The Research On Regulatory Legal Issues Of Third-party Payment Platform

Today, in China’s rapid development of Internet, e-commerce has already become a affect every Chinese things, the rise of the third party payment platform, is closely connected with the development of electronic commerce. When the traditional financial good is not yet ready to cope with e-commerce, third-party payment platform has emerged, has become indispensable to every e-commerce payment method.First of all, Paper in the introduction to the selected topic background and significance of the first to do a simple introduction, literature review at home and abroad on comprehensive expounds the third-party payment platform in the domestic and foreign research present situation, proposed the third-party payment platform in current laws lack financial still is not perfected, the Internet today is indeed a problem worthy of further research. And then paper in the theoretical level of the third party payment platform, the concept, characteristics, operation mode, the legal relationship of a comb.Secondly, Then the paper points out that in the current market economy under the conditions of the third-party payment platform, the necessity of regulation in this section is mainly on the development trend of the third-party payment platform in China in recent years made some introduction, and the third party payment platform in the practical life in the process of the operation of the electronic commerce produced a series of problems, including the issue of economic risk and legal risk has carried on the thorough analysis.Thirdly, the paper launched the third party payment platform supervision experience, including the United States, the European Union, and regulatory experience of some Asian countries, including the successful experience and the experience of failure. We often say that "mountain can offend jade", the foreign market economy developed countries of the third party payment platform, although regulatory experience is not a "cure-all", but for such a market economy development in our country is relatively late in the developing countries, after all, has a certain reference and enlightenment function.Finally, the paper puts forward the improvement of the legal system of the third party payment platform. Among them, the first point is the concept of regulatory changes, third-party payment platform for e-commerce transactions bring efficient but also endanger the transaction security, in the face of endless third-party payment platform for the government to collaboration with the industry, common to perform regulatory responsibilities. The second point is the supervision of the object must be clear that the third party payment platform will not replace the traditional financial institutions, and is not to replace the bank, but to return to the role of "channel", not "bank" third-party payment platform. The third point is to design a set of perfect system in the specific regulatory measures. The central bank’s regulation of third-party payment platform of "new rules", this paper, the research brings new opportunity to such bank put forward by the new rules of the third-party payment platform of daily supervision, information disclosure, transfer the best quota barriers to entry and exit mechanism, these are to some extent, as the paper research provides a new vision and ideas.