第三方支付平台沉淀资金法律规制问题探析

发布时间：2018-06-22 18:31

本文选题：第三方支付 + 沉淀资金　；参考：《烟台大学》2016年硕士论文

【摘要】：伴随着电子商务发展而产生的第三方互联网支付行业,做为互联网金融重要组成部分,近年来取得了突飞猛进的发展。第三方支付市场规模庞大、资金流动频繁,涉及到越来越多支付机构、商家与消费者的切身利益。根据艾瑞咨询数据显示,2015年中国第三方互联网支付交易规模达到118674.5亿元,同比增长46.9%。第三方支付沉淀资金问题日益突出,引起了金融实务界与理论界领域的广泛关注。我国电子商务起步较晚,央行近几年针对第三方支付陆续出台的规定内容不全面、规则过于模糊、可操作性差,无法彻底解决沉淀资金所带来的问题。相对于一些电子商务发展滞后的国家,欧美国家以及亚洲发达国家应对第三方平台支付沉淀资金所带来的风险制定的监管制度较为成功。其中美国第三方支付监管当局倾向于将其纳入已有的法律法规进行规范,欧盟监管部门则针对第三方支付机构这一新生机构做出专门立法。本文首先理清对第三方支付沉淀资金进行规制的必要性,明确了第三方支付相关概念,着重分析了第三方支付沉淀资金可能引发的风险,指出现行有关法律规制存在的问题;接着,介绍国外发达国家与地区第三方支付沉淀资金规制经验,以及对我国的启示;最后,在借鉴国外第三方支付沉淀资金监管得基础上,针对我国第三方平台支付沉淀资金法律规制提出了相应的建议。
[Abstract]:With the development of electronic commerce, the third party Internet payment industry, as an important part of Internet finance, has made great progress in recent years. Third-party payment market is large and capital flows frequently, involving more and more payment institutions, businesses and consumers' vital interests. China's third-party Internet payment transactions reached 11.86745 trillion yuan in 2015, up 46.9 percent from a year earlier, according to Erie Consulting. The problem of third-party payment precipitated funds is becoming more and more prominent, which has attracted wide attention in the financial and theoretical fields. China's e-commerce started late in recent years the central bank for third-party payments have been issued in recent years the provisions of the content is not comprehensive rules are too vague poor operability can not completely solve the problems caused by the precipitation of funds. Compared with some countries where e-commerce development is lagging behind, European and American countries and Asian developed countries have established more successful regulatory systems to deal with the risks caused by third-party platform payment of precipitated funds. The third party payment regulatory authority in the United States tends to incorporate it into the existing laws and regulations, while the European Union regulatory authority makes special legislation on the third party payment institution as a new institution. Firstly, this paper clarifies the necessity of regulating the third party payment precipitate fund, clarifies the related concept of the third party payment, analyzes the risk that the third party payment precipitate fund may cause, and points out the problems existing in the current legal regulation. Then, it introduces the experience of foreign countries and regions in the regulation of third-party payment precipitation funds, and the enlightenment to China. Finally, on the basis of drawing lessons from the supervision of foreign third-party payment precipitation funds, This paper puts forward the corresponding suggestions on the regulation of the third party platform payment settling fund in our country.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.29

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