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第三方互联网支付是中国互联网金融领域发展最为成熟的行业,凭借其较强的规模效应和成本优势,极大地扩展了金融服务的覆盖范围。而且,目前互联网支付已经远不止支付,而是形成了以互联网支付为核心,包括理财、融资、托管、征信、大数据等众多产业在内的庞大的互联网金融生态圈。本文在讨论互联网支付具有的普惠金融价值的同时,也简要提出了中国互联网支付发展中存在的几个突出问题,并提出了针对性的政策建议。
Third-party Internet payment is the most mature industry in China’s Internet finance. With its strong economies of scale and cost advantages, it has greatly expanded the coverage of financial services. Moreover, at present, Internet payment has gone far beyond payment. Instead, it has formed a huge Internet financial ecosystem that takes Internet payment as the core and includes many industries such as finance, financing, custody, credit collection and big data. While discussing the inclusive financial value of Internet payment, this article briefly presents several prominent problems in the development of Internet payment in China and puts forward some policy recommendations.