法制视角下第三方支付备付金制度研究

发布时间：2018-04-11 23:29

本文选题：第三方支付 + 备付金　；参考：《天津师范大学》2017年硕士论文

【摘要】：科技在不断发展,网络技术也日益成熟,电子支付进入了繁荣时代,第三方支付行业便应运而生。因其具有高效、便捷等优势,第三方支付备受人们青睐,逐渐代替传统支付方式成为人们日常生活中重要的支付工具,而且,在促进我国经济发展方面也发挥着重要作用。但是,第三方支付所带来的风险也引起了人们的高度关注:不同于面对面交易,第三方支付中的买卖双方付款、收款是不同步的,往往需要隔上几天。在这几天中,货款就停留在支付平台上,这就形成了本文所研究的备付金。尤其是当用户越来越多,备付金问题就愈加突出。我国第三方支付从20世纪初才刚刚起步,行业自身发展以及政府对其的监管都尚未成熟,导致第三方支付在发展过程中出现了很多问题,备付金便是其中一个重要的问题。如果备付金得不到有效地管理,不仅会侵犯用户的合法权益,还会带来金融风险,给社会带来不利影响。因此,这笔资金及其所产生的高额利息应该归谁所有,该如何利用这笔资金,以及政府该如何监管,这些问题都值得我们思考。本文从法制角度出发,通过分析我国目前对备付金问题的管理规定,从立法、执法、守法三个角度来说明我国备付金制度存在的问题。同时,借鉴美国和欧盟的经验,从立法、执法、守法三个方面提出相关建议。
[Abstract]:With the development of science and technology and the maturity of network technology, electronic payment has entered a prosperous era, and the third-party payment industry has emerged as the times require.Because of its high efficiency, convenience and other advantages, third-party payment is favored by people, gradually replacing the traditional payment as an important payment tool in people's daily life, and also plays an important role in promoting the economic development of our country.However, the risk of third-party payment has also aroused great concern: unlike face-to-face transactions, payments by buyers and sellers in third-party payments are not synchronized and often take several days.In these days, the payment stayed on the payment platform, which formed the reserve fund studied in this paper.Especially when the user more and more, the reserve fund question becomes more prominent.Since the beginning of the 20th century, the third party payment in our country has just started, and the development of the industry itself and the supervision of the third party payment have not yet matured. As a result, there are many problems in the development process of the third party payment, among which the reserve fund is one of the important problems.If the reserve is not managed effectively, it will not only infringe on the legitimate rights and interests of users, but also bring about financial risks and bring adverse effects to the society.So it's worth thinking about who owns the money and the high interest it generates, how to use it, and how the government should regulate it.From the point of view of legal system, this paper analyzes the current regulations on the management of reserve payment in our country, and explains the problems existing in the reserve system of our country from the three angles of legislation, law enforcement and abiding by the law.At the same time, draw lessons from the experience of the United States and the European Union, from the legislation, enforcement, compliance with the three aspects of the recommendations.
【学位授予单位】：天津师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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