Legal Supervision On The Third Party Online Payment

With the rapid development of e-commerce, the problem of lacking of credit in the trade of the network promotes the third party online payment of this new payment method to produce. As a non-financial institution, the third party online payment platform is established between the payer and the payee, providing online payment service in order to realize monetary fund transfer. The third party online payment services continue to emerge, accelerating the development of electronic commerce. The emergence of the third party online payment services provides the guarantee for the security and credit of the network transaction, while the third party online payment subvert the traditional legal order. Therefore, it reflames the complex legal relationship without receiving clear legal status, which triggers the problems of legal supervision increasingly.Besides the introduction and conclusion, is divided into four chapters:The first chapter divided into two parts, introduce the basic knowledge of third party online payment, including law of third-party payment of legal connotation, legal attribute, legal characteristics and the third party network to pay the legal value of the content, for the paper pave the way. The second chapter mainly discusses the extraterritorial countries about the supervision system of third party online payment and its experience and enlightenment, select the United States and the European Union two most representative of the system are introduced, through the analysis of foreign countries about third-party online payment supervision successful experience and reference. The third chapter expounds the current supervision system of third party online payment in China, this paper introduces the development status of the third party online payment and supervision mechanism of our country, and discusses the main problems existing in the legal supervision system. In the fourth chapter, on the basis of the third chapter put forward innovation and perfecting China’s third-party online payment proposals of legal supervision law system, according to the level of supervision and legislation, regulatory mechanism level, level of protection of consumers’ rights and interests, precipitation funds ownership level and third party network crime level payment etc. proposed and recommendations to improve.To study the third-party online payment legal positioning and regulatory legal issues with theoretical and practical significance can not be ignored, only to build a perfect legal environment, to promote the effective third-party online payment for the healthy development of the market.