Network Of Third-party Payment Regulatory Legal Research

With the increasing popularity and innovation of network technology, the network application scope is also in constant expansion, as the combination of science and business progress, the online third—party payment appeared.But as a creative payment model, its own inevitably has very many problems, especially the legal standard is not perfect in our country,so what we should pay attention is the lack of supervision system on the online third—party payment.This thesis aims to set up the online third—party payment supervision system, as to improving the supervisory legal system and safeguarding the financial order.The article altogether divides into four major Parts:First chapter:An overview of the online third—party payment. This Chapter defined online third—party payment from the perspectives of the concept itself,the mode analysis and participation body,which defined the object of this paper.Second chapter:The necessity of legal regulation for online third—party payment.This chapter demonstrated the necessity of regulation of third—party payment from an empirical Point of view, through introducing its current development situation.And then through revealing its exposure to legal proplem,indieated the necessity of legal risk regulation for online third—party payment.Third chapter:Comparison research on legal supervision regulation system of online third—party payment..This chapter mainly introduced the United States and the European Union,which are relatively mature, involving the regulatory legislation, regulatory institutions, regulatory bodies and the Provisions on the key legal issues and so on. Anthor wants to find the lack of third—party payment market in China from a Point of view of comparative law.Forth chapter:Suggestions on construction of legal regulatory system of online third—party payment in China. This chapter based on the Previous analysis, the content is:the market entry and exit system with strict examination and approval standard, set up legal system of online third—party payment; The deposit Capital supervision system includes the independent online third—party payment account and distinct management system, guaranty money and beforehand contract system; set up the cooperation system between the online third—party payment and set up supervision system of the protection of consumers' rights and interests.