第三方支付企业风险监管法律制度研究

发布时间：2018-02-13 17:44

本文关键词： 第三方支付第三方支付企业风险监管法律制度完善　出处：《西南石油大学》2017年硕士论文　论文类型：学位论文

【摘要】：第三方支付是随着互联网经济的发展而产生的一种新型支付方式,它由第三方支付企业提供平台支撑,为人们带来了更为高效便捷的生活方式和生产方式,推动着电子商务向安全与快捷的方向急剧发展,在现代经济活动中占据着越发重要的地位。与此同时,第三方支付企业也在不断拓展业务、创新产品,在竞争日益激烈的市场中逐渐站稳了脚跟。相对于发达国家来说,第三方支付企业在我国出现时间虽较晚,但由于我国网民数量庞大,其发展态势尤为迅猛。高速发展的同时一系列风险也不断在滋生,如因我国第三方支付企业法律制度滞后及第三方支付企业自身管理漏洞而导致的客户信息泄露、资金被盗甚至利用第三方支付企业提供的支付平台进行洗钱和套现等已经在现实生活中时有发生。第三方支付使用人数众多,涉及到社会公众方方面面的利益,因此如何完善我国第三方支付企业风险监管法律制度是目前迫切需要解决的问题。本文在明确第三方支付企业应属于准金融机构的基础上,从经济学和法学的视角出发,分析了第三方支付企业风险监管的理论基础,并通过对国内外第三方支付企业相关法律法规的比较研究,认为对第三方支付企业风险监管的主要目的应是维护客户与第三方支付企业的合法权益,主要手段应是多元化主体的监管,核心是建立起健全的第三方支付风险监管法律制度。笔者从监管原则、外部监管、内部监管三个层面提出了完善我国第三方支付企业风险监管法律制度的建议,以期促进第三方支付企业平稳健康发展和第三方支付模式的高效安全。
[Abstract]:With the development of Internet economy, third-party payment is a new payment method, which is supported by third-party payment enterprises, and brings people a more efficient and convenient way of life and production. E-commerce is developing rapidly in the direction of safety and quickness, and it is playing an increasingly important role in modern economic activities. At the same time, third-party payment enterprises are also expanding their business and innovating their products. Compared with the developed countries, third-party payment enterprises appeared in China later, but because of the large number of Internet users in our country, At the same time, a series of risks are constantly growing, such as the leakage of customer information caused by the lag of the third party payment enterprise legal system and the loophole in the management of the third party payment enterprise in our country. The theft of funds and even the use of payment platforms provided by third-party payment enterprises for money laundering and cash laundering have occurred from time to time in real life. The large number of third party payments involves the interests of all aspects of the public. Therefore, how to perfect the legal system of risk supervision of third-party payment enterprises in China is an urgent problem to be solved. On the basis of making clear that third-party payment enterprises should belong to quasi-financial institutions, this paper starts from the perspective of economics and law. This paper analyzes the theoretical basis of the risk supervision of third-party payment enterprises, and compares the relevant laws and regulations of third-party payment enterprises at home and abroad. The main purpose of risk supervision of third-party payment enterprises should be to protect the legitimate rights and interests of customers and third-party payment enterprises, and the main means should be the supervision of diversified subjects. The core is to establish a sound third party payment risk supervision legal system. The author puts forward some suggestions on perfecting the third party payment enterprise risk supervision legal system from the three aspects of supervision principle, external supervision and internal supervision. In order to promote the smooth and healthy development of third-party payment enterprises and third-party payment mode of high-efficiency and safety.
【学位授予单位】：西南石油大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.291.91;D922.28

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