第三方支付平台的法律监管研究

发布时间：2018-05-30 09:02

本文选题：第三方支付 + 第三方支付平台　；参考：《山西财经大学》2015年硕士论文

【摘要】：互联网技术的不断更新和电子商务的快速成长，极大的冲击了实体购物的传统消费模式，电子商务买卖模式以其方便性、快捷性等优势进入人们的视野。与此同时，一种全新的交易经营模式——第三方支付也应运而生，顺势涌现出了一大批第三方支付平台。网络第三方支付的诞生解决了交易双方的信任和效率问题，缓解了传统交易方式支付过程中交易各方的紧张关系，是一种新型的货币支付模式，让用户体验了新支付方式带来的便捷感受。作为独立于买卖双方的独立第三方，第三方支付平台为互联网交易中的商家和消费者提供了一个交换货币的中转站，特别大的便利了商事领域的买卖双方的交易活动。因而，近年来，第三方支付平台的数目和平台成交额都在显著增长，支付的范围也呈现不断扩大的趋势。由于我国第三方支付相关法律、法规监管的缺失，在第三方支付平台迅猛发展的同时也引发出许多法律问题。从2010年开始，我国结束了对第三方支付领域无监管的真空状态，中国人民银行陆续颁布了《非金融机构支付服务管理办法》及其《实施细则》、《支付机构客户备付金存管办法》等一系列规范性法律文来规制第三方支付业务中遇到的困难。尽管如此，由于这些规范性法律文件普遍存在法律位阶较低的问题，因此只能在部分程度上解决第三方支付平台遇到的某些法律问题。第三方支付领域出现的沉淀资金及孳息归属、信用卡套现、洗钱、网络诈骗、监管缺乏体系性等一系列法律问题仍亟待解决。鉴于此，，本文希望通过辨析第三方支付及第三方支付平台概念的不同，界定出第三方支付平台的法律性质，分析我国第三方支付平台监管存在的法律问题。在顺应我国法治建设理念的基础上，借鉴境外先进经验，完善第三方支付平台监管法律体系，构建一套行之有效的法律制度解决第三方支付法律规制不足的问题，为现行法律、法规的完善尽一份绵薄之力，促进第三方支付平台在有法可依的法制环境下不断自我完善。
[Abstract]:With the continuous updating of Internet technology and the rapid growth of e-commerce, the traditional consumption mode of physical shopping has been greatly impacted. The e-commerce trading model has entered people's field of vision with its advantages of convenience and rapidity. At the same time, a new transaction mode-third-party payment came into being, and a large number of third-party payment platforms emerged. The birth of the network third-party payment has solved the trust and efficiency problems of both sides of the transaction, alleviated the tension between the parties in the traditional transaction payment process, and is a new kind of currency payment mode. Let the user experience the convenience of the new payment mode. As an independent third party independent of the buyer and seller, the third-party payment platform provides a transit station for merchants and consumers to exchange currency in Internet transactions, which greatly facilitates the transaction activities of both parties in the commercial field. Therefore, in recent years, the number and turnover of third-party payment platforms have increased significantly, and the range of payment has been expanding. Due to the lack of laws and regulations related to third-party payment in China, the third-party payment platform has developed rapidly and caused a lot of legal problems at the same time. Since 2010, China has put an end to the unregulated vacuum in the field of third-party payments. The people's Bank of China has promulgated a series of normative and legal texts to regulate the difficulties encountered in the third party payment business, such as the measures for the Administration of payment Services of Non-Financial institutions and its implementing rules, and the measures for the Management of customer Reserve funds of payment institutions. However, due to the problem of low legal rank in these normative legal documents, some legal problems encountered by third-party payment platforms can only be partially solved. A series of legal problems, such as the ownership of precipitation funds and fruits in the field of third party payment, credit card cash, money laundering, network fraud, lack of systematic supervision and so on, still need to be solved. In view of this, this paper hopes to define the legal nature of third-party payment platform and analyze the legal problems existing in the supervision of third-party payment platform by analyzing the different concepts of third-party payment and third-party payment platform. On the basis of conforming to the construction idea of our country's rule of law, drawing lessons from overseas advanced experience, perfecting the supervision legal system of third-party payment platform, constructing a set of effective legal system to solve the problem of insufficient legal regulation of third-party payment, which is the current law. The improvement of laws and regulations promotes the third-party payment platform to improve itself under the legal environment.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.29;D922.28

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