Studies On Legal Regulation Of Internet Third-party Online Payment

With the development of network technology and popularization, the online trading because of characteristics such as high efficiency, convenient and fashionable. Followed by electronic payment the wide application of this new payment, payment pioneered the "no cash and paperless" of new age. Internet third-party payment as an electronic payment, won a wide application in practice.So, what is Internet third-party payment? It is essentially independent of the Banks and operators, through contracts with products and domestic and foreign each big bank host countries, and have a certain strength and credit guarantee, set the bank payment and settlement of accounts and provide other services for the business of independent pay services. Internet third-party payment because of its convenience and economy, credibility, service, proof of characteristics, has gradually become the online trading to take one of the main terms of payment. At present Chinese Internet third-party payment institutions mainly including pay-and-escrow, quick, remittance world, yeepay payments, etc. Be worth what carry is, pay treasure to purse, We Chat, such as the development of mobile phone APP software, including Internet third-party payment institutions in recent years on the eve of Spring Festival promotion "grab a red envelope" activities are Internet third-party payment mechanism for market and take new measures. Overall, the online third-party payment industry has achieved rapid development in recent years.However, for Internet third-party payment regulation in China started relatively late, the regulation mainly depends on the people’s bank of China on June 21, 2010, promulgated the "non-financial payment services management method". But the "method" is only for the regulation of Internet third-party payment made some principled guidance, in the specific domain of regulation does not make that clear. Overall, comprehensive and systematic legal regulatory system has not yet formed. At present, the regulation about the field still exist dilemma, mainly including qualitative fuzzy, the network of tax revenue, the risk of precipitation funds, lack of protection of consumers’ rights and interests, encourage the network financial crime, etc., all of these greatly impedes the further development of the Internet third-party payment industry.The United States is the world’s first country to produce Internet third-party payment, its regulatory model of Internet third-party payment walk in the forefront of the world. At the same time, the European Union and the Asian Japan, Korea, Singapore, Hong Kong, Taiwan region of China is also the area where the network development of third-party payment earlier, these countries and regions for the online third-party payment supervision regulation of our country have great reference value to the field of regulation.In the last part of the thesis, this paper puts forward the Suggestions of perfecting our country’s legal system of Internet third-party payment: to improve the regulation of third party payment basic problems; Online tax system should be established and prevent the loss of tax revenue; To improve the regulation of precipitation funds and its fruits; To strengthen the protection of consumer rights and interests in network third-party payment; To perfect the related regulation of financial crime, etc.At the same time, the network red envelopes and other new products and services, for the network with the objective of the third-party payment mechanism. The foreign experience and enlightenment of our country should admit Internet third-party payment institutions to develop new business, business innovation actively, in order to seek its long-term development. As the innovation of this article, here on Internet third-party payment institutions to develop new products of reason and rationality for the problems such as the special attention, also red packets in the network to promote the successful experience of extract the payment from the Angle of regulatory agencies to carry out business innovation feasibility Suggestions.In a word, "Rome was not built in a day", the construction of a comprehensive and systematic regulatory system is a long way to go, countries must be issued a series of regulatory measures, further exploration and practice of Internet third-party payment legislation. To supervise and manage the Internet third-party payment must have a mature and perfect the legal system, legal system and legal liability, which is both the development trend of Internet third-party payment regulation legislation, is also the trend of the economic law frontier problem research.