The Research Of Third-party Payment Legal Regulation In China

Internet third-party payment as a kind of financial innovation, brings the new financial service experience, it by signing with Banks and bank payments and settlement system and docking, bringing great commercial transactions. But because it involves the particularity of the industry, the potential risk of operation, such as network technology security risks, risks of precipitation funds were misused, etc., so we must strengthen the legal supervision of Internet third-party payment.Internet third-party payment refers to the use of network to provide users with payment instructions convey, processing and other intermediary services, so as to realize the transfer of funds, according to the different standards can be divided into different kinds. In actual economic operation, China’s third-party payment on network supervision is facing many problems, there is no third-party payment legal supervision system through the network, with the vigorous development of the Internet third-party payment in recent years, through on-the-spot investigation and study, lawmakers issued "non-financial payment services management method" and "pay for institutional clients cover save tube method", to a certain extent, to fill the legal supervision of Internet third-party payment blank, but this is just some framework, operability is not strong, and not fully include legal issues facing online third-party payment. So, want to prompt the network healthy development of the third-party payment under the legal regulation, it is imperative that third-party payment on network to establish a comprehensive legal regulatory system.Third-party payment on network legal regulatory issues, from the perspective of guard against legal risks, third-party payment in advance, we need to network comprehensive regulatory approaches, and to establish a relatively strict market access and withdrawal mechanism, and according to the situation of our country to establish the corresponding regulation principle, on the basis of the third-party payment on network supervision legislation in all directions. The legislative branch should develop including Internet third-party payment at the top of the legal framework design and the basic legal system, legal system, moreover, to improve the network of third-party payment supervision legislation and supervision system, mechanism combining research, build a scientific and effective Internet third-party payment legal regulatory system.