Research On Legal Issues Of Mobile Payment Risk Prevention

In recent years,based on the advantages of the flexible and fast mobile payment has become one of the most development potential and vitality of payment.At the same time,however,the rapid development of mobile payment also highlighted various latent risk,such as: mobile payment industry standard for risk management,mobile payment platform,user credit risk,and so on.The author through the analysis and research on mobile payment risk,and combined with the status quo of mobile payment risk prevention in our country,draw lessons from foreign beneficial experience in mobile payment risk prevention,in order to put forward scientific risk prevention advice.On the system except the preface and epilogue,this article mainly from the following four contents:The first part is the overview of mobile payment risk.Mainly on the basic concept,classification and characteristics of mobile payment for simple elaboration,then introduces the development of mobile payment,and mobile payments have been expounded in detail the various type of risk.The second part is the research on the status analysis of mobile payment risk prevention in China.The author mainly from the regulatory status quo of China's mobile payment,laws and regulations,and discusses the four angles to the risk prevention,objectively analysis current our country to guard against the defects existing in the mobile payment risk and need to solve the problem.The third part is the comparison of foreign mobile payment risk prevention.Is mainly to the United States,Japan,South Korea and the European Union four countries or regions of mobile payment risk prevention mechanism and the relevant laws and regulations for research,comparative analysis of the advantages and disadvantages objectively,and combined with our existing system as well as the development present situation,summarize and learn from foreign beneficial experience in preventing risks of mobile payment.The fourth part is the proposal of preventing mobile payment risk in China.The author from legal perfect supervision mechanism,industry,and platform construction and user to three different levels,Suggestions to perfect the relevant laws and regulations,mobile payment clear regulatory body and strengthen the risk prevention and supervision of the mobile payment industry,to strengthen the regulation of mobile payment platform,and enhance the user risk prevention to scientific effectively guard against risk,and so on.