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《中国工程科学》 >> 2020年 第22卷 第6期 doi: 10.15302/J-SSCAE-2020.06.013

金融零售支付风险控制的现状、挑战与对策研究

1. 上海交通大学网络安全技术研究院,上海 200240;

2. 中国银联股份有限公司,上海 200135;

3. 电子商务与电子支付国家工程实验室,上海 201201

资助项目 :中国工程院咨询项目“网络空间安全保障战略研究” (2017-XY-45) 收稿日期: 2020-09-10 修回日期: 2020-10-28 发布日期: 2020-12-08

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摘要

随着我国金融开放、普惠金融与金融科技的发展,金融零售支付产业正在由高速度增长向高质量增长转型升级,当前金融零售支付风险呈现出更加复杂严峻的态势。新型冠状病毒肺炎疫情的发生,使得人们的消费和支付习惯发生了很大变化,已经对金融零售支付风险控制研究提出了新的课题。本文分析了金融零售支付风险控制的新特点与不足,梳理了金融零售支付风险控制的现状,产业主体在合规履职、账户管理、交易监测、信用评估、数据安全、身份验证、技术风险等七方面的挑战。研究提出了关键在于建立完善与复杂严峻态势相匹配的全面风险管理体系与智能风控体系的观点,具体从数据共享、智能模型、系统架构、管理体制、人才培养五方面提出了对策建议。

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