社保网络支付的现状、挑战与对策研究

Research on Current Situation, Challenge and Countermeasure of Social Security Network Payment

摘要: 传统的缴费与待遇领取方式已难以满足高效、便捷的服务需求，社保网络支付应运而生。但我国社保网络支付正在面临数据安全、跨境支付的法律障碍、反洗钱监管以及用户信任度的巨大挑战，本文通过研究分析国内、国外社保网络支付的实践及其面临的政策环境，取精去糟，得出我国应该建立数据安全机制、加强监管制度建设，完善国内法律法规体系、加强监管制度建设；同时强化宣传教育，加强我国有关社保网络支付的数字技能培训。

Abstract: The traditional way of payment and treatment has been difficult to meet the efficient and convenient service needs, so social security network payment came into being. However, China’s social security network payment is facing a huge challenge of data security, legal barriers to cross-border payment, anti-money laundering supervision and user trust. This article analyzes the practices of domestic and international social security online payments and the policy environments they face, selecting the best and discarding the rest. Based on this analysis, it concludes that China should establish a data security mechanism, strengthen the construction of regulatory systems, improve domestic laws and regulations, and enhance the construction of regulatory frameworks. Additionally, it emphasizes the need to intensify publicity and education efforts, as well as strengthen digital skills training related to social security online payments in China.