Legal Supervision Of The Third Party Payment Platform

With the rapid development of new finance as the representative of the Internet, the threshold of financial services has greatly reduced, more and more people are involved. But as a new way of payment services in e-commerce, the third party payment due to its convenience and economic performance by the network users sought.However, the legal norms of the third-party payment platform is significant fatigue, attention to all kinds of problems appeared in the third party payment platform more insufficient, how to roll with the punches, neither limit third-party payment of the rapid development and ensure the safety of funds and information, has become at this stage need to study and solve the major issue.From the beginning of 2010, China began on regulatory issues for the field of third-party payment, the people’s Bank of China therefore have also released a "non-financial institutions payment services management approach" and "implementation details", "pay institutional clients excess reserves of depository way" and so on a series of normative legal documents for the regulation of the problems in the process of the third party payment. However, due to the rapid development of the third party payment and the standardization of the legal document of the lower level, can not be a good solution to the problem, so that the third party payment in the field of information disclosure, access and exit is not perfect, capital precipitation, money laundering and other legal issues, the need to introduce relevant provisions to be resolved.This paper mainly from the four parts of the study:The first part mainly defines the definition and legal nature of the third-party payment platform, and based on the analysis of the third-party payment platform legal relationship and the third-party payment platform for the evaluation of such basic theoretical issues, and further analyzes the of third party payment platform supervision necessary basis.The second part through the analysis of the third party payment platform in Europe and America on the basis of the regulatory practice, to achieve the effective supervision of the third party payment platform to give some of the recommendations.The third part from our country at present for third-party payment platform regulation status, through the analysis of China’s current third-party payment platform of analysis, to explore suitable for China for third-party payment platform supervision mechanism to make the theoretical basis, and truly for the disease prescription, concrete analysis of concrete problems.The fourth part based on the analysis of the current situation of the supervision of the third party payment platform in our country and the practice in Europe and America, the part puts forward the suggestions for the improvement of the current social development and the development of our country’s third party payment.