The Third-party Payment Platform Anti-money Laundering Legal System Research

In our country, with the prosperous development of information technology ande-commerce, the third-party payment give people convenient, fast and security at the sametime also led to a series of payment risk, management risk, financial crime risk and so on.Especially the use of third-party payment platform this high and new technology of thecharacteristics of concealment, convenience for money laundering behavior is intensified, thestability of financial order poses a threat to our country.Of the development of the third party payment in China in the past ten years, the legalposition has been clear, lead to the existence of regulatory gap, and our country’santi-money-laundering legal system also relatively late start, on the third-party paymentplatform for laundering money laundering laws because of lower legislation level,interoperability is not strong, difficult to effectively guard against money laundering risk. TheUnited States is the birthplace of the third party payment, and the legal system of anti-moneylaundering start early with perfecting anti-money laundering legal system and the advancedexperience of anti-money laundering, for the improvement of the system of the third partypayment anti-money laundering law provides content to refer to.Based on the analysis of the third party payment platform theory of anti-moneylaundering law, the integrated use of literature, comparative analysis and other methods,investigated the more developed countries represented by the United States, Britain’s legalsystem of anti-money laundering work, combined with the present third party paymentplatform, the problems existing in the legal system of anti-money laundering, puts forward onthe improvement of the system of the third party payment anti-money laundering lawcountermeasures.Besides introduction and conclusion part, this paper is divided into four parts, a total ofabout32000words.The first part, theoretical overview of the legal system of anti-money laundering of thethird party payment platform.This part firstly puts forward the connotation of the third-partypayment platform, and legal risk, raises money laundering legal risk, and to define theconcept of third-party payment money laundering; And then analyzes the legal relationship ofthird-party payment, finally expounds the third party payment platform on the basis of economic law on anti money laundering.The second part, the current situation of the legal system of anti-money laundering anddeficiencies of our country third party payment platform.This part introduces the third-partypayment platform in the current legislation of money laundering in our country, summarizeand analysis of the defects in the legal system of anti-money laundering in China.The third part, the legal system of anti-money laundering investigation and reference ofthe outside of the third party payment platform.This part introduced the anti-moneylaundering legal system is developed in the United States and Britain in the field ofanti-money laundering system of legal norms and the relevant measures, combining with thecharacteristics of American and British anti-money laundering supervision and summarizedfor the third-party payment platform, the perfection of legal system of anti-money launderingto draw lessons from the experience.The fourth part, the perfection of legal system of anti-money laundering of our countrythird party payment platform. This part of the third-party payment platform in China, theproblems existing in the legal system of anti-money laundering, put forward to improve thelegislative level, improving the anti-money laundering law responsibility system,strengthening risk prevention, to establish incentive mechanism, give play to the role ofself-discipline organization consummation countermeasure.