The Legal Research On The Third Party Electronic Payment

In recent years, the industry of the third party electronic payment in our country showing explosive growth, in the wave of the Internet and electronic commerce promotion. The third party electronic payment have changed people’s lives, has brought great convenience to people’s shopping. It has been through 16 years, from germination stage to the world’s largest scale. But the relevant legislation and regulation in our country, lags behind the rapid development of the third party electronic payment industry. The related legal problems are gradually highlighted because of the legal and supervision system are not perfect. Therefore, perfecting the third party electronic payment legal system is particularly important.This paper consists of three parts: introduction, text and conclusion. The text is divided into four parts altogether.The first part mainly introduces the emergence and development of the third party electronic payment and quality. First, To define the concept of electronic payment, the third party payment,the third party payment agencies. Then, leads to the concept of the third party electronic payment.Then introduces the third party electronic payment different mode as well as the advantages and disadvantages. Finally introduces its development history, current situation and trend. Through a detailed introduction of the above, We have a comprehensive understanding for the third party electronic payment.The second part focuses on the analysis of the legal relationship and the legal liability of the third party electronic payment. Firstly, to defines the legal nature of the third party electronic payment platform. Secondly, after defining the third party electronic payment platform,analysising the main body and legal relationship in the third party electronic payment. Finally, the legal responsibility of each subject were analyzed.The third part mainly discusses the current legislation and the lack of third party electronic payment. Firstly, to evaluate the legislation and supervision of the third party electronic payment in the United States and the European Union. Then, analysising the legislation and supervision of the third party electronic payment in our country. At last, to discuss the main problem of the thirdparty electronic payment we faced. Including precipitation fund, technology risk, money laundering, credit card cash problems.The fourth part put forward countermeasures about the third party electronic payment in our country. Aiming at the problems existing in the process of payment, put forward reasonable and targeted suggestions for improvement on the basis of drawing lessons from foreign legislation experience. Including suggestions on improving the legal system of the third party electronic payment. Improve the management of reserves and fruits. Improve the market access system.Construct market exit mechanism.