Payment Data Governance:Theoretical Basis,Effective Paths and Policy Suggestions
With the further highlighting of the value of payment data,payment data governance is receiving increasing attention.The purpose of payment data govern-ance is to strike a balance between the utilization of data value and data security risks,its governance approach is of great significance for fully leveraging the pro-moting effect of data elements on productivity,releasing data value dividends,pro-tecting personal data rights,and maintaining national data sovereignty and data se-curity.This article first reviews the current research status of data governance at home and abroad.,Starting from the theoretical basis of data governance,it deeply analyzes the current situation,main problems,and relevant legal regulations of data governance in the payment field.It points out that payment data governance is influ-enced by four factors:system,management,technology and market.It also revolves around the principles,methods,responsibilities an effective path framework for payment data governance has been constructed in terms of evaluation mechanisms and other aspects.To improve the payment data governance system,the first is to enhance the supply capacity of the payment data governance system and increase law enforcement supervision;the second is to improve the quality of payment data and do a good job in the classification and classification management of payment da-ta;the third is to promote the construction of payment data fusion and collaborative governance capacity;the fourth is to strengthen the management of cross-border data flows and actively participate in international rule-making.
Payment Data GovernanceInfluence FactorEffective PathPolicy Sug-gestion
万方数据
维普
