美国第三方支付法律制度研究

发布时间：2018-04-20 20:11

本文选题：第三方支付 + 电子商务　；参考：《湖南师范大学》2016年硕士论文

【摘要】：支付体系是现代市场经济和金融活动的重要部分,安全高效的支付体系经济是金融持续健康发展的重要保证。近年来,我国的第三方支付以非常快速的趋势发展,其业务的领域和规模也不断地扩大,第三方支付与金融活动有了更为紧密的联系,在我国经济活动中也日益有着更为突出的重要性。我们知道,美国第三方支付的发展由来已久,美国第三方支付对消费者权益保护、市场准入、反洗钱、存款保险等方面的法律制度方面有着较为完备的立法。而中国专门针对第三方支付机构的立法也仅仅只有2010年发布的《非金融机构支付管理办法》和2015年12月28日最新出台的《非银行支付机构网络支付管理办法》,而第三方支付在相关法律的适用和监管方面则更多地是参照适用其他有关银行或金融机构的法律。而事实上,随着电子商务的发展和第三方支付与日俱增的市场需求,以及第三方支付本身存在的种种问题,例如,法律对消费者的合法权益保护力度不够、第三方支付机构本身的监管薄弱、不法分子利用第三方支付进行洗钱等,中国急需相关的法律对第三方支付领域进行规范。鉴于美国第三方支付机构的法律地位的不明确性给法律适用所带来的困难,本文首先对第三方支付进行了理论上简单的分析,在此基础之上,就第三方支付机构的地位给出笔者的见解。并对美国第三方支付针对消费者权益保护中消费者的责任、知情权及隐私权进行了分析,并指出美国在消费者保护中法律适用的不足。其次,笔者还通过对美国反洗钱法律制度的研究,试探究美国第三方支付领域中金融机构的报告义务及违反相关法律的程序上的规定和美国对第三方支付领域反洗钱立法的突破。此外,对市场准入中有关未授权的资金转移业务许可证的规范和美国的存款保险制度及过桥保险制度进行了较为深入的研究。通过对美国法律制度的研究,以期对中国的第三方支付的立法提供一些参考。
[Abstract]:Payment system is an important part of modern market economy and financial activities. A safe and efficient payment system economy is an important guarantee for the sustained and healthy development of finance. In recent years, the third party payment in our country has been developing very fast, and the scope and scale of its business has been expanding constantly, and the third party payment has more close relation with the financial activities. In our country economic activity also has more and more prominent importance day by day. We know that the development of third-party payment in the United States has a long history. The third party payment in the United States has relatively complete legislation on the protection of consumer rights and interests, market access, anti-money-laundering, deposit insurance and other aspects of the legal system. However, China's legislation specifically targeting third-party payment institutions is only the one issued in 2010 and the latest on December 28, 2015, the Network payment Management measures for Non-Bank payment institutions. Third party payments are more likely to refer to the laws applicable to banks or financial institutions in relation to the application and regulation of relevant laws. In fact, with the development of electronic commerce and the increasing market demand for third-party payment, and the problems of third-party payment itself, for example, the law does not protect consumers' legitimate rights and interests sufficiently. The third party payment organization itself is weak, the illegal elements use the third party payment to carry on the money laundering and so on, China urgently needs the related law to regulate the third party payment domain. In view of the difficulties in the application of the law caused by the uncertainty of the legal status of the third party payment institution in the United States, this paper first makes a simple theoretical analysis of the third party payment, on the basis of which, This paper gives the author's opinion on the status of the third party payment institution. This paper also analyzes the responsibility, the right to know and the right to privacy of consumers in the protection of consumers' rights and interests by third party payment in the United States, and points out the deficiencies in the application of the law in the protection of consumers in the United States. Secondly, the author also studies the anti-money laundering legal system of the United States. This paper attempts to explore the reporting obligations of financial institutions in the field of third-party payment in the United States and the procedural provisions of violating relevant laws and the breakthrough of anti-money-laundering legislation in the field of third-party payment in the United States. In addition, the regulations of unauthorized fund transfer license in market access and the deposit insurance system and bridge insurance system in the United States are studied deeply. Through the study of the American legal system, the author hopes to provide some references to the legislation of third party payment in China.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D971.2;DD912.28

【相似文献】