我国网络第三方支付法律监管研究

发布时间：2018-06-06 22:18

本文选题：网络第三方支付 + 风险　；参考：《湖南师范大学》2015年硕士论文

【摘要】：网络第三方支付作为一种金融创新,给人们带来了全新的金融服务体验,它通过与各大银行签约的方式与银行支付结算系统对接,极大地方便了商事交易。但是因为其涉及行业的特殊性,其运行潜在着多种风险,如网络技术安全风险、沉淀资金被挪用风险、信用缺失风险等,因此必须加强对网络第三方支付的法律监管。网络第三方支付是指借助于网络为用户提供支付指令传达、处理等中介服务,从而实现资金转移的支付方式,按照不同标准可以将其划分为不同的种类。在实际的经济运行中,我国对网络第三方支付的监管面临着诸多问题,目前并没有形成网络第三方支付法律监管体系,随着近几年网络第三方支付的蓬勃发展,立法者通过实地调查研究,出台了《非金融机构支付服务管理办法》和《支付机构客户备付金存管办法》,在一定程度上填补了对网络第三方支付的法律监管空白,但这仅仅是一些框架性的规定,可操作性不强,并且没有完全囊括网络第三方支付面临的法律问题。所以,要想促使网络第三方支付在法律规制下健康发展,当务之急是针对网络第三方支付建立起全面的法律监管体系。关于网络第三方支付法律监管问题,从防范法律风险的角度出发,我们需要对网络第三方支付进行事前、事中、事后的全方位监管,建立相对严格的市场准入和退出机制,并根据我国国情确立相应监管原则,在此基础上对网络第三方支付进行全方位的监管立法。立法部门应当制定出包括网络第三方支付法律框架的顶层设计和相关基础性法律在内的系统法律体系,此外,将完善网络第三方支付的监管立法与监管体制、机制结合起来研究,构建科学有效的网络第三方支付法律监管体系。
[Abstract]:As a kind of financial innovation, network third-party payment brings people a new experience of financial service. It connects with the payment and settlement system of banks through the way of signing contracts with major banks, which greatly facilitates commercial transactions. However, due to the particularity of the industry, there are many potential risks in its operation, such as network technology security risk, the risk of embezzlement of precipitated funds, the risk of lack of credit, and so on. Therefore, the legal supervision of third-party payment on the network must be strengthened. The third party payment on the network means to provide payment instruction transmission, processing and other intermediary services to the user with the help of the network, so as to realize the payment method of fund transfer. According to different standards, it can be divided into different kinds. In the actual economic operation, our country faces many problems to the network third party payment supervision, at present has not formed the network third party payment legal supervision system, along with the network third party payment vigorous development in recent years, Through field investigations and studies, legislators issued the "measures for the Administration of payment Services of Non-Financial institutions" and the "measures for the Management of customer Reserve deposits by payment institutions," which to a certain extent filled the gap in the legal supervision of third-party payments on the Internet. However, these are only some framework rules, which are not operable, and do not fully cover the legal problems faced by the third party payment on the network. Therefore, in order to promote the healthy development of network third-party payment under the legal regulation, the urgent task is to establish a comprehensive legal supervision system for network third-party payment. With regard to the legal supervision of third-party payment on the network, from the angle of preventing legal risks, we need to carry out comprehensive supervision in advance, in the matter and afterwards, and establish a relatively strict mechanism for market access and withdrawal. According to the situation of our country, it establishes the corresponding supervision principle, and carries on the omni-directional supervision legislation to the network third party payment on this basis. The legislature should develop a system of legal systems, including the top-level design of the legal framework for third-party payment on the Internet and related basic laws. In addition, it will improve the regulatory legislation and regulatory system for third-party payment on the Internet. The mechanism is combined to construct a scientific and effective network third-party payment legal supervision system.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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