本文選題：網絡第三方支付 + 風險�。� 參考：《湖南師范大學》2015年碩士論文

【摘要】：網絡第三方支付作為一種金融創(chuàng)新,給人們帶來了全新的金融服務體驗,它通過與各大銀行簽約的方式與銀行支付結算系統(tǒng)對接,極大地方便了商事交易。但是因為其涉及行業(yè)的特殊性,其運行潛在著多種風險,如網絡技術安全風險、沉淀資金被挪用風險、信用缺失風險等,因此必須加強對網絡第三方支付的法律監(jiān)管。網絡第三方支付是指借助于網絡為用戶提供支付指令傳達、處理等中介服務,從而實現(xiàn)資金轉移的支付方式,按照不同標準可以將其劃分為不同的種類。在實際的經濟運行中,我國對網絡第三方支付的監(jiān)管面臨著諸多問題,目前并沒有形成網絡第三方支付法律監(jiān)管體系,隨著近幾年網絡第三方支付的蓬勃發(fā)展,立法者通過實地調查研究,出臺了《非金融機構支付服務管理辦法》和《支付機構客戶備付金存管辦法》,在一定程度上填補了對網絡第三方支付的法律監(jiān)管空白,但這僅僅是一些框架性的規(guī)定,可操作性不強,并且沒有完全囊括網絡第三方支付面臨的法律問題。所以,要想促使網絡第三方支付在法律規(guī)制下健康發(fā)展,當務之急是針對網絡第三方支付建立起全面的法律監(jiān)管體系。關于網絡第三方支付法律監(jiān)管問題,從防范法律風險的角度出發(fā),我們需要對網絡第三方支付進行事前、事中、事后的全方位監(jiān)管,建立相對嚴格的市場準入和退出機制,并根據我國國情確立相應監(jiān)管原則,在此基礎上對網絡第三方支付進行全方位的監(jiān)管立法。立法部門應當制定出包括網絡第三方支付法律框架的頂層設計和相關基礎性法律在內的系統(tǒng)法律體系,此外,將完善網絡第三方支付的監(jiān)管立法與監(jiān)管體制、機制結合起來研究,構建科學有效的網絡第三方支付法律監(jiān)管體系。
[Abstract]:As a kind of financial innovation, network third-party payment brings people a new experience of financial service. It connects with the payment and settlement system of banks through the way of signing contracts with major banks, which greatly facilitates commercial transactions. However, due to the particularity of the industry, there are many potential risks in its operation, such as network technology security risk, the risk of embezzlement of precipitated funds, the risk of lack of credit, and so on. Therefore, the legal supervision of third-party payment on the network must be strengthened. The third party payment on the network means to provide payment instruction transmission, processing and other intermediary services to the user with the help of the network, so as to realize the payment method of fund transfer. According to different standards, it can be divided into different kinds. In the actual economic operation, our country faces many problems to the network third party payment supervision, at present has not formed the network third party payment legal supervision system, along with the network third party payment vigorous development in recent years, Through field investigations and studies, legislators issued the "measures for the Administration of payment Services of Non-Financial institutions" and the "measures for the Management of customer Reserve deposits by payment institutions," which to a certain extent filled the gap in the legal supervision of third-party payments on the Internet. However, these are only some framework rules, which are not operable, and do not fully cover the legal problems faced by the third party payment on the network. Therefore, in order to promote the healthy development of network third-party payment under the legal regulation, the urgent task is to establish a comprehensive legal supervision system for network third-party payment. With regard to the legal supervision of third-party payment on the network, from the angle of preventing legal risks, we need to carry out comprehensive supervision in advance, in the matter and afterwards, and establish a relatively strict mechanism for market access and withdrawal. According to the situation of our country, it establishes the corresponding supervision principle, and carries on the omni-directional supervision legislation to the network third party payment on this basis. The legislature should develop a system of legal systems, including the top-level design of the legal framework for third-party payment on the Internet and related basic laws. In addition, it will improve the regulatory legislation and regulatory system for third-party payment on the Internet. The mechanism is combined to construct a scientific and effective network third-party payment legal supervision system.
【學位授予單位】：湖南師范大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.28

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本文編號：1988297