The Legal Regulating Of The Third-party Online Payment

With the rapid development of e-commerce, the third-party online payment presents asustained and rapid development trend, The payment business scale and the applicationdomain expands unceasingly. It plays an increasingly important role in the modern market andfinancial activities. Due to the third-party online payment is the emerging industry, at thesame time, our country legal regulation to the third party online payment industry lags farbehind the development of the third-party payment industry, therefore, the formulation of therelevant legal system in China and legal regulation is not perfect. In recent years, due to thedomestic market access system of the third party online payment industry that are ambiguous,appeared a lot of loopholes, threats to consumers’ personal information, which is notconducive to sustained and healthy development of the third party online payment industry. Inaddition, in the process of the third party online payment development still exist many legalproblems, such as regulations and regulatory system, to precipitate the allocation of capitaland interest, consumer personal information leakage, etc. In recent years, with the increasingof the personal information theft case to our consumer, it is imperative to perfect the relevantlegal system.First chapter is introduction, for the third party online payment services, introduces theselected topic background and research purpose of this paper, the research significance andresearch status at home and abroad and the research methods and research innovations tointroduce the general situation.The second chapter mainly discusses the definition of the concept of the third partyonline payment, emphatically sums up the role of the third party online payment and the legalrelations in the third-party online payment, and the third party online payment expoundedcurrent situation and development stage.The third chapter, analyzes the legislative status quo of third party online payment andthe lack of legislative supervision system, summarizing the problems exist in our country,such as: the incomplete legal regulation mode and system, market access system which isambiguous, precipitation and its interest fund management exist in the third party online payment.The fourth chapter, in this chapter, it described the third party online payment systemrelated in the foreign and the system of market access regulation and precipitation fundsmanagement system are described in detail. Through to the United States and the EuropeanUnion’s third party online payment service supervision system, the access system andcomparative analysis of precipitation funds management system, to find for our country to setup the regulation of third party online payment system, access system, precipitation fundsmanagement system, combining with my through third-party online payment services as wellas China’s national conditions, the market characteristics of the innovative design of a set ofsuitable for our country the third party online payment mechanism model of regulation andsupervision system, build a relatively perfect market access system and precipitation moneymanagement system.The fifth chapter, it is based on the system analysis to the present situation developmentsituation and the regulatory status quo of the third party online payment in our country,propose the problems in the development of the third party online payment,also through drawlessons from foreign advanced experience, in-depth analysis is suitable for the situation of ourcountry’s third party online payment mode of regulation and supervision system, and putsforward the concrete Suggestions to solve the problem. Suggestions are mainly consummatesour country’s legislative regulation and supervision system, strengthen the protection ofconsumers’ legal rights, to determine a independent power regulator, to strengthen thesupervision and management of precipitation funds, clear the relevant provisions of themarket access system, etc., these measures are conducive to improve the relevant legal systemof our country.