| With the improvement of Internet technology,online trading has also been accepted by the masses.In recent years,the caller industry has always been in the golden period of rapid development.In this environment,the third-party payment industry has also appeared in front of the public,and the economic size and transaction scale have been expanding.Since then,the third-party payment has played a significant role in economic development and improving the quality of national life.In order to regulate the production and operation behavior of the e-commerce industry,China formally formulated and promulgated the E-commerce Law in 2018.The payment platform appears in the "dual framework" of traditional transaction through network information technology.When the two parties reach a transaction,the platform takes charge of customer funds.When the seller delivers the transaction target to the buyer,the payment platform transfers this part of the fund into the seller’s account.It can be seen that the third-party payment platform plays an intermediary role in the online transaction activities.With the rapid increase of the transaction volume of third-party payment in recent years,the accumulated amount of precipitation funds is increasing,so that infringement of the rights and interests of consumers’ precipitation funds occurs from time to time in practice.From these infringements,it can be seen that this part of precipitation funds and large interest generated,if not regulated in place,will have a huge impact on consumers,e-commerce market,and even the society.In practice,China has considered the related issues of third-party payment from the perspective of law and formulated laws to regulate it,but the relevant provisions on precipitation funds are in a state of legal shortage.Therefore,in order to solve the problems related to precipitation funds,we should first improve the rank of laws and regulations related to precipitation funds management,build a perfect and effective legal system,solve the problems that have occurred and may occur in the future through legislation,so that both regulators and regulated have laws to abide by;Secondly,according to the current business model of China’s third-party payment platform,choose the appropriate supervision mode;Finally,the third party payment platform has the responsibility and obligation to protect the safety of precipitation funds,but as a non-profit organization,as the management goal is to obtain higher profits,so the third party payment platform should be in capital finds the best balance between safety and economic benefits,without exacerbating capital,on the basis of security risks,improve the utilization efficiency of precipitation funds,as much as possible Further improve the management order of the payment industry to ensure its stable and orderly development. |
