Research On The Management Of The Third Party Payment Based On The Perspective Of Regulation

In recent years,with the vigorous development of e-commerce market,as the important support of the third party payment machine constitutes a geometric growth.As a new way of payment,new requirements are put forward.Insufficient supervision or over regulation will hinder the healthy development of the third party payment industry.How to balance between the two and realize effective supervision has become a new topic for the supervision department.In this paper,third party payment supervision as the research object,the problems of the current third party payment supervision,the causes of the problems and the corresponding countermeasures are analyzed in detail.The paper first summarizes the research background,significance and the relevant research results at home and abroad.Then,on the basis of the analysis of the current status of the third party payment supervision in China,the shortcomings of the current supervision and its causes are expounded in detail.Finally,through the analysis of the United States,the EU and Asia,and so on.The state's third party payment supervision model,summarizing the experience,and combining the status of China's third party payment,put forward some suggestions to improve the supervision of the third party payment in China.Through the analysis and research,the following conclusions are drawn:(1)at present,the third party payment industry in China is at a high speed development period;the market concentration is high;supervision continues to tighten,the purchase tide in the domestic market continues to emerge,the mobile end payment continues to account for the market share,and the financial technology goes to the sea to continue to become a upsurge.(2)there are different regulatory standards in the process of rapid development of third party payment in China,which leads to the problem of regulatory arbitrage,the lack of supervision system leading to the double track price problem,the poor government supervision and the problemof fraud and money laundering,and the shortage of payment security caused by the lack of supervision technology.These problems are related to the current regulatory system of the third party payment regulation in China,the lack of legal system and the limitation of law enforcement capabilities.(3)this paper puts forward the supervision system of third party payment in China's government supervision,including: the subject of supervision should take the people's Bank of China as the center,the Banking Regulatory Commission and the auxiliary supervision of commercial banks;the supervision focuses on the supervision of the market entry stage,the supervision of the daily operation stage,the supervision of the market exit link,and the non on-site inspection and the supervision means.The means of combining field inspection.(4)in this paper,from the further construction and improvement of the third party payment supervision and regulation system,the further construction and improvement of the third party payment supervision mode,further clarify and implement the third party payment of the government supervision and control of the three aspects put forward the corresponding implementation proposals and measures.