The Research On The Third-party Paid Precipitation Funding And Interest Legal Issues

With the flourish growing of the third-party online payment bring economic benefits, a large number of precipitation funds remain in the third-party payment platform, which has caused a huge number of people’s attention. The ownership of the third-party payment precipitation funds and interest resulting economics and law experts hotly discussed. From talking about the generation of the third-party payment and it’s risk, the essay analysis the existing laws and regulations of their situation and the lack of regulation in our county. In addition, by reference to the practice of foreign operations and related legislation, we look forward to get inspiration from them. The paper presents a perfect path for complete the law and regulations of the third-party payment and interest, which combine the relevant provisions of the domestic and foreign practice operating conditions. First, due to the precipitation of funds and third-party payment clear legal ownership yield in strengthening internal control and external oversight third-party payment mechanism, based on the combination of industry self-regulation to establish a government regulatory regime. Precipitated by the third-party payment agency debt capital is defined as third-party payment mechanism, thus advocates a series of measures to extend the deposit insurance system and the risk margin system, etc., to improve third-party payment agencies precipitation fund.