Research On Legal Supervision Of Third-party Payment

Past a double tenth,taobao successfully reached one hundred million yuan in one day.With the popularity of online shopping,and of the development of the third-party payment also celebrates his spring.It is because of the existence of third-party payment in today’s society overturned thoroughly the traditional trading pattern of need face to face.It is because of the existence of the third-party payment platform,increase the confidence of people shopping on the Internet,let people more comfortable shopping on the Internet.Not only in online shopping,now many stores are also actively support through the third-party payment platform and settlement.Whatever you go to department stores,supermarkets,cinemas,food store,or even just a small snack bar,you will find that you can check through third-party payment platform.In the modern society life,you will find that even if "no",you also can buy anything you want to buy.People must go out your phone and wallet before,but now,people will find a lot of times the purse can need not take.Because,in the modern society life,most of the need to pay the bill can through the platform payment settlement.Along with the vigorous development of the third-party payment platform,is a third-party payment platform on the regulation legislation on the blank.For a long time,see the electronic commerce,online credit,third-party payment platform,such as financial in the rapid development of Internet,but to form a complete set of laws and regulations of the lack of regulation have abnormal.In 2010,our country issued "non-financial payment services management method" and other specifications related laws and regulations of third-party payment platform,to a certain extent over the gap in more than a decade in the legislation.But on the whole,the supervision of the third-party payment platform in our country is still in its infancy,there are a lot of regulation on the lack of all we need to pass legislation to perfect.This article will through the third-party payment platform regulatory status quo of China’s current national conditions and,through a variety of research methods to make research on this issue.The first part,through a third party to pay the basis of theoretical analysis,it is concluded that the concept of the third party payment basic connotation,features,etc.And the basic operation of the third party payment process,further reveal the third-party payment mode of operation.Third-party payment in the end,it is pointedout that at present in our country are faced with the risk and the necessity of regulation.The second part,first to sort out the legislative status quo of China’s current third-party payment,and points out the legislative blank in the field in our country at present.Then,further analyses the present situation in third-party payment regulation,and further points out that from the regulatory status of our country at present problems existing in the regulation of third-party payment.The third part,through the analysis of the United States,the European Union,Singapore,Japan and other Asian countries of the third party payment regulation,and points out the advantages of other countries in the third party payment.Finally,through the analysis of induction,points out the more representative of the valuable experience,hoping to third-party payment platform in China can draw lessons from to some useful methods and experience.The fourth part,mainly is for the first three part of the solution of the problem.In the former three parts proposed many third-party payment platform of insufficient and defect,the fourth part will one by one,puts forward the strategies to these problems.Including fill the blank of the legislation,introduced a small dispute settlement mechanism,establish a third-party payment platform has its own credit system,safeguard consumer rights and interests,etc.Always,will put forward a series of real solutions,to strengthen the regulation of third-party payment platform,to create a fair environment of online payment safety.