Study On The Supervision Of The Third-Party Payment Platform

The emergence of third-party payment, to some extend, alleviates the problem of e-business over it's current mode of payment. However, though it does help the development of e-business, the third-party payment puts forward a new question for discussion to the designment of new market orders and the rule of operation.This thesis contains four parts. The first part explains background and meaning of the research work. The second part mostly summarizes definition of the third-party payment, introduces its specialty and three models of payment of the third-party payment. On the basis of the first one, according to particular risk illustration which the third-party payment is faced with , I analyses the reason to supervise the third-party payment: a third-party payment provides the service of "agency of payment and acceptance" which has no legal basis.1)The uncertainty of the legal validity for the third-party payment and business scope, risk of issuing electronic currency; 2)third-party payment may cause risks of payment and moral due to the lack of the currency management while obtaining lots of capital;3)the consumer is under the risk of no security of his personal formation and capital. Therefore, the supervision of the third-party payment shall be reinforced. The third part describes the experience of supervision on the third-party payment in the United States, the European Union and Asia countries, supervising present of the third-party payment in china. And through the comparison of the business of company PayPal in these two regions, further analyzed the differences thereof between the regions.To conclude, with the development of e-business, it is a urgent matter to strengthen the financial supervision of the third-party payment as to constitute a good environment of online payment. In the fourth part, concerning the practice of our state, the suggestions of supervision of the third-party payment are made.