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“支付”作为给付行为的重要形式,是保证交易顺利完成的标志性事实。以计算机信息技术为特征的技术创新使得现代支付体系产生了革命性的变化,电子支付服务正深深地影响着国际商务和个人跨境消费。电子技术本身的特殊性、支付主体和接收主体的多样性及不同国家电子支付监管规则的差异性造成跨境电子支付服务中存在多重风险,这需要完善相关国际法规则、协调主权国家之间进行电子支付法律规范及加强法律技术合作等。我国电子支付服务监管立法应当以传统监管体制为基础,以跨境电子支付风险特征为核心,构建以中央银行监管为主体的多层次监管结构,以此促进安全、高效的跨境电子支付服务。
“Payment ” as an important form of payment, is a landmark fact to ensure the transaction is completed smoothly. Technological innovations characterized by computer information technology have revolutionized the modern payment system and electronic payment services are deeply affecting the consumption of international businesses and individuals across borders. The particularity of the electronic technology itself, the diversity of the payment subject and the recipient entity, and the differences in the regulatory rules of electronic payment in different countries result in multiple risks in cross-border electronic payment services. This requires improving the relevant rules of international law and coordinating the electronic Pay legal rules and strengthen legal and technical cooperation. China’s electronic payment service regulatory legislation should be based on the traditional regulatory system, with cross-border electronic payment risk characteristics as the core, and to build a multi-level regulatory structure with the supervision of the central bank as the main body in order to promote safe and efficient cross-border electronic payment services.