Research On The Legal Issues Of The Third Party Network Payment Risk Supervision

With the rapid development of network information technology and e-commerce in China,the third-party network payment,as an efficient and convenient payment method,is accepted by more and more people,and gradually occupies a larger market share.However,we have to admit that the third-party network payment not only brings us convenience,but also breaks the original balance of legal supervision,and forms different legal relationships,resulting in increasing risks.At present,the relevant laws of our country have no clear positioning for the third-party network payment,and there is still a vacuum zone for the supervision of the third-party network payment.With the rapid development of the industry,these problems need to be solved.This paper is divided into four chapters: the first chapter introduces the risks of the third-party network payment from the case,the development status of the third-party network payment and the legal relationship of the third-party network payment through the analysis of the case;the second chapter focuses on the analysis of the legal supervision status of the third-party network payment,puts forward the problems in the supervision process,and expounds the elimination from three aspects The risk of the payer in the process of the third-party network payment.The third chapter lists the experience of the United States and the European Union in the process of third-party network payment supervision,and puts forward "China measures" in comparison with China.The fourth chapter gives specific suggestions and measures from four aspects:improving the internal and external regulatory environment,strengthening the protection of consumers' rights and interests,strengthening the mechanism of resolving unauthorized payment and avoiding the risk of deposited funds.This paper discusses the current situation of the supervision of the third-party online payment platform and transaction process by the corresponding provisions of the laws and regulations in China,analyzes the advantages and disadvantages of the current laws and regulations,and puts forward specific suggestions for the improvement of the relevant regulatory legal system.