Research On Mobile Payment Legal Regulation

The rapid development of mobile Internet and the growing popularity of e-commerce activities for China’s mobile payment activities to create a fertile survival of the soil,but also to a certain extent,cultivate the habit of consumer online payment,which contributed to the mobile payment market in China Big outbreak.In addition,the smart phone continues to improve the penetration rate,but also makes the mobile payment depends on the survival of the hardware conditions are gradually available.Mobile payment as a new type of business development model,which is currently around the world set off on the upsurge of financial and electricity business revolution.However,compared with the traditional payment industry,mobile payment has many characteristics,such as the complexity of the main body,the complexity of legal relations and other characteristics,which in the majority of payment users to bring extreme convenience,but also virtually increase the payment of security risks.On the issue of regulation,mobile payment still has a series of phenomena such as irrational design of market access system,lack of effective security of transaction,lack of supervision and dislocation of supervision,and imperfect system of rights relief.In order to realize the orderly development of mobile payment,this paper has carried on the related research on the legal regulation of mobile payment from the angle of law perspective.First of all,this paper discusses the basic theory of mobile payment and the legal relationship it contains,which reveals the principle of mobile payment to create value,the behavioral characteristics of mobile payment users and the complicated complexity involved in mobile payment Of the legal relationship,which led to the mobile payment of the relevant legal regulation of the discussion.Secondly,this paper analyzes the legal regulation of mobile payment in China,analyzes the shortcomings and the existing problems in the legal regulation of mobile payment in China from the perspective of market access,transaction behavior,government regulation and right relief of mobile payment Causes.Thirdly,this paper analyzes the advanced rule of law experience of foreign mobile payment,summarizes the EU model,American model,Japanese model and Korean model of mobile payment legal regulation,and extracts the essence of these models on the legal regulation of mobile payment.Finally,based on the analysis of the existing problems in China’s mobile payment legal regulation and the analysis of the advanced legal regulation of mobile payment in foreign countries,this paper puts forward some suggestions on perfecting the legal regulation of mobile payment in China.