马克思主义公平正义观下第三方支付治理机制研究

发布时间：2018-06-20 15:15

本文选题：马克思主义 + 公平正义　；参考：《曲阜师范大学》2016年硕士论文

【摘要】：我国经济发展进入新常态,在这个趋势背景下,我国金融改革随着全面深化改革的步伐大步向前,“互联网+”计划适时地提出,促进了金融服务与互联网技术的深度融合,互联网金融步入高速发展阶段。作为互联网金融运行的基础服务,第三方支付平台抓住机遇、顺势而为,利用自身优势,在满足大众对支付方式创新需求的同时弥补传统支付的不足,取得了突飞猛进的发展。但是这种快速发展却渗透着“野蛮式生长”,使我们看到了第三方支付的背后潜藏着许多风险,无论是对消费者、企业、银行,还是对第三方支付本身都会带来许多隐患或损害。我国的公平正义观正是继承了马克思主义的公平正义思想,同时选择性吸纳了我国传统的公平正义观念,结合我国社会发展的实际情况形成的。所以,马克思公平正义观对于第三方支付行业的健康发展同样有着重要的指导意义。第一部分首先对公平正义进行分析,通过将公平、正义两词在不同角度的内涵进行对比发现两者是内在联系、密切统一的,从而对公平正义的内涵作出解释,分析得出公平正义的特点是多重性、具体性、相对性。其次对马克思主义公平正义观的形成过程做了论述,马克思主义公平正义观的三大理论来源为德国古典哲学、英国古典经济学、空想社会主义,同时重点论述继承批判阶段和形成阶段的重要思想。最后阐明马克思公平正义观的主要内容:用唯物史观分析公平正义、批判资本主义社会的不公正和无产阶级想要实现公平正义的途径。第二部分对第三方支付和第三方支付中公平正义观的表现进行了综合论述。首先依据国内外已有的理论成果进行综合分析,得出第三方支付的定义;其次总结出第三方支付的三个主要特点:交易快捷、自身中立和业务面广;最后重点在于第三方支付中对于公平正义观的理解,主要指第三方支付本身和其发展过程中遵循或背离公平正义观,从而引出第三方支付的风险。第三部分以马克思主义公平正义观为指导,结合我国国情和第三方支付发展的实际情况对第三方支付的风险进行分析:一是参与支付服务机会均等的情况下出现的交易支付风险和交易信用风险;二是在进行等价交换的交易过程中出现的资金安全风险和金融犯罪风险;三是在第三方支付市场倡导公平竞争的前提下出现的行业内部竞争风险和行业外部竞争风险。第四部分是本文的重点,以马克思主义公平正义观为指导对现行第三方治理机制提出完善构想,结合我国第三方支付治理的实际情况,梳理出完善治理机制的总方针,同时提出七个方面的完善建议。
[Abstract]:China's economic development has entered a new normal. Against this background, the financial reform of our country has made great strides forward with the pace of comprehensive deepening reform, and the "Internet" program has been put forward in good time, which has promoted the deep integration of financial services and Internet technology. Internet finance has entered a high-speed stage of development. As the basic service of Internet financial operation, the third-party payment platform seize the opportunity and take advantage of its own advantages to meet the needs of the public for the innovation of payment and make up for the shortage of traditional payment. But this rapid development has permeated "savage growth", allowing us to see a lot of risks lurking behind third-party payments, whether to consumers, businesses, banks, Or the third party payment itself will bring a lot of hidden trouble or damage. The concept of fairness and justice in our country is formed by inheriting Marxism's idea of fairness and justice selectively absorbing the traditional concept of fairness and justice of our country and combining the actual situation of our country's social development. Therefore, Marx's view of fairness and justice also has important guiding significance for the healthy development of third-party payment industry. The first part of the analysis of fairness and justice, by comparing the meaning of the two terms in different angles, we find that the two are internal links, close unity, so as to explain the connotation of fairness and justice. It is concluded that the characteristics of fairness and justice are multiplicity, concreteness and relativity. Secondly, it discusses the forming process of Marxist view of fairness and justice. The three theoretical sources of Marxist view of fairness and justice are German classical philosophy, British classical economics, utopian socialism. At the same time, it discusses the important thoughts of the critical stage and the forming stage of inheritance. Finally, the main contents of Marx's concept of fairness and justice are expounded: analyzing fairness and justice with historical materialism, criticizing the injustice of capitalist society and the way that the proletariat wants to realize fairness and justice. The second part of the third-party payment and third-party payment of the performance of the concept of fairness and justice. Firstly, the definition of third-party payment is obtained by comprehensive analysis based on the existing theoretical results at home and abroad, and then the three main characteristics of third-party payment are summarized: fast transaction, neutrality and wide range of business. The last emphasis is on the understanding of the concept of fairness and justice in third-party payment, which mainly refers to the risk of third-party payment following or deviating from the concept of fairness and justice in its development process. The third part is guided by Marxist view of fairness and justice. According to the situation of our country and the actual situation of the development of third-party payment, the paper analyzes the risk of third-party payment: first, the transaction payment risk and the transaction credit risk under the condition of equal payment service opportunity; The second is the risk of capital security and financial crime in the course of exchange of equal value, and the third is the risk of competition within the industry and outside the industry under the premise of advocating fair competition in the third-party payment market. The fourth part is the focal point of this paper. Under the guidance of Marxist view of fairness and justice, the author puts forward a perfect conception of the current third party governance mechanism, combing with the actual situation of the third party payment governance in our country, and combing out the general policy of perfecting the governance mechanism. At the same time, seven aspects of the improvement of the proposal.
【学位授予单位】：曲阜师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.2;F091.91

【相似文献】