Third-party Payment Legal Issues Research

Third party payment in our country since the "balance treasure" available starting caused widespread concern in the community, and after a short period of time has achieved rapid development in recent years, now has become a widely recognized and accepted methods of payment. Mobile Internet technology along with the rapid development of deepening degree of Internet and traditional industries, and many other positive factors the emergence of third-party payments maintained rapid development trend in our country has reliable protection. Is not to be ignored, rapid development of the third party payment has created a number of legal issues. Although the Central Bank has the third party payment into national regulatory system, third party payment supervision legal system is still in the exploration and improved starting stage, third party payment of rapid development of a number of legal problems to be solved does not get solved or even a legislative response. Paper from legal angle and legal system angle main analysis discusses has third party paid institutions legal positioning, and third party paid legal relationship, and prepared pay gold and the fruits card belonging and interest returned achieved mechanism, and user informed right protection, and paid risk responsibility share, and third party paid regulatory concept and regulatory system, and prepared pay gold regulatory and investment, legal problem, for is save dispute of legal problem, to "counterargue-argument" way argument paper of advocates; for is for insufficient of legal problem, This paper puts forward some legislation and perfecting suggestions and designs.