Research On Government Supervision Of The Third Party Payment Platform

With the development of Inclusive Finance under the background of rapid development of Internet technology and e-commerce,China's enterprises and individual online trading volume rising,the third party payment institutions to provide settlement services e-commerce platform,not only to provide payment services to the public,but also significantly improve the public's quality of life,improve the social capital flow speed,the scale of the rapid development of industry.The third party payment industry as an important part of Internet banking,let more people enjoy the good financial services,has become an important part of China's social service,become the backbone of the development of inclusive finance.However,with the development of the industry,the risk is constantly changing,from the original simple settlement of capital risk,information security risk derived systemic risk,mixed operation risk.To achieve orderly and healthy development of the payment industry,it is necessary to carry out proper and effective supervision of the third party payment industry,and to control risks within a reasonable range while protecting the vitality of innovation.According to the development status of the third party payment mechanism through the analysis of the current status of the problem,combined with the Chinese government on the third party payment institutions supervision of the new requirements,learn from the advanced experience compared to the foreign third party payment institutions supervision,put forward targeted and operable countermeasures and suggestions,to establish the regulatory framework to meet the China conditions.The improvement of legislation,improve the legislative level of payment and settlement system;establishing the effective coverage of the regulatory principles of risk protection and innovation,the introduction of dynamic regulatory measures rich,establish effective payment service innovation mechanism and consumer protection mechanism,develop multi-level regulatory aspects of talent,professional team construction to improve the third party payment regulation,build perfect and effective supervision system,promote the orderly development of the third party payment institutions,payment service to enhance the efficiency of the whole market,forming a good momentum of vigorous and healthy market.