Third-party Payment Deposit Founds Risk Researdh

As consumer’s demand is growing, the traditional mode of payment is more andmore unable to keep up with the times, the weakness of it are increasingly obvious.Conveniently, third-party payment industry is the spring up. In some extent, it makesup for the deficiency of the traditional mode of payment, holding an irreplaceablevalue. But in another side, it also has certain disadvantages. Such as, it will increasethe criminals of the crime in a certain extent, destroy the financial marketenvironment which is in balance now, endaner the customers own capital and so on.However, in view of that it can play a role of integrating the resource of both parties,reducing the cost of government regulation, simplifing the trade process andaccelerating the process of trading, the benifit which it brings is much more than thedisadvantages, which makes it still has its inevitable trend in the future in onlinepayment industry. Therefore, how to foster the strengths of third-party paymentinstitutions and circumvent weaknesses, advantage the guard against the risk, isbecoming an urgent problem which need to be solved. At present, the most worryingproblem of third-party payment industry in China is that the customer depositsfunds’ security, And when are precipitate in researching how to ensure the safety ofthe funds through supervision and other measures, settling the thinking of theproblem of assests’ liquidity,such as how to make the assets getting rid ofdepositing, how to really use the capital effectively. Only money can no longer beprecipitation, the safety of customer funds problems could be solved from the root.By comparing the legislation present situation and the practice in the industry athome and abroad, the author thinks that, especially from theory, through the clearsource of precipitation funds, analysis the legal relations of the parties to participatein the payment subject, identify the nature of precipitation funds, such as theoryanalysis, Precipitation of third-party payment money overall understanding, accuratepositioning, guidance in practice should be taken to establish margin system, set upprotection fund, to set up the industry association for its characteristics such asmeasures to supervision, to ensure that the service industry to play its biggest advantage.