第三方支付法律风险及监管制度研究
发布时间：2018-07-20 14:47
【摘要】：现今社会,伴随着互联网金融领域的蓬勃发展,第三方支付在日常生活中扮演着愈来愈重要的角色。自2010年以来,为适应第三方支付行业的发展,央行相继出台了《非金融机构支付服务管理办法》等相关法律法规,目前为止,有关第三方支付机构的监管框架基本形成。然而,诸多风险漏洞仍然存在,包括沉淀资金的权益归属及使用不明、消费者权益保护机制欠缺等。本文将通过对诸多风险漏洞进行分析,提出一些有针对性的监管建议,旨在为第三方支付行业未来的发展提供可行的参考。
[Abstract]:Nowadays, with the rapid development of Internet finance, third-party payment plays a more and more important role in daily life. Since 2010, in order to adapt to the development of the third-party payment industry, the central bank has issued the "non-financial institutions payment service management measures" and other related laws and regulations, so far, the regulatory framework of third-party payment agencies has basically formed. However, many risk loopholes still exist, including unclear ownership and use of the rights and interests of settling funds, lack of consumer protection mechanism and so on. Through the analysis of many risk loopholes, this paper puts forward some targeted regulatory suggestions to provide a feasible reference for the future development of third-party payment industry.
【作者单位】： 大连理工大学人文与社会科学学部;
【基金】：大学生创新项目阶段性成果(201510140878)
【分类号】：D922.28
[Abstract]:Nowadays, with the rapid development of Internet finance, third-party payment plays a more and more important role in daily life. Since 2010, in order to adapt to the development of the third-party payment industry, the central bank has issued the "non-financial institutions payment service management measures" and other related laws and regulations, so far, the regulatory framework of third-party payment agencies has basically formed. However, many risk loopholes still exist, including unclear ownership and use of the rights and interests of settling funds, lack of consumer protection mechanism and so on. Through the analysis of many risk loopholes, this paper puts forward some targeted regulatory suggestions to provide a feasible reference for the future development of third-party payment industry.
【作者单位】： 大连理工大学人文与社会科学学部;
【基金】：大学生创新项目阶段性成果(201510140878)
【分类号】：D922.28
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