Research On Legal Regulation Of Internet Financial

With the arrival of the big data era and the rapid development of the Internet Finance, a new sort of electronic payment, the third-party payment, emerged as time require. The third-party payment is independent from trading subjects, so it becomes a dependable transfer station for online trading subject. And with the popularity of Internet and mobile Internet, people can make the payment with only one finger. Then, the third-party payment is developing faster and faster, and the market of the third-party payment is becoming broader and broader, so it becomes the most widely used branch of Internet finance. However, in terms of our country, the third-party payment starts late, and the relevant legal system of the third-party payment has a lot of blank, so a series of problems has appeared. Therefore, the author pointed out the shortcoming of the third-party payment on the basis of current conditions, and made suggestions on the development of the third-party payment, by learning the advanced experience of foreign countries, in order to promote healthy development of the third-party payment or Internet finance market.The paper is divided into five parts. The first part is introduction, it’s about the background and significance, the current research status at home and abroad, the research methods and innovative point of the thesis. The second part is a basic overview of the third-party payment, including the definition, characteristics and current situation of the third-party payment. The third part is about the problems existing in the legal system of third-party payment in our country. The research showed that the problems are low legislations, high market entry threshold, the ownership of customer provisions and its yields, lake of Consumer protection and high risk of financial crimes. In the fourth part the author analyzed the successful experiences of America, Europe and Japan, in order to get some inspiration for our country. In the last part, the author put forward a lot of effective suggestions to the legal supervision of the third-party payment.