国际货币基金组织：公共财政管理中的支付科技：收益与风险（中译版）（36页）.pdf

1、Fintech Payments in Public Financial Management:Benefits and Risks Gerardo Una and Alok Verma,Majid Bazarbash and Naomi Nakaguchi Griffin WP/23/20 IMF Working Papers describe research in progress by the author(s)and are published to elicit comments and to encourage debate.The views expressed in IMF

2、Working Papers are those of the author(s)and do not necessarily represent the views of the IMF,its Executive Board,or IMF management.2023 FEB 2023 International Monetary Fund WP/23/20IMF Working Paper Fiscal Affairs Department and Monetary and Capital Markets Department Fintech Payments in Public Fi

3、nancial Management:Benefits and Risks Prepared by Gerardo Una and Alok Verma,Majid Bazarbash and Naomi Nakaguchi GriffinAuthorized for distribution by Cigdem Aslan and Naomi Nakaguchi Griffin February 2023 IMF Working Papers describe research in progress by the author(s)and are published to elicit c

4、omments and to encourage debate.The views expressed in IMF Working Papers are those of the author(s)and do not necessarily represent the views of the IMF,its Executive Board,or IMF management.ABSTRACT:Fintech payments leverage large digital platforms to fill gaps in the traditional payment system.Th

5、ey have made great strides in increasing access to payment services in several countries around the globe.At the same time,like any innovation,the new payment models are exposed to risks in their operating environment.We review the main fintech payment models(mobile money,internet-based fintech paym

6、ent,and digital money)and discuss operational and financial risks as well as challenges they face.We then explore how public financial management(PFM),especially treasury payments and non-tax revenue collections,could benefit from fintech payments by providing examples of early fintech applications