing and improving internal control systems.Macroeconomic regulation and control include the explicit supervision of the main body and improve the relevant regulatory laws and regulations,establish and improve the market access system and exit mechanism,and create a good market competition environment.In summary,the theoretical and practical significance of this article is significant.