本文選題：第三方支付 + 運(yùn)行模式��； 參考：《河北大學(xué)》2015年碩士論文

【摘要】：21世紀(jì)后,互聯(lián)網(wǎng)科技的發(fā)展突飛猛進(jìn)。與此同時(shí),以電子商務(wù)為主要形式的互聯(lián)網(wǎng)金融伴隨互聯(lián)網(wǎng)的發(fā)展而崛起,第三方電子支付作為電子商務(wù)資金流轉(zhuǎn)的中流砥柱應(yīng)運(yùn)而生;第三方支付機(jī)構(gòu)為買賣雙方提供支付中介服務(wù)進(jìn)行收、付款行為,從而促成電子商務(wù)的交易;第三方支付的運(yùn)行建立在支付通道模式、直付型虛擬賬戶模式和信用中介型虛擬賬戶模式之上;第三方支付機(jī)構(gòu)所提供的支付服務(wù)在不同運(yùn)行模式下有不同性質(zhì)的法律定位;第三方支付中涉及諸多法律關(guān)系,包括第三方支付機(jī)構(gòu)與買賣雙方的法律關(guān)系、第三方支付機(jī)構(gòu)與銀行的法律關(guān)系。梳理這些法律性質(zhì),剖析我國第三方支付市場發(fā)展的不足和我國立法的不完善,是本文提出監(jiān)管建議的依據(jù)。在域外,美國和歐盟對第三方支付的立法較為完備,規(guī)范較為詳細(xì),并得到了有效貫徹執(zhí)行,對我國第三方支付的法律監(jiān)管的完善提供重要借鑒。它們嚴(yán)格限制市場準(zhǔn)入資格;結(jié)合動(dòng)態(tài)監(jiān)管與全面監(jiān)管;規(guī)定了市場退出程序;全方位監(jiān)管客戶備付金;強(qiáng)調(diào)消費(fèi)者權(quán)益保障;強(qiáng)調(diào)加強(qiáng)監(jiān)管與支持創(chuàng)新并重的原則。美國和歐盟的監(jiān)管給予我國重要啟示,如完善第三方支付立法體系、建立客戶備付金制度和加強(qiáng)消費(fèi)者權(quán)益保護(hù)。我國現(xiàn)有立法體系以行政規(guī)章為主,立法內(nèi)容側(cè)重主體監(jiān)管,整體而言立法較為分散、凌亂;第三方支付平臺(tái)存在諸多法律問題:第三方支付機(jī)構(gòu)被定義為非金融機(jī)構(gòu),規(guī)避了其涉及金融功能的事實(shí);客戶備付金監(jiān)管不力;缺少消費(fèi)者權(quán)益保護(hù);缺失對洗錢犯罪的監(jiān)管。因此,亟需優(yōu)化我國電子支付行業(yè)的法律環(huán)境,完善我國法律監(jiān)管制度,引導(dǎo)并規(guī)范第三方電子支付服務(wù)的發(fā)展,加快信息時(shí)代的金融生態(tài)建設(shè)。綜上所述,需要在結(jié)合我國第三方支付發(fā)展實(shí)際并充分借鑒外國做法的基礎(chǔ)上,明確我國監(jiān)管目標(biāo)和原則,構(gòu)建以中國人民銀行為監(jiān)管主體,以商業(yè)銀行的協(xié)作監(jiān)督為基礎(chǔ),以支付機(jī)構(gòu)行業(yè)的自律為手段,以廣泛的社會(huì)公眾監(jiān)督為補(bǔ)充的監(jiān)管組織結(jié)構(gòu),完善對客戶備付金、消費(fèi)者保護(hù)不足及反洗錢行為的監(jiān)管,并規(guī)范市場準(zhǔn)入環(huán)節(jié)、日常經(jīng)營環(huán)節(jié)、市場退出環(huán)節(jié)的監(jiān)管措施。
[Abstract]:After 21 st century, the development of Internet science and technology is advancing by leaps and bounds. At the same time, with the development of the Internet, the third party electronic payment as the mainstay of the circulation of e-commerce funds emerges as the main form of Internet finance. Third-party payment institutions provide payment intermediary services for buyers and sellers to receive and pay for transactions, thus facilitating e-commerce transactions. The operation of third-party payments is based on the payment channel model. The direct payment virtual account mode and the credit intermediary virtual account mode; the payment service provided by the third party payment organization has different legal position under the different operation mode; the third party payment involves many legal relations. It includes the legal relationship between the third party payment institution and the buyer and seller, and the legal relationship between the third party payment institution and the bank. Combing these legal properties, analyzing the deficiency of our country's third party payment market and the imperfection of our country's legislation are the basis for this article to put forward the supervision suggestion. Abroad, the legislation of third-party payment in the United States and the European Union is relatively complete, the norms are more detailed, and have been effectively implemented, which provides an important reference for the improvement of the legal supervision of third-party payment in China. They strictly restrict market access eligibility; combine dynamic regulation with overall regulation; provide for market exit procedures; fully regulate customer reserves; emphasize consumer protection; and emphasize the principle of both strengthening regulation and supporting innovation. The supervision of the United States and the European Union gives our country important enlightenment, such as perfecting the legislation system of third-party payment, establishing the system of customer reserve and strengthening the protection of consumers' rights and interests. The current legislative system of our country is dominated by administrative rules and regulations, and the content of legislation focuses on the supervision of the subject. On the whole, the legislation is scattered and messy. There are many legal problems in the third-party payment platform: the third-party payment institution is defined as a non-financial institution. It evades the fact that its financial function is involved; the supervision of customer's reserve fund is weak; it lacks the protection of consumer's rights and interests; and it lacks the supervision of money laundering crime. Therefore, it is urgent to optimize the legal environment of China's electronic payment industry, perfect our legal supervision system, guide and standardize the development of third-party electronic payment services, and speed up the construction of financial ecology in the information age. To sum up, it is necessary to make clear the objectives and principles of China's supervision on the basis of the actual development of third-party payment in China and to draw full lessons from foreign practices, and to build a cooperative supervision based on the people's Bank of China as the main body of supervision, and on the basis of the cooperative supervision of commercial banks. To take the self-discipline of the payment agency industry as a means, to take extensive public supervision as a supplement to the regulatory organization structure, to improve the supervision of customer reserves, inadequate consumer protection and anti-money laundering, and to standardize market access links, Daily business links, market withdrawal from the link of regulatory measures.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.28

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