第三方支付方式的法律规制之研究
发布时间：2018-07-27 10:22
【摘要】： 当前,第三方支付方式发展迅猛,创新不断,在给电子商务带来福音的同时,也给监管方带来了前所未有的挑战。本文针对当前我国在这一领域欠缺法律规制的现实,警示和呼吁监管方在第三方支付方式的发展初期就规范其行为,制定出相应的监管措施,使其走上良性发展的轨道。 本文在对问题进行辩证思维的基础上,运用民法、商法和行政法等相关法律理论,与实际相结合,综合采取了归纳、比较等研究方法,分析了第三方支付方式中的法律关系,重点探讨了第三方支付方式中可能存在的各种法律风险,尤其围绕第三方支付机构的法律地位性质等问题展开了论述。借鉴国外先进监管模式的经验,结合国内实际,文章提炼出了两个法制监管重点,即加强对第三方支付机构的监管和对第三方支付交易过程的规范。结论部分提出了立法建议:在明确监管方主体的前提下,深入研究《支付清算组织管理办法》,重点加强对第三方支付机构的监管;加快制定《电子支付指引(第二号)》,重点规范第三方支付交易业务过程,并完善相关的一系列法制规范的建设。
[Abstract]:At present, third-party payment is developing rapidly and innovating constantly, which not only brings good news to e-commerce, but also brings unprecedented challenges to regulators. In view of the fact that our country lacks legal regulation in this field at present, this paper warns and appeals to regulators to standardize their behavior in the early stage of the development of third-party payment methods, and formulate corresponding regulatory measures to make them go on the track of benign development. On the basis of dialectical thinking on the problem, this paper uses the relevant legal theories such as civil law, commercial law and administrative law, combines with practice, synthetically adopts the research methods of induction and comparison, and analyzes the legal relations in the way of third party payment. This paper focuses on the possible legal risks in third-party payment, especially on the nature of the legal status of third-party payment institutions. Referring to the experience of foreign advanced supervision mode and combining with domestic practice, this paper abstracts two key points of legal supervision, that is, strengthening the supervision of third-party payment institutions and standardizing the transaction process of third-party payment. The conclusion part puts forward legislative suggestions: on the premise of defining the main body of the supervisor, we should deeply study the Management measures of the Organization of payment and Clearing, and focus on strengthening the supervision of the third-party payment organizations; Speed up the formulation of Electronic payment guidelines (No. 2), focus on the regulation of third-party payment transactions, and improve the construction of a series of related legal norms.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：D922.29
本文编号：2147520
[Abstract]:At present, third-party payment is developing rapidly and innovating constantly, which not only brings good news to e-commerce, but also brings unprecedented challenges to regulators. In view of the fact that our country lacks legal regulation in this field at present, this paper warns and appeals to regulators to standardize their behavior in the early stage of the development of third-party payment methods, and formulate corresponding regulatory measures to make them go on the track of benign development. On the basis of dialectical thinking on the problem, this paper uses the relevant legal theories such as civil law, commercial law and administrative law, combines with practice, synthetically adopts the research methods of induction and comparison, and analyzes the legal relations in the way of third party payment. This paper focuses on the possible legal risks in third-party payment, especially on the nature of the legal status of third-party payment institutions. Referring to the experience of foreign advanced supervision mode and combining with domestic practice, this paper abstracts two key points of legal supervision, that is, strengthening the supervision of third-party payment institutions and standardizing the transaction process of third-party payment. The conclusion part puts forward legislative suggestions: on the premise of defining the main body of the supervisor, we should deeply study the Management measures of the Organization of payment and Clearing, and focus on strengthening the supervision of the third-party payment organizations; Speed up the formulation of Electronic payment guidelines (No. 2), focus on the regulation of third-party payment transactions, and improve the construction of a series of related legal norms.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2008
【分类号】：D922.29
【引证文献】
相关期刊论文 前2条
1 梁文_g;;第三方支付现状分析与发展对策[J];信息网络安全;2011年08期
2 梁文_g;;第三方支付现状分析与发展对策[J];信息网络安全;2011年10期
相关硕士学位论文 前7条
1 朱静;电子商务中第三方支付相关法律问题研究[D];中国政法大学;2011年
2 雷孙强;第三方网上支付法律规制探析[D];中央民族大学;2011年
3 师群昌;中国第三方支付及其市场扩散研究[D];西南财经大学;2010年
4 赵芳;网上第三方支付平台法律规制研究[D];苏州大学;2011年
5 王娜;互联网第三方支付法律风险监管制度研究[D];中国政法大学;2010年
6 周宏伟;第三方网上支付的监管法律问题研究[D];西南政法大学;2010年
7 周维;第三方支付相关法律问题研究[D];首都经济贸易大学;2012年
，本文编号：2147520
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