我国移动支付监管立法研究

发布时间：2018-01-15 17:13

本文关键词：我国移动支付监管立法研究　出处：《广西大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国移动通信技术的进步,移动支付是移动互联网时代的宠儿,成为电子支付领域中最大的亮点。用户使用手机、PAD、移动PC和可穿戴等终端设备可以随时随地的完成支付,其方便快捷、覆盖面广和不受时空限制等优点给用户、移动通信运营商、商业银行及非金融支付机构等带来了巨大的利益。但移动支付也相应的产生了支付安全、消费者权益保护和相关金融风险、法律纠纷等问题,这些问题有来自黑客攻击、自身特殊性、监管立法不健全等原因。本文首先介绍移动支付在我国发展的态势,接着分析移动支付在我国发展带来的利益、问题及原因,进而剖析我国移动支付监管立法存在的问题。从全球移动支付监管立法来看,域外一些国家有着较为成熟的法律制度和监管模式,本文在借鉴域外移动支付监管立法基础上建立我国移动支付监管立法基础架构：确定我国移动支付监管立法层级效力,明确我国移动支付监管体制、原则,理顺我国移动支付监管主体职责,在事前监管、事中监管和事后监管中加入一些特殊制度,从而保障我国移动支付安全、高效和健康地发展。
[Abstract]:With the development of mobile communication technology in China, mobile payment is the favorite of the mobile Internet era, and has become the biggest bright spot in the field of electronic payment. Mobile PC and wearable terminal devices can be paid at any time, anywhere, its convenience, wide coverage and not limited by space-time advantages to users, mobile communication operators. Commercial banks and non-financial payment institutions have brought huge benefits. However, mobile payment has also resulted in payment security, consumer rights and interests protection and related financial risks, legal disputes and other issues. These problems come from hacker attacks, their own particularity, imperfect regulatory legislation and other reasons. This paper first introduces the development of mobile payment in China, and then analyzes the benefits of mobile payment development in China. From the perspective of global mobile payment legislation, some foreign countries have more mature legal system and regulatory model. On the basis of overseas mobile payment legislation, this paper establishes the legislative infrastructure of mobile payment regulation in China: determine the legal hierarchy of mobile payment regulatory effectiveness, clear the regulatory system of mobile payment in China, principles. In order to ensure the security, high efficiency and healthy development of mobile payment in China, we should straighten out the main duties of supervision of mobile payment in our country, and add some special systems into supervision in advance, supervision and supervision afterwards.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

【共引文献】