Research On The Legal Regulation Of The Third-Party Payment Platform

The third-party payment platform solved the problem of capital transfer in e-commerce.As a product of financial innovation,legal regulation for the third-party payment platformis indispensable.However,in the process of legal supervision of third-party payment platform,there are many unresolved problems.These issues have been a serious violation of consumer rights and interests,and the current third-party payment platform for the legal supervision is still in its infancy,such as the lower legal level,the lack of regulatory content.This paper is aimed to improve the quality of the legal supervision of the current third-party payment platform.From the perspectives of precipitation fund management,market access and transaction security of the third-party payment platform,by the means of the study of the status of domestic regulatory law and foreign legal supervision,this paper would make useful suggestions on China's third-party payment platform legal regulation.This article is divided into four chapters,each chapter reads as follows:The first chapter is an overview of legal supervision of third-party payment platform.This paper expounds the meaning of the third party payment platform from two aspects:concept definition and business model analysis,and briefly introduces the development of third-party payment platform in our country.From the perspective of legal supervision,the legal nature of the third party payment platform is clarified,and the course of legal supervision of the third party payment platform is reviewed.The second chapter analyzes the management of precipitation funds.As the process of third-party payment platform funds flow in the black box,that is,the transaction process can only be known for third-party payment platform,it is imperative to supervise the precipitation funds.On the improvement of system design,this paper puts forward the measures to set up the precipitation fund trust plan,clear the interest attribution and so on.The third chapter analyzes the market access of the third-party payment platform.This paper analyzes the basis of the market access system,the current problems and the perfect path.This paperproposed to introduce market access margin,sustained net capital and market exit mechanism to improve China's market access issues.The fourth chapteranalyzes the problems in transaction security of the third-party payment platform.By referring to the extraterritorial legislation,it is pointed out that the law of our country should increase the legal liability of the third-party payment platform in the transaction security guarantee.