A Study Of Legal Issues On The Supe Rvision Of Sedimentary Money Of The Internet Third-party Payment

The advancement of science and technology has ushered in a peak period for the evolution of the Internet third-party payment industry.The emergence of the third-party payment industry meets the needs of the development of modern online transactions,enriches the payment methods that people consume every day,and brings great convenience to people’s daily lives.However,everything has two sides,and we should look at emerging things from a dialectical point of view.The rapid development of the third-party payment industry,while promoting social economy development,also has some risks that cannot be ignored.Among them,the most noteworthy risk is how to supervise the huge amount of deposited funds held by third-party payment platforms on the Internet.Only by effectively supervising this part of the deposited funds can the rights and interests of users be safeguarded and the third-party payment industry develop continuously and healthily.By understanding the development status of the payment industry,this article deeply realizes that the current laws and regulations in China have not effectively regulated the problem of deposit funds being misappropriated.To this end,this article attempts to actively learn from the advanced legislative provisions and regulatory system of countries outside the region,and is committed to improving the current situation of China’s insufficient supervision of Internet third-party payment precipitation funds.This article mainly has four parts,as follow:The first part is to elaborate the related concepts related to settling funds.The first is to give a detailed introduction to the connotation,nature,and attribution of third-party payment and deposit funds on the Internet.The second is to fully understand the development status and potential risks of China’s third-party payment of deposit funds,and emphasize the importance of deposit funds supervision.The second part is to investigate the legislation and practical experience of the third-party payment precipitation fund supervision by countries outside the region.Systematically analyze the practices of countries such as the United States,the European Union,and Japan,find commonalities,appropriately draw on their qualitative and regulatory regulations on precipitation funds,take their essence,and find some specific measures for our country to effectively solve the problem of regulation of precipitation funds.The third part is to understand the current legal system,which specifically involves the legal provisions of third-party Internet payment of precipitation funds,and find out the problems related to the supervision of precipitation funds.Specifically,it analyzes the legislative status of the deposited funds,the attribution and distribution of the deposited funds and their fruits,the content of the supervision,and the subject of supervision.It is concludedthat China ’s Internet third-party payment of deposited funds has a lower legal rank and deposited funds There are five major problems in the distribution of funds and inadequat regulator measures,imperfections in the supervision of precipitation funds,the sole supervision of precipitation funds and the lack of self-regulatory systems in the third-party payment industry.The fourth part is to put forward some improvement measures for the difficulties in the supervision of precipitation funds.This includes improving the content of legislation,raising the level of law,rationally using third-party payment for deposit funds,expanding the content of deposit fund supervision,enriching the main body of supervision of deposit funds,constructing payment industry norms and self-regulation systems,etc.Supervision system for depositing funds for third-party Internet payments.Due to the limitations of online transactions,the fast development of the Internet third-party payment industry will inevitably accumulate a huge amount of deposited funds.At this time,if the regulatory issues of deposit funds are not properly resolved,it will definitely affect the long-term development of the Internet third-party payment industry.How to solve the regulatory issues of deposit funds reasonably and efficiently is urgent.