【摘要】：隨著互聯(lián)網(wǎng)的快速發(fā)展,互聯(lián)網(wǎng)金融正在悄無聲息地改變著人們傳統(tǒng)的生活方式,其中第三方支付平臺(tái)作為新興的互聯(lián)網(wǎng)金融產(chǎn)物不僅為電子商務(wù)提供了方便快捷的資金轉(zhuǎn)移通道,同時(shí)也為傳統(tǒng)實(shí)體經(jīng)濟(jì)帶來了一場(chǎng)大規(guī)模的支付變革。近年來,第三方支付市場(chǎng)在國家政策的支持下百花齊放,交易規(guī)模逐年快速增長,但由于我國網(wǎng)絡(luò)支付起步較晚,相關(guān)法律法規(guī)并未跟上互聯(lián)網(wǎng)金融發(fā)展的速度,現(xiàn)有監(jiān)管體系并不完善,加之互聯(lián)網(wǎng)環(huán)境錯(cuò)綜復(fù)雜,第三方支付平臺(tái)在方便人們生活的同時(shí)也為人們帶來諸多法律風(fēng)險(xiǎn),如洗錢、信用卡套現(xiàn)、逃稅等。這些風(fēng)險(xiǎn)若得不到有效防范,不僅會(huì)損害廣大消費(fèi)者的利益,甚至?xí){社會(huì)整體金融秩序的穩(wěn)定。相較于我國,國外第三方支付業(yè)務(wù)起步較早,相應(yīng)的監(jiān)管體系伴隨著業(yè)務(wù)發(fā)展已相對(duì)成熟,尤其在美國、歐盟等發(fā)達(dá)國家,從立法法規(guī)到監(jiān)管措施上均具有獨(dú)特性,且在消費(fèi)者保護(hù)、反洗錢等方面更具有借鑒價(jià)值。反觀我國的立法體系和監(jiān)管制度,我國對(duì)第三方支付平臺(tái)的規(guī)范仍存在許多不足之處,對(duì)消費(fèi)者的保護(hù)力度亟待加強(qiáng)。本文擬從第三方支付平臺(tái)運(yùn)行模式及法律風(fēng)險(xiǎn)成因進(jìn)行分析,將第三方支付法律風(fēng)險(xiǎn)按風(fēng)險(xiǎn)來源分為兩類,并進(jìn)行相關(guān)案例分析,通過案例分析深入探討第三方支付平臺(tái)法律風(fēng)險(xiǎn)特點(diǎn)、成因及應(yīng)對(duì)措施。同時(shí),對(duì)我國有關(guān)第三方支付平臺(tái)的立法情況進(jìn)行概述和分析,并對(duì)美國、歐盟等國家和地區(qū)相關(guān)立法情況和監(jiān)管措施進(jìn)行闡述,進(jìn)而對(duì)我國的立法體系和監(jiān)管措施提出建議。
[Abstract]:With the rapid development of the Internet, Internet finance is quietly changing people's traditional way of life. As a new Internet financial product, the third-party payment platform not only provides a convenient and fast channel for the transfer of funds for e-commerce, but also brings a large-scale payment reform to the traditional real economy. In recent years, with the support of national policies, the third-party payment market has bloomed, and the scale of transactions has increased rapidly year by year. However, due to the late start of online payment in China, the relevant laws and regulations have not kept pace with the development of Internet finance. The existing regulatory system is not perfect, in addition to the complex Internet environment, third-party payment platforms not only facilitate people's lives, but also bring people a lot of legal risks, such as money laundering, credit card cash, tax evasion and so on. If these risks are not effectively prevented, they will not only harm the interests of consumers, but also threaten the stability of the whole social financial order. Compared with our country, foreign third-party payment business started earlier, the corresponding regulatory system has been relatively mature with the development of business, especially in the United States, the European Union and other developed countries, from the legislative regulations to regulatory measures are unique. And in consumer protection, anti-money laundering and other aspects have more reference value. Looking back at our country's legislative system and supervision system, there are still many deficiencies in the regulation of third-party payment platform in our country, and the protection of consumers needs to be strengthened urgently. This paper analyzes the operation mode of third-party payment platform and the cause of legal risk, divides the legal risk of third-party payment into two categories according to the risk source, and carries on the related case analysis. This paper discusses the legal risk characteristics, causes and countermeasures of third-party payment platform through case analysis. At the same time, this paper summarizes and analyzes the legislation of the third-party payment platform in China, and expounds the relevant legislation and regulatory measures of the United States, the European Union and other countries and regions, and then puts forward some suggestions on the legislative system and regulatory measures of our country.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：D922.28

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