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id="i2i2jyu4k" class="fr">  <div id="i2i2jyu4k" class="bdsharebuttonbox"><a href="#" class="bds_more" data-cmd="more"></a><a href="#" class="bds_qzone" data-cmd="qzone" title="分享到QQ空间"></a><a href="#" class="bds_tsina" data-cmd="tsina" title="分享到新浪微博"></a><a href="#" class="bds_tqq" data-cmd="tqq" title="分享到腾讯微博"></a><a href="#" class="bds_renren" data-cmd="renren" title="分享到人人网"></a><a href="#" class="bds_weixin" data-cmd="weixin" title="分享到微信"></a></div> <script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </span><span id="i2i2jyu4k" class="fr">分享到：<img src="http://www.rmzxb.com.cn/images/fx.jpg" /> </span> </div> <div id="i2i2jyu4k" class="text_box"> <p align="center"> <p style="text-indent: 2em; text-align: left;"><span style="text-indent: 2em; font-family: inherit;">近日，越南单方面宣称支付宝和微信支付在本国属于“非法支付结算”，已经全面禁止。实际上，距离支付宝和微信走进越南才刚刚半年的时间，越南的态度却有了一百八十度转弯。</span></p><div style="text-indent: 2em; text-align: left;"><p style="text-indent: 2em; text-align: left;">支付宝进入越南的时候，曾提前与越南NAPAS成员银行及其中介支付服务网络进行对接，其在越南提供的交换和电子结算服务是合法合规的。</p><p style="text-indent: 2em; text-align: left;"><strong>移动支付受阻源于对方对金融风险的担忧</strong></p><p style="text-indent: 2em; text-align: left;">“总体来看，中国移动支付企业出?；故撬忱摹Ｓ龅降奈侍?，从表面来看，主要来自于对方国家金融监管层对中国移动支付企业的监管和当地法律法规的约束?！敝醒氩凭笱е泄チ醚芯吭焊痹撼づ费羧栈远钥萍既毡钦弑硎?。按照公开消息，此次越南之所以单方面禁用支付宝、微信支付，资金去向不明确是重要的考虑因素。</p><p style="text-indent: 2em; text-align: left;"><span style="text-indent: 2em; font-family: inherit;">欧阳日辉指出，当地的法律法规对我国移动支付进行约束的根源是传统的金融事业和新兴金融事业的矛盾，“也就是说我们的移动支付进入这些国家以后，虽然跟当地企业合作，但也不可避免地动了传统行业的奶酪。这个矛盾我们自己同样经历过，国内的第三方支付也和传统金融机构有过长期的拉锯。越南也是一样?！迸费羧栈运担澳壳袄纯炊苑降拇承幸祷故钦剂擞攀?，移动支付才会被禁?！?/span></p><p style="text-indent: 2em; text-align: left;">除了新支付模式对传统金融行业地位的撼动，互联网金融的风险也是对方国家担忧的主要问题，“尤其是在一些相对落后的国家，对于互联网金融的潜在风险存在顾虑，比如金融数据的安全问题、数据产生的金融安全和经济安全问题等，对方还不能透彻把握，可能会直接选择一刀切的方式，把相关业务停掉?！迸费羧栈运?。</p><p style="text-indent: 2em; text-align: left;">在欧阳日辉看来，新旧金融的博弈、经济安全的顾虑、金融风险的担忧等问题，是移动支付企业出海时普遍面临的问题，今天在越南发生，明天也可能在其他国家发生。尤其是在作为出海热门目的地的东南亚国家，相较于金融体系和监管手段更完善的欧美国家，在接受这类新事物时可能更为谨慎。</p><p style="text-indent: 2em; text-align: left;">有业内人士表示，尽管国内支付机构拥有领先的技术和运营方式，但面对国外法律法规、支付习惯、金融基础设施等方面的差异，仅凭国内经验去拓展海外市场是不够的。</p><p style="text-indent: 2em; text-align: left;"><strong>出海趋势不可挡吃透对方政策市场是关键</strong></p><p style="text-indent: 2em; text-align: left;">虽然出海之路并不一帆风顺，但对于移动支付企业来说，继续对内对外拓展是大势所趋。</p><p style="text-indent: 2em; text-align: left;">“对内主要是在广大农村地区、欠发达地区以普惠金融的方式进行发展，因为农村地区使用移动支付其实比城市更加迫切。对外则是移动支付模式在国外的不断复制和铺开，移动支付是继银行卡支付之后的新的业态，这种中国经验的海外推广符合便捷支付的大趋势。”欧阳日辉表示。</p><p style="text-indent: 2em; text-align: left;">但出海势必面临着陌生的市场、政策环境、用户，一旦选择跨海寻金，移动支付企业就要吃透对方市场的法律法规，了解其用户的使用习惯，进行技术和运营的“本土化适配”，这些都是必要的功课。另外，中国政法大学教授李爱君曾对媒体表示，纸币、信用卡和手机只是支付方式不同，而选择什么支付方式与各国公众习惯有关，同时还存在路径依赖和黏性。</p><p style="text-indent: 2em; text-align: left;">除了发展的地域问题，安全性的提高、新技术的应用也是移动支付发展的重要趋势。在移动支付出海遇阻的问题上，虽然不乏对方对潜在金融风险的难以把控和过度反应，但移动支付企业还是应该从中体会到“安全性”这一命门的重要，“移动支付、便捷支付能够健康快速发展的前提必须是安全性的保障，安全性包括加密技术的使用、生物识别技术的使用等，这些新的技术要逐步成为移动支付企业的标配?！迸费羧栈郧康?。</p><p style="text-indent: 2em; text-align: left;">此外，目前移动支付主要面向个人用户，未来，移动支付将向中小微企业等企业用户发展，“金融必须为商业服务，既然电子商务开始由to C向to B转向，移动支付也同样会朝着这个方向转变?！迸费羧栈运?。</p></div> </div> <p class="Editor">编辑：周佳佳 </p> <div id="i2i2jyu4k" class="Paging"> </div> <p class="Keyword">关键词：移动支付越南非法 </p> <h1 class="pv_title_2 mt_15"><a target="_blank" class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a3"><a ><img src="http://www.rmzxb.com.cn/images/xg_t1.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <ul class="Related_ul bh_150"> <li><a target="_blank" 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