Legal Regulation Of Third-party Payment

With the rapid development of the electronic computer technology and network technology , people begins to dating, chat, meeting, shopping, handle official business work though Internet, network to shorten the distance between people, even made the world smaller. In such circumstances, Electronic Commerce to flourish. As one kind of brand-new trade and commerce pattern, Electronic Commerce is the future direction of the Trade Development, Electronic Commerce gets develop rapidly in our country . At present, however, there is the area of Electronic Commerce in our country there are many factors constraining their development, Credibility problem in particular, has seriously hampered the healthy development of Electronic Commerce. According to this situation, the third-party payment instruments came into being, has become the indispensable role in the Electronic Commerce transactions process, however, arising from third-party payment instruments for self-regulation system.This article is divided into three chapters total, first in the first chapter attempts to start with the third-party payment instruments by itself ,from aspects such as the definition, classification, effect, etc. Awareness of Electronic Commerce transactions in the course of the important role and the resulting need for legal regulation. At the same time, typical of the existing third-party payment for an example, to facilitate a better understanding. And through the analysis of the existing the third-party payment instruments on the domestic and international legal systems, problems found. Through analysis, found the problems of the status of legal, data security issues, the regulation of credit, precipitation of funds, consumer protection issues, the issue of illegal trade, the issue of legal responsibility. Then, in the second chapter according to the problems identified, put forward the relevant system design. Since the beginning of writing this article, pay attention to third-party payment instruments in the trading process to ensure the integrity play a role, So in system design, in addition to the past for a number of commonly used third-party instruments on the specific status of the regulatory aspects of financing proposals, Also in particular, for the problem that existing so-called third-party payment instruments mostly as membership of trading platform, hope to learn from the pattern of hardware credit, which is a special trading platform, in this mode funded by the banking supervision, encountered disputes, arbitration body designated to become the subject of referees. better improve the third-party payment instruments. Finally, to sum up the full text, in the case of risks and opportunities, combination of existing laws, learn from the advanced experience, pay for the third-party payment instruments to provide a good legal environment, in order to promote there own development and to better protect Electronic Commerce development.