The Legal Regulation Of The Third Party Payment Platform In China

A safe and efficient payment system is the most important condition of economic sustainable and healthy development. With the development of the e-commerce, the third-party payment institutions represented by pay treasure to the the business platform and the development of the offline market scale are expanding, pay the agency for safekeeping customers also increased the amount of money. Until 2015 June, there are 270 pay institutions across the country had been third-party payment of license issued by the people’s bank of China, the rapid development of pay these non-financial institutions, for settlement of payment market prosperity, convenient public funds is certainly huge driving force. The third-party payment institutions as an important part of the Internet financial, is related to a nation’s economic security and stability. But due to the third party payment companies are still lack of comprehensive system of legal norms, regulatory lag easily to users a direct economic loss, even threaten the financial security of our country, therefore, gradually formed a complete legal supervision system, the third-party payment platform is imperative.The jurisprudence is a theory subject in law, it will study and explore the general theory of law and legal phenomenon, provide theory support to the department of law and the theory origin. If you want to build a complete legal system, the third-party payment from a department alone is not enough, must stand in the height of the jurisprudence to overall research. In this paper, the third-party payment platform belongs to field of law and jurisprudence, with the background of the third party platform as a starting point, through the depth analyzes the definition and development of the third party payment mechanism characteristics, compared to Europe and the United States and other developed countries and regions of third-party payment mechanism of supervision experience, combined with our country present stage of legal regulation, summed up the current our country the development of third-party payment mechanism, the supervision level has exposed some problems and shortcomings, and try to solve the opinions, namely improve payment services the legal status of third-party financial institutions, perfect supporting electronic commerce legislation, strengthen the supervision of transaction in the cover, in order to promote the sustainable healthy development of third-party payment mechanism, create a more secure, efficient and convenient payment market environment.