摘要
随着网络技术的快速发展和社会公众对支付便捷化需求的不断增强,支付方式日益呈现出便捷化、全天候、高效率的特征,以票据和银行卡为主体的非现金支付工具体系蓬勃发展,而在支付过程中摒弃了实体银行卡片的无卡支付成为非现金支付工具体系发展的一个重要方向。本文对国内无卡支付业务现状及国外无卡支付业务的最新发展进行了研究,在充分借鉴国外无卡支付业务发展经验的基础上,提出了规范和促进我国无卡支付业务发展的政策建议。
With the rapid development of network technology and the enhance of public demand to payment facilitation, Payment is increasingly showing characteristics of convenience, all-weather and high efficiency, the system of non-cash pay- ment instrument is flourishing, whose principal parts are Bills and bank cards. While Card-Not-Present （CNP）, which has a- bandoned the physical card, has become important direction of non-cash payment instrument system. By deeply studying the newest development of foreign CNP and the status of domestic CNP, on the basis of fully learning foreign CNP development experience, we put forward policies and recommendations to standardize and promote the development of domestic CNP.
出处
《金融发展研究》
2012年第9期33-37,共5页
Journal Of Financial Development Research
关键词
无卡支付
政策建议
Card-Not-Present, policies and recommendations
