Research Into The Regulatory Model Of Third Party Payment Service Platform

With the deepening of market economy,Further deepening of the reform,Financial services and the Internet are the dramatically changes,When the inherent openness of the Internet meets the financial professional, fusion of two elements burst into strange reaction,Prelude to change in Internet companies started.Traditional financial Internet has matured and financial development in emerging Internet in full swing.2014 will be the new Internet financial turning points,Also it should be noted that the rise of Internet banking, the core is based on the Internet and the vast information that is data(Big Date),Vast amounts of data and information combined with the openness of the Internet itself can certainly be breeding grounds for a variety of legal issues and risks, the protection of the security of online transactions, user information, the storage and use of data, and so on are questioned by scholars and discussions.Third party paid as Internet financial innovation tool is one of,from produced of early on is concern, was scholars were as typical case analysis discussion, due to third party payment platform of virtual sex and Internet financial are in legal regulation of start-up period, regulatory of not in place is may on will makes its became illegal molecular using its for illegal activities of tool, such as fraud, and illegal fund-raising, and default etc risk has been with with third party payment of development course. Thus, third parties payment for in-depth study and discussion of the legal issues is necessary.This paper can be divided into two parts, the first part introduces Internet banking and third-party payment platform monitoring and research, and based on the new features of the ecosystem of third party payment come up with a new way of dividing, namely the traditional third party payment services providers and innovative third-party payment services providers. Second part,in method economics of vision guide on regulatory mode of legal value considerations for has some inquiry, third Department points is can antibody for two a small of tributaries, while, summary has domestic on third party paid platform take of regulatory mode, covers has City area, and Hong Kongarea and Taiwan; on the, summary has abroad main of developed on third party paid platform take of regulatory mode, and for related regulatory mode one by one for has on reference and revelation of summary. Last two sections respectively introduced the third party payment platform control mode should follow the basic idea, as well as several constructive ideas.