Research On The Legal System Of Third Party Payment Enterprise Risk Supervision

The third-party payment is a new way that is developed with internet economy.It supports that the third-party payment company makes people’s life more efficient and convenient.It also drives e-commerce safer and plays a more and more important role in modem economy.Meanwhile,the third-party payment companies expand their business and innovative products so as to gradually stand firmly in the increasingly competitive bazar.Compared with the developing economy,the rising of the third-party payment companies is relatively late.However,owing to the large amout of Internet citizen,it grows quite rapidly.It can’t be ignored that risks exist,for example,due to legal system of the third-party payment company lagging behind and its management problem,problems such as customer information disclosure,account funds stealing and even money laundering and cash out by using third-party payment platform.The more user of the third-party payment company,the more social benefit it involves.Therefore,how to perfect lagal system of the third-party payment company becomes a serious problem.on the basis that the third-party payment company belongs to the quasi-financial institution,this paper analyzes the theoretical foundation of third-party payment company risk regulation from the perspective of economics and law.Referring to domestic and overseas laws and regulations,this article believes the main goal for the third-party payment company risk regulation is to maintain the legal interest of third-party payment company and its customers,the main way is regulatory on diversified subjects,the core is to establish wholesome third-party payment company risk regulation.This paper proposes suggestions to perfect the third-party payment company risk regulation from the perspective of supervise principle,external supervise and internal supervise.It aims to give the third-party payment company a healthy development environment and gurantee the third-party payment pattern safer and more more efficient.