The Legal Regulation Of Money Laundering On The Third-party Payment Platform

With the rapid development of technology and networks, the third-party payment as a new way to pay favored by people for its efficient, fast and convenient. However, this payment method not only brings great social benefits, but also serves a wider space for the criminal activities of money launderers, and it also brings great impacts to our country's anti-money laundering system.Although the third-party payment in our country has been developed more than ten years,its legal position is not clear enough thus leading to a blank area on the regulatory. In addition,the legal regulations of money laundering on the third-party payment platform in our country started relatively late, and because of the lower legislative level, not too strong operational and other reasons, it is difficult to play an effective role to prevent the risk of money laundering.In this paper, the theoretical basis of the analysis of the third-party payment platform for money laundering legal regulation on the integrated use of literature, illustration, comparative analysis and other methods, borrowed from the United States, Britain, Switzerland, and so on developed countries for third-party payment platform laundering of legal regulation results and summarize our problems in this field, then propose improvement measures on our third-party payment platform laundering of legal regulation: first, implementing the "risk-based" AML regulatory principles; second, to improve the legislative level. Including let the third-party payment agencies into the national anti-money laundering legal and regulatory system, improve the legislation of "non-financial institution payment service management approach" and improve the relevant provisions of "anti-money laundering and anti-terrorist financing payment institution management approach"; third, improvement core regime of anti-money laundering. Including customer identification system, suspicious transaction reporting system, the transaction record-keeping system and internal control system; Fourth, improve information sharing mechanism; fifth, the establishment of anti-money laundering incentives; sixth, to build a sound anti-money laundering legalliability system. Including civil liability, administrative liability and criminal liability; seventh,the improvement to the measures of anti-money laundering on the third-party payment platform. Including pay attention to talent-building and pay attention to training and publicity of anti-money laundering on third-party payment platform.The first part is the outline of the legal regulations of money laundering on the third-party payment platform. The second part is the status and insufficient of the legal regulations of money laundering on the third-party payment platform in our country. The third part is the review and reference about the legal regulations of money laundering on the third-party payment platform in foreign country. The fourth part is the improvement of the legal regulations of money laundering on the third-party payment platform in our country.This part is the focuses on the whole paper.The significance of this paper is to reveal the dangers of money laundering in third-party payment platform, then explain to the importance of perfect the law of money laundering in the third-party payment platform, and put forward own views, in order to effectively guard against the risk of money laundering which is using third-party payment platform, improve the third-party payment platform anti-money laundering law regulation,and maintain the stability of the financial system, realize the healthy and continuous development of social economy.