Research On Customers Deposit Interest’s Allocation Of The Third Party Payment

With the rapid development of e-commerce,the third party payment platform have become the first choice electronic payment mode.It solved the problem of payment fraud generally in the transaction and the parties lack of restraint and supervision problem in a certain extent.According to the central bank data show that at the end of August in 2015, China registered 269 third party payment firm.The third party payment mechanism provide guarantee for the seller and the buyer,also inits platform to accumulate a large amount of funds in transit.With the client fund allocation to the third party payment platform account,it is bound to trigger a series of new legal issues and induce some risk,the relevant departments should attach great importance to the third party payment firm for customers,and who enjoy the interest and benefit for customers to deposit generated deposit.To solve all these problems,we must start from the analysis the trading patterns of the third party payment mode.The paper is divided into four parts:The first part is "Change payment method to pay and the third party payment." This part describes the evolution of payments drawn out third party payment, and analyzes the operation of third party payment process.The second part is "third party payment deposit for customers." This part of the provision for third party payment customers were defined, and combined with the practice of the relevant data and analyzes its development trend.The third part is "third party payment deposit for the interest of customers." Firstly, this part of economics, science and other civil law and financial point of view, analyzes the content of interest. Secondly, by analyzing the payment of third party relationship between the two main customers introduce third party payment deposit for interest generated. Finally, interest in different types of customer deposit reserve may arise for analysis.The fourth part is "assigned third party payment deposit for the interest of customers." This section analyzes the third party payment deposit for interest on home customers, the current debate is nothing less than the interest attributable to two: First, interest attributable to third party payment agencies; the second is attributable to customers. Then, based on the foregoing issues related to third party payment analysis proposed three layers of interest distribution plan: The first program is third party payment firm exclusive interest; the second program is customers exclusive interest;the third program is sharing.The remaining money after interest shared by the customer and third party payment firm Finally, make some suggestions to standardization of the provision’s interest.