Research On Legal Regulation Of Third-Party Electronic Payment Platform

The advancement of computer technology has led to the rapid development of e-commerce.The generation and application of the new payment method of third-party electronic payment plays a decisive role in the success of Internet transactions.Third-party electronic payment is efficient,convenient and credit-guaranteed.It is a bridge between the parties to the transaction and the bank.These characteristics make the third-party payment institutions grow rapidly,and a wide range of user groups also bring huge benefits.A variety of third-party electronic payment institutions have sprung up and attempted to gain a share in the e-commerce payment market.Representative third-party electronic payment institutions at home and abroad include Alipay,Tenpay,PayPal,and QQ Wallet.The development history of China's electronic payment is much shorter than that of Western developed countries such as the United States and Europe.The legal system for this emerging field has not yet formed a complete system,and the relevant systems are not mature enough.Up to now,in the legislative system of third-party electronic payment in China,administrative department regulations and normative documents with lower level of effectiveness occupy a core position.It can be seen that the contradiction between the innovative development of the third-party electronic payment industry and the legislative defects in China has become increasingly prominent.In the face of new problems in the new field,China's legislation often has an embarrassing situation of “headaches,pains and pains”.Therefore,in order to promote the healthy development of Internet finance,it is necessary to standardize legislation and improve the applicability of laws as soon as possible to improve the regulatory system of third-party electronic payment platforms.First,the article clarifies the general theory of third-party payment,including the introduction of the concept and development model of third-party electronic payment,the status of the parties in the field of third-party electronic payment and the analysis of the civil,administrative and criminal legal relationships involved.Using system analysis methods to explore the role of third-party electronic payment platforms in the entire trading system;secondly,the article uses normative analysis methods to summarize the development history and legislative status of third-party electronic payment legal systems in China,combined with specific market access systems and counter-The money laundering system and the account deposit fund system clarifyChina's legislative defects;once again,introduce the US and EU regulatory models with faster development of electronic payment and compare with the corresponding systems in China,summing up China's transformation of third-party electronic payment supervision mode And standardize legislation to make up for the lack of protection of consumer rights and interests;finally,comprehensive the full text,put forward suggestions for perfecting the third-party electronic payment platform regulation system in China,including the establishment of the upper-level law and unified regulation system at the legislative level,and improve the payment at the judicial level.Law of error dispute Applicable rules,at the policy level to encourage and take control with both hands on the attitude of third-party electronic payment industry,a modest improvement in the existing regulatory environment is extremely harsh.