中国第三方支付规制改革研究

发布时间：2018-04-20 04:14

本文选题：第三方支付 + 规制　；参考：《辽宁大学》2017年博士论文

【摘要】：第三方支付是现代金融服务业的重要组成部分,其主要涉及金融领域的中间业务,是对金融服务业务的重要补充。第三方支付机构极大地满足了消费者对金融服务的细化差异化需求。故,其在完善金融体系功能上发挥着重要的作用。中国第三方支付机构发展十分迅猛,交易规模不断壮大。据艾瑞咨询的数据显示,2014年全年第三方支付互联网交易规模为80803.9亿元,2015年全年第三方支付互联网交易规模为118674.5亿元,比上一年增长了46.9%,2016年全年互联网交易规模为15万亿元。而作为新兴产业,第三方支付行业具有网络性、金融性、风险性等特点,其面临的风险包括法律风险、信息安全风险、沉淀资金风险、信用风险等,亟须采取必要的监管措施加以预防和纠正。目前,已经颁布一些相关的法律规范条文,但是第三方支付规制的体系和体制并未真正地形成。目前,国内对第三方支付规制的研究很少,最新的研究成果或者从法律规制角度或者从规制制度角度进行研究。故本文首先通过对第三方支付机构的相关研究成果的梳理,得出国内外第三方支付研究的现状。其次分析第三方支付规制过程的现状、问题及原因分析,最后结合欧美等发达国家对第三方支付规制改革提出新的政策建议。本文用规制经济学的方法着眼于第三方支付规制的现状、存在的问题及问题产生的原因,并在借鉴发达国家第三方支付规制经验的基础上,提出中国第三方支付规制改革的对策。本文共分七章:第一章第一部分首先分析了第三方支付机构运行的状况,阐述了需要对第三方支付行业进行规制的背景,其次分析了第三方支付行业规制的意义等。第二部分对国内外的文献作总结综述,得出目前国内外研究的现状等。第二章分析了第三方支付机构的相关的理论基础。包括基础性理论、政府规制的内容、政府规制改革的内容、政府规制的必要性等。第三章分析了第三方支付机构各行为主体及其相互关系。第四章首先阐述了第三方支付机构规制的现状,如第三方支付规制的机构设置、规制的相关法律法规、第三方支付的市场准入制度、第三方支付的价格规制等,其次分析了,目前第三方支付机构规制的问题,如规制机构设置问题、规制法律法规体系不健全、市场准入制度实施不严格、价格规制不完善、网络等技术监督不足等。第五章首先分析了第三方支付机构规制存在问题的原因。分别从三个角度来考察,第一,从规制主体角度,分析了对第三方支付规制主体存在规制不足的问题;第二,从规制客体角度,分析了第三方支付机构自身自律性较差的问题;第三,从规制体系角度,分析了第三方支付规制存在问题的原因。其次,运用博弈论的分析工具,进一步分析了第三方支付规制存在问题的原因。第六章阐述了欧美发达国家,如美国、欧盟等第三方支付的规制机构设置,规制法律法规的制定、第三方支付市场准入制度、退出机制及第三方支付价格规制等。第七章阐述了中国第三方支付政府规制改革的相关举措。
[Abstract]:The third party payment is an important part of the modern financial service industry, which mainly involves the intermediary business in the financial field. It is an important supplement to the financial service business. The third party payment institutions have greatly met the consumer's detailed and differential demand for financial services. Therefore, it plays an important role in improving the function of the financial system. The third party payment institutions have developed rapidly and the size of the transaction is growing. According to ARI's data, the third party paid the Internet transaction in 2014 for 8 trillion and 80 billion 390 million yuan. In 2015, the third party paid the Internet transaction of 11 trillion and 867 billion 450 million yuan, an increase of 46.9% compared to the previous year, and 15 Internet transactions in 2016. As a new industry, the third party payment industry has the characteristics of network, finance, risk and so on. Its risks include legal risk, information security risk, deposit risk, credit risk and so on. It is urgent to take necessary supervision measures to prevent and correct. However, the system and system of the third party payment regulation did not really form. At present, the domestic research on the third party payment regulation is very few, the latest research results or the research from the angle of legal regulation or from the angle of regulation system. This paper first through the combing of the related research results of the third party payment machine, we have to go abroad and out of the country. The present situation of the research on the third party payment is made. Secondly, the status of the third party payment regulation process, the problems and the reasons are analyzed. Finally, a new policy proposal is put forward with the developed countries of Europe and America on the reform of the third party payment regulation. This article uses the method of regulation economics to focus on the status of the third party payment rules, the existing problems and the original problems. On the basis of the experience of the third party payment regulation in developed countries, this paper puts forward the Countermeasures for the reform of China's third party payment regulation. This article is divided into seven chapters. The first chapter first analyzes the operation situation of the third party payment institutions, and expounds the background of the regulation of the third party payment industry, followed by the analysis of the third party branches. The second part summarizes the literature at home and abroad, summarizes the current status of the domestic and foreign research. The second chapter analyzes the theoretical basis of the third party payment institutions, including the basic theory, the content of government regulation, the internal capacity of the government regulation reform, the necessity of the government regulation, and so on. The third chapter analyses the theory. The third party payment institutions and their mutual relations. The fourth chapter first expounds the status of the regulation of the third party payment institutions, such as the institutional setting of the third party payment regulation, the relevant laws and regulations of the regulation, the market access system of the third party payment, the price regulation of the third parties, and so on. Secondly, the present third party payment institutions are analyzed. The problems of regulation, such as the setting of regulatory institutions, the unsound regulation of laws and regulations, the imperfection of the market access system, the imperfect price regulation and the lack of technical supervision of the network. The fifth chapter first analyzes the reasons for the problems in the regulation of the third party payment institutions. The first, from the angle of the subject of regulation, The problem of the lack of regulation in the third party payment regulation body is analyzed. Second, from the angle of regulation object, the problem of poor self-discipline of the third party payment institutions is analyzed. Third, from the angle of regulation system, the reasons for the problems of the third party payment regulations are analyzed. The three party payment regulation is the cause of the problem. The sixth chapter expounds the regulation institution setting of the three party payment in the developed countries of Europe and America, such as the United States and the European Union, the formulation of regulation laws and regulations, the third party payment market access system, the exit mechanism and the price regulation of the three party payment. The seventh chapter expounds the government regulation reform of the third party payment in China. Related measures.

【学位授予单位】：辽宁大学
【学位级别】：博士
【学位授予年份】：2017
【分类号】：F724.6;F832.2

【参考文献】