本文關(guān)鍵詞： 第三方支付 第三方支付企業(yè) 風(fēng)險(xiǎn)監(jiān)管 法律制度 完善　出處：《西南石油大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：第三方支付是隨著互聯(lián)網(wǎng)經(jīng)濟(jì)的發(fā)展而產(chǎn)生的一種新型支付方式,它由第三方支付企業(yè)提供平臺(tái)支撐,為人們帶來了更為高效便捷的生活方式和生產(chǎn)方式,推動(dòng)著電子商務(wù)向安全與快捷的方向急劇發(fā)展,在現(xiàn)代經(jīng)濟(jì)活動(dòng)中占據(jù)著越發(fā)重要的地位。與此同時(shí),第三方支付企業(yè)也在不斷拓展業(yè)務(wù)、創(chuàng)新產(chǎn)品,在競(jìng)爭(zhēng)日益激烈的市場(chǎng)中逐漸站穩(wěn)了腳跟。相對(duì)于發(fā)達(dá)國(guó)家來說,第三方支付企業(yè)在我國(guó)出現(xiàn)時(shí)間雖較晚,但由于我國(guó)網(wǎng)民數(shù)量龐大,其發(fā)展態(tài)勢(shì)尤為迅猛。高速發(fā)展的同時(shí)一系列風(fēng)險(xiǎn)也不斷在滋生,如因我國(guó)第三方支付企業(yè)法律制度滯后及第三方支付企業(yè)自身管理漏洞而導(dǎo)致的客戶信息泄露、資金被盜甚至利用第三方支付企業(yè)提供的支付平臺(tái)進(jìn)行洗錢和套現(xiàn)等已經(jīng)在現(xiàn)實(shí)生活中時(shí)有發(fā)生。第三方支付使用人數(shù)眾多,涉及到社會(huì)公眾方方面面的利益,因此如何完善我國(guó)第三方支付企業(yè)風(fēng)險(xiǎn)監(jiān)管法律制度是目前迫切需要解決的問題。本文在明確第三方支付企業(yè)應(yīng)屬于準(zhǔn)金融機(jī)構(gòu)的基礎(chǔ)上,從經(jīng)濟(jì)學(xué)和法學(xué)的視角出發(fā),分析了第三方支付企業(yè)風(fēng)險(xiǎn)監(jiān)管的理論基礎(chǔ),并通過對(duì)國(guó)內(nèi)外第三方支付企業(yè)相關(guān)法律法規(guī)的比較研究,認(rèn)為對(duì)第三方支付企業(yè)風(fēng)險(xiǎn)監(jiān)管的主要目的應(yīng)是維護(hù)客戶與第三方支付企業(yè)的合法權(quán)益,主要手段應(yīng)是多元化主體的監(jiān)管,核心是建立起健全的第三方支付風(fēng)險(xiǎn)監(jiān)管法律制度。筆者從監(jiān)管原則、外部監(jiān)管、內(nèi)部監(jiān)管三個(gè)層面提出了完善我國(guó)第三方支付企業(yè)風(fēng)險(xiǎn)監(jiān)管法律制度的建議,以期促進(jìn)第三方支付企業(yè)平穩(wěn)健康發(fā)展和第三方支付模式的高效安全。
[Abstract]:With the development of Internet economy, third-party payment is a new payment method, which is supported by third-party payment enterprises, and brings people a more efficient and convenient way of life and production. E-commerce is developing rapidly in the direction of safety and quickness, and it is playing an increasingly important role in modern economic activities. At the same time, third-party payment enterprises are also expanding their business and innovating their products. Compared with the developed countries, third-party payment enterprises appeared in China later, but because of the large number of Internet users in our country, At the same time, a series of risks are constantly growing, such as the leakage of customer information caused by the lag of the third party payment enterprise legal system and the loophole in the management of the third party payment enterprise in our country. The theft of funds and even the use of payment platforms provided by third-party payment enterprises for money laundering and cash laundering have occurred from time to time in real life. The large number of third party payments involves the interests of all aspects of the public. Therefore, how to perfect the legal system of risk supervision of third-party payment enterprises in China is an urgent problem to be solved. On the basis of making clear that third-party payment enterprises should belong to quasi-financial institutions, this paper starts from the perspective of economics and law. This paper analyzes the theoretical basis of the risk supervision of third-party payment enterprises, and compares the relevant laws and regulations of third-party payment enterprises at home and abroad. The main purpose of risk supervision of third-party payment enterprises should be to protect the legitimate rights and interests of customers and third-party payment enterprises, and the main means should be the supervision of diversified subjects. The core is to establish a sound third party payment risk supervision legal system. The author puts forward some suggestions on perfecting the third party payment enterprise risk supervision legal system from the three aspects of supervision principle, external supervision and internal supervision. In order to promote the smooth and healthy development of third-party payment enterprises and third-party payment mode of high-efficiency and safety.
【學(xué)位授予單位】：西南石油大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.291.91;D922.28

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