第三方支付风险法律问题研究

发布时间：2018-06-04 03:09

本文选题：第三方支付 + 监管　；参考：《内蒙古大学》2016年硕士论文

【摘要】：随着社会经济的发展,带动社会科学技术的发展,电子行业的发展越发蓬勃,随之而来的各类电子商务不断进入人们的日常生活。支付宝、财付通等各类第三方支付平台的出现带来了当前社会消费支付方式的新发展。而第三方支付平台与人们的日常生活都有着极大的关系,能够对人们的日常生活带来巨大影响,随着第三方支付的影响力的不断加大,第三方支付企业获得准金融机构的经济及政策地位,与商业银行、电信、移动运营商等企业共同提供面向机构和个人用户的电子支付服务。尽管第三方支付作为当前甚至未来的很长一段时间内,电子产业发展的一大主流,然而目前第三方支付中由于市场的不规范性、资金沉淀、消费者法律意识缺失以及缺乏完善的法律制度的监管等等,必然会带来第三方支付在发展过程中存在重大的风险。而上述各类风险的存在,必然会导致第三方支付产业的发展出现隐患,对消费者的切身利益以及企业的发展甚至我国的整个经济社会的发展造成切身的伤害,危机我国经济市场的稳定性。要对第三方支付产业的风险进行规避、解决,最有效且强制的手段就是对相关的法律环境进行改造,从法律层面直接改变目前第三方支付平台不完善的法律监管制度,维护我国经济社会的稳定发展。随着第三方支付产业的飞速发展,我国立法机关已经认识到了法律监管的重要性,出台了一些基本的法律对第三方支付产业进行监管。然而,起步比较晚的国内第三方支付平台的法律制度相对国外发达国家而言,有着极大的不完善性。本文针对美国、欧盟、日本等对第三方支付产业监管较为完善的国家及地区,研究其优秀的法律监管经验,总结我国第三方支付产业在各个方面的不足之处,针对性的提出解决对策,更好的发展我国第三方支付产业。
[Abstract]:With the development of social economy and the development of social science technology, the development of electronic industry is more and more vigorous. The emergence of various third-party payment platforms such as Alipay, Tenpay and so on has brought about the new development of social consumption payment. The third-party payment platform has a great relationship with people's daily life, which can bring great influence to people's daily life, with the increasing influence of third-party payment. Third-party payment enterprises acquire the economic and policy status of quasi-financial institutions, and work with commercial banks, telecommunications, mobile operators and other enterprises to provide electronic payment services for both institutional and individual users. Although third-party payment is a major trend in the development of the electronic industry for a long time at present or even in the future, at present, due to the market irregularity, the funds are precipitated in third-party payment. The lack of legal consciousness of consumers and the lack of supervision of perfect legal system will inevitably bring great risks in the development of third-party payment. However, the existence of the above-mentioned kinds of risks will inevitably lead to hidden dangers in the development of the third-party payment industry, which will cause immediate harm to the vital interests of consumers and the development of enterprises and even the development of the whole economy and society of our country. Crisis our country economy market stability. To avoid and solve the risks of third-party payment industry, the most effective and compulsory means is to reform the relevant legal environment and directly change the current legal supervision system of the imperfect third-party payment platform from the legal level. To maintain the stable development of our country's economy and society. With the rapid development of third-party payment industry, the legislature of our country has realized the importance of legal supervision and issued some basic laws to supervise the third-party payment industry. However, the legal system of the domestic third-party payment platform, which started relatively late, has great imperfections compared with the developed countries. This article aims at the United States, the European Union, Japan and other countries and regions that have perfect supervision of third-party payment industry, study its excellent legal supervision experience, sum up the deficiencies of China's third-party payment industry in all aspects. The pertinence proposes the solution countermeasure, develops our country the third party payment industry better.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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