第三方支付沉淀资金及其孳息法律问题研究

发布时间：2018-01-07 17:33

  本文关键词：第三方支付沉淀资金及其孳息法律问题研究　出处：《海南大学》2014年硕士论文　论文类型：学位论文

  更多相关文章： 沉淀资金 孳息 法律权属 监管体制

【摘要】：第三方在线支付的蓬勃发展在带来经济效益的同时,随之而来的巨额沉淀资金也滞留在平台账户所引发的问题和争论引起了人们的广泛关注。由此产生的第三方支付沉淀资金及其孳息权属问题也在经济学和法学界引起了激烈的探讨。文章从第三方支付沉淀资金的产生以及发展趋势入手,分析我国现有法律法规对其规制的情况和不足,通过参考国外立法以及相关实践操作,以期对我国对第三方支付沉淀资金及其孳息相关法律法规以及监管制度的完善方面有所启示。因此,结合国内相关规定以及国外实践操作情况,文章提出了完善我国关于第三方支付沉淀资金及其孳息法律规制的路径分析。首先应明确第三方支付沉淀资金及其孳息的法律权属,在加强第三方在支付机构的内部监控及外部监督的基础上,建立政府监管结合行业自律的监管体制。通过将第三方支付机构沉淀资金定义为第三方支付机构的负债,进而主张实行存款延伸保险制度和风险保证金制度等一系列措施,完善对第三方支付机构沉淀资金及其孳息的监管。
[Abstract]:The booming development of third-party online payment brings economic benefits at the same time. The problems and controversies caused by the large amount of precipitated funds remaining in the platform account have aroused widespread concern. The problems of third-party payment of precipitated funds and their ownership of fruits are also in the field of economics and law. This article starts with the generation and development trend of the third party payment deposit fund. Analysis of the existing laws and regulations of our country to its regulation of the situation and deficiencies, through reference to foreign legislation and related practices. With a view to the third party to pay precipitation funds and related laws and regulations as well as the improvement of the regulatory system of enlightenment. Therefore, combined with the relevant domestic provisions and foreign practice. This paper puts forward the path analysis of perfecting the legal regulation of third-party payment of precipitated funds and their fruits in our country. First of all, we should make clear the legal ownership of third-party payment of precipitated funds and their fruits. On the basis of strengthening the internal control and external supervision of the third party in the payment organization. To establish a regulatory system of government regulation combined with industry self-discipline. By defining third-party payment agencies as liabilities of third-party payment agencies, the paper defines the accumulation of funds as the liabilities of third-party payment agencies. Furthermore, the author proposes to carry out a series of measures, such as deposit extension insurance system and risk margin system, to improve the supervision of the deposit funds and their fruits of third-party payment institutions.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.28

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