非金融机构网络支付客户备付金法律问题研究

发布时间：2018-04-14 14:38

本文选题：非金融机构网络支付 + 客户备付金利息归属　；参考：《北方工业大学》2017年硕士论文

【摘要】：随着当前我国非金融机构办理客户委托的网络支付业务收到的客户备付金数额不断增加,在实践中产生了客户备付金利息归属、客户备付金非法使用、客户备付金清算和结算闭环结构、客户备付金投资、跨境网络支付客户备付金监管等问题。在客户备付金收益归属方面,论文提出应从注重权益归属转向加强权益保障的制度设计,在客户备付金非法使用方面提出引入信托制度以完善私主体的监督,在客户备付金清算和结算闭环结构方面提出网联建设的原则要求,在客户备付金投资方面提出应允许第三方支付机构对客户备付金进行分类审慎投资,在跨境网络支付客户备付金监管方面提出应完善交易真实性认定并厘清相关主体之间法律关系。
[Abstract]:With the increase in the amount of customer reserve received by non-financial institutions in our country for the network payment business entrusted by customers, in practice, the interest on customer reserve has been assigned, and the customer reserve has been illegally used.Close-loop structure of customer reserve settlement and settlement, investment of customer reserve, supervision of cross-border network payment, etc.In terms of the ownership of customer reserve income, the paper proposes that the system design should be changed from focusing on the ownership of rights and interests to strengthening the protection of rights and interests, and that the trust system should be introduced to improve the supervision of private subjects in the aspect of illegal use of customer reserve funds.In terms of the closed loop structure of customer reserve settlement and settlement, the principle requirement of the construction of the Internet connection is put forward, and in the aspect of customer reserve investment, it is proposed that third-party payment organizations should be allowed to make classified and prudent investments in customer reserve funds.In the aspect of supervision of cross-border network payment, it is suggested that the authenticity of transaction should be improved and the legal relationship between relevant subjects should be clarified.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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