第三方支付平台的监管模式研究
发布时间：2018-12-18 20:44
【摘要】：随着市场经济进一步深化,改革进入深水区,金融业和互联网生态圈都在发生深刻的变革,当互联网与生俱来的开放性遇上金融业的专业性,两种元素的融合爆发出奇特的化学反应,变革的序幕就在互联网企业中拉开,传统的金融互联网已经日渐成熟,新兴的互联网金融业发展如火如荼,2014年又会是互联网金融业新的拐点,同时也应该看到,互联网金融的兴起,核心还是基于互联网和与之对应的庞大的信息即大数据(Big Date),海量的数据信息加之互联网自身的开放性无疑会滋生各种法律问题和风险,网络交易的安全、用户信息的保护、大数据的存储和使用等问题都受到越来越多的学者们的质疑和讨论。第三方支付作为互联网金融创新工具之一,从产生之初就备受关注,被学者们作为典型案例分析讨论,由于第三方支付平台的虚拟性以及互联网金融正处于法律规制的初创时期,监管的不到位很可能就会使其成为违法分子利用并进行违法活动的工具,诸如诈骗、非法集资、违约等等风险也一直伴随着第三方支付平台的发展历程。因而,对于第三方支付的法律问题进行深入研究和有益探讨十分有必要。本文大致可以分为五个部分,第一部分详细介绍了互联网金融和第三方支付平台的监管及研究现状,归纳并提出了基于第三方支付生态圈的新特点得出的一种新型的划分方式,即传统型第三方支付机构和创新型第三方支付机构;第二部分,在法经济学的视野指导下对监管模式的法律价值考量进行了一些探究;第三部分则可以归纳为两个小的支流,一方面,总结了国内对第三方支付平台采取的监管模式,涵盖了大陆地区、香港地区以及台湾地区。另一方面,总结了国外主要的发达国家对第三方支付平台采取的监管模式,并针对相关监管模式一一进行了关于借鉴和启示的总结;文章最后两个部分,分别介绍了第三方支付平台监管模式应遵循的基本思路以及几点建设性意见。
[Abstract]:With the deepening of the market economy and the entry of the reform into the deep water area, the financial industry and the Internet ecological circle are undergoing profound changes. When the inherent openness of the Internet meets the professionalism of the financial industry, The fusion of the two elements broke out a strange chemical reaction, the prelude to the change was opened in the Internet enterprises, the traditional financial Internet has become increasingly mature, the emerging Internet financial industry is in full swing. 2014 will be a new turning point for the Internet financial industry. At the same time, it should be noted that the rise of Internet finance is still based on the Internet and the huge information corresponding to it, big data (Big Date),. Huge amounts of data information and the openness of the Internet itself will undoubtedly breed a variety of legal problems and risks, the security of network transactions, the protection of user information, Big data's storage and use have been questioned and discussed by more and more scholars. As one of the innovative tools of Internet finance, third-party payment has attracted much attention from the beginning, and has been discussed by scholars as a typical case study. Because of the virtual nature of third-party payment platforms and the fact that Internet finance is in its infancy of legal regulation, the lack of regulation is likely to make it a tool for lawbreakers to use and engage in illegal activities, such as fraud and illegal fund-raising. Default and other risks have been accompanied by the development of third-party payment platform. Therefore, it is necessary to study and discuss the legal issues of third-party payment. This paper can be roughly divided into five parts. The first part introduces the supervision and research status of Internet finance and third-party payment platform in detail, summarizes and proposes a new type of division method based on the new characteristics of third-party payment ecosystem. Traditional third-party payment institutions and innovative third-party payment institutions; The second part, under the guidance of the vision of law and economics, has carried on some research to the legal value consideration of the supervision mode; The third part can be summed up into two small tributaries, on the one hand, summarized the domestic third party payment platform regulatory model, covering the mainland, Hong Kong and Taiwan. On the other hand, it summarizes the regulatory model adopted by the foreign major developed countries to the third-party payment platform, and summarizes the relevant regulatory models for reference and inspiration. In the last two parts, the author introduces the basic ideas and some constructive suggestions about the supervision mode of third-party payment platform.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2
本文编号：2386476
[Abstract]:With the deepening of the market economy and the entry of the reform into the deep water area, the financial industry and the Internet ecological circle are undergoing profound changes. When the inherent openness of the Internet meets the professionalism of the financial industry, The fusion of the two elements broke out a strange chemical reaction, the prelude to the change was opened in the Internet enterprises, the traditional financial Internet has become increasingly mature, the emerging Internet financial industry is in full swing. 2014 will be a new turning point for the Internet financial industry. At the same time, it should be noted that the rise of Internet finance is still based on the Internet and the huge information corresponding to it, big data (Big Date),. Huge amounts of data information and the openness of the Internet itself will undoubtedly breed a variety of legal problems and risks, the security of network transactions, the protection of user information, Big data's storage and use have been questioned and discussed by more and more scholars. As one of the innovative tools of Internet finance, third-party payment has attracted much attention from the beginning, and has been discussed by scholars as a typical case study. Because of the virtual nature of third-party payment platforms and the fact that Internet finance is in its infancy of legal regulation, the lack of regulation is likely to make it a tool for lawbreakers to use and engage in illegal activities, such as fraud and illegal fund-raising. Default and other risks have been accompanied by the development of third-party payment platform. Therefore, it is necessary to study and discuss the legal issues of third-party payment. This paper can be roughly divided into five parts. The first part introduces the supervision and research status of Internet finance and third-party payment platform in detail, summarizes and proposes a new type of division method based on the new characteristics of third-party payment ecosystem. Traditional third-party payment institutions and innovative third-party payment institutions; The second part, under the guidance of the vision of law and economics, has carried on some research to the legal value consideration of the supervision mode; The third part can be summed up into two small tributaries, on the one hand, summarized the domestic third party payment platform regulatory model, covering the mainland, Hong Kong and Taiwan. On the other hand, it summarizes the regulatory model adopted by the foreign major developed countries to the third-party payment platform, and summarizes the relevant regulatory models for reference and inspiration. In the last two parts, the author introduces the basic ideas and some constructive suggestions about the supervision mode of third-party payment platform.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832.2
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