2020年 資金決済法改正が示唆する金融制度上の論点

竹端, 克利; 谷崎, 久志

2020年資金決済法改正が示唆する金融制度上の論点

竹端, 克利; 谷崎, 久志

Discussion Papers In Economics And Business, 2021, 21-18, 1-11

Number of Access:228（2025-05-11 11:34 Counts）

Identifier to cite or link to this item: https://hdl.handle.net/11094/85173

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Title	2020年資金決済法改正が示唆する金融制度上の論点
	Some issues related to the Japanese financial system raised by the amendment of Payment Act in 2020
	2020ネン　シキン　ケッサイホウ　カイセイ　ガ　シサ　スル　キンユウ　セイドジョウ　ノ　ロンテン
Creator	CreatorName 竹端, 克利 ; Takehana, Katsutoshi
Creator	NRID 1000060248101 1000060248101 researchmap permalink read0034558 read0034558 Scopus Author ID 7004095028 7004095028 CreatorName 谷崎, 久志 ; Tanizaki, Hisashi
Subject	資金決済法
	資金移動業
	銀行
	滞留規制
	Payment Act
	Funds transfer service provider
	Bank
	regulation on the retention of user’s money
Abstract	本稿では、2020 年に成立した改正資金決済法によって変更が加えられた資金移動業に焦点を充て、制度変更の内容や、それらが示唆する論点を整理した。特に、今回新たに導入された利用者資金の「滞留規制」は、資金移動業者が提供する決済サービスの実態と出資法をはじめとする既存制度との整合性が図られたと評価できる一方で、現在の銀行と資金移動業者との境界そのものがどこまで持続可能かという本質的な問題を提起したと評価できる。
Abstract	In this paper, we tried to evaluate the changes about the Funds Transfer Service that have been changed by the amendment of Payment Acts in 2020 and extract issues suggested by this change. In particular, the newly introduced “regulation on the retention of user’s money” can be evaluated as being consistent with the actual situation of funds transfer service providers and existing legal systems such as Investment Law. On the other hand, it can be also evaluated that this changes raised substantial issue related to the legal aspect of financial system how sustainable the current boundary between banks and fund transfer service provider is.
Publisher	Graduate School of Economics, Osaka University
Source Title	Discussion Papers In Economics And Business
Volume (Issue)	21-18
Page	1-11
Date of Issued	2021-11
Language	Japanese
Handle URL	https://hdl.handle.net/11094/85173
NCID	AA1160366X
Relation.references	URI http://www2.econ.osaka-u.ac.jp/econ_society/dp/2118.pdf
Access Rights	metadata only access
Category	ディスカッション／ワーキング・ペーパー DP/WP
Category	Discussion Papers In Economics And Business

Resource Type	technical report
Local Type	DP/WP
DCMI Type	Text
DCTERMS.bibliographicCitation	Discussion Papers In Economics And Business. 2021, 21-18, p. 1-11
DC.title	2020年資金決済法改正が示唆する金融制度上の論点
	Some issues related to the Japanese financial system raised by the amendment of Payment Act in 2020
	2020ネン　シキン　ケッサイホウ　カイセイ　ガ　シサ　スル　キンユウ　セイドジョウ　ノ　ロンテン
DC.creator	竹端, 克利
	Takehana, Katsutoshi
	谷崎, 久志
	Tanizaki, Hisashi
DC.publisher	Graduate School of Economics, Osaka University
DC.language' scheme='DCTERMS.RFC1766	Japanese
DC.type' scheme='DCTERMS.DCMIType	Text
DCTERMS.issued' scheme='DCTERMS.W3CDTF	2021-11
DC.relation' scheme='DCTERMS.URI	http://www2.econ.osaka-u.ac.jp/econ_society/dp/2118.pdf
DC.subject	資金決済法
	資金移動業
	銀行
	滞留規制
	Payment Act
	Funds transfer service provider
	Bank
	regulation on the retention of user’s money
DCTERMS.abstract	本稿では、2020 年に成立した改正資金決済法によって変更が加えられた資金移動業に焦点を充て、制度変更の内容や、それらが示唆する論点を整理した。特に、今回新たに導入された利用者資金の「滞留規制」は、資金移動業者が提供する決済サービスの実態と出資法をはじめとする既存制度との整合性が図られたと評価できる一方で、現在の銀行と資金移動業者との境界そのものがどこまで持続可能かという本質的な問題を提起したと評価できる。
DCTERMS.abstract	In this paper, we tried to evaluate the changes about the Funds Transfer Service that have been changed by the amendment of Payment Acts in 2020 and extract issues suggested by this change. In particular, the newly introduced “regulation on the retention of user’s money” can be evaluated as being consistent with the actual situation of funds transfer service providers and existing legal systems such as Investment Law. On the other hand, it can be also evaluated that this changes raised substantial issue related to the legal aspect of financial system how sustainable the current boundary between banks and fund transfer service provider is.
DC.format	85173
citation_title	2020年資金決済法改正が示唆する金融制度上の論点
citation_author	竹端, 克利
citation_author	谷崎, 久志
citation_publisher	Graduate School of Economics, Osaka University
citation_language	Japanese
citation_date	2021-11
citation_journal_title	Discussion Papers In Economics And Business
citation_volume	21-18
citation_firstpage	1
citation_lastpage	11
citation_public_url	https://hdl.handle.net/11094/85173
citation_abstract_html_url	http://www2.econ.osaka-u.ac.jp/econ_society/dp/2118.pdf

2020年 資金決済法改正が示唆する金融制度上の論点

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2020年資金決済法改正が示唆する金融制度上の論点