【摘要】：現(xiàn)今社會,伴隨著互聯(lián)網(wǎng)金融領(lǐng)域的蓬勃發(fā)展,第三方支付在日常生活中扮演著愈來愈重要的角色。自2010年以來,為適應(yīng)第三方支付行業(yè)的發(fā)展,央行相繼出臺了《非金融機(jī)構(gòu)支付服務(wù)管理辦法》等相關(guān)法律法規(guī),目前為止,有關(guān)第三方支付機(jī)構(gòu)的監(jiān)管框架基本形成。然而,諸多風(fēng)險(xiǎn)漏洞仍然存在,包括沉淀資金的權(quán)益歸屬及使用不明、消費(fèi)者權(quán)益保護(hù)機(jī)制欠缺等。本文將通過對諸多風(fēng)險(xiǎn)漏洞進(jìn)行分析,提出一些有針對性的監(jiān)管建議,旨在為第三方支付行業(yè)未來的發(fā)展提供可行的參考。
[Abstract]:Nowadays, with the rapid development of Internet finance, third-party payment plays a more and more important role in daily life. Since 2010, in order to adapt to the development of the third-party payment industry, the central bank has issued the "non-financial institutions payment service management measures" and other related laws and regulations, so far, the regulatory framework of third-party payment agencies has basically formed. However, many risk loopholes still exist, including unclear ownership and use of the rights and interests of settling funds, lack of consumer protection mechanism and so on. Through the analysis of many risk loopholes, this paper puts forward some targeted regulatory suggestions to provide a feasible reference for the future development of third-party payment industry.
【作者單位】： 大連理工大學(xué)人文與社會科學(xué)學(xué)部;
【基金】：大學(xué)生創(chuàng)新項(xiàng)目階段性成果(201510140878)
【分類號】：D922.28

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