【摘要】：隨著市場經(jīng)濟(jì)進(jìn)一步深化,改革進(jìn)入深水區(qū),金融業(yè)和互聯(lián)網(wǎng)生態(tài)圈都在發(fā)生深刻的變革,當(dāng)互聯(lián)網(wǎng)與生俱來的開放性遇上金融業(yè)的專業(yè)性,兩種元素的融合爆發(fā)出奇特的化學(xué)反應(yīng),變革的序幕就在互聯(lián)網(wǎng)企業(yè)中拉開,傳統(tǒng)的金融互聯(lián)網(wǎng)已經(jīng)日漸成熟,新興的互聯(lián)網(wǎng)金融業(yè)發(fā)展如火如荼,2014年又會(huì)是互聯(lián)網(wǎng)金融業(yè)新的拐點(diǎn),同時(shí)也應(yīng)該看到,互聯(lián)網(wǎng)金融的興起,核心還是基于互聯(lián)網(wǎng)和與之對(duì)應(yīng)的龐大的信息即大數(shù)據(jù)(Big Date),海量的數(shù)據(jù)信息加之互聯(lián)網(wǎng)自身的開放性無疑會(huì)滋生各種法律問題和風(fēng)險(xiǎn),網(wǎng)絡(luò)交易的安全、用戶信息的保護(hù)、大數(shù)據(jù)的存儲(chǔ)和使用等問題都受到越來越多的學(xué)者們的質(zhì)疑和討論。第三方支付作為互聯(lián)網(wǎng)金融創(chuàng)新工具之一,從產(chǎn)生之初就備受關(guān)注,被學(xué)者們作為典型案例分析討論,由于第三方支付平臺(tái)的虛擬性以及互聯(lián)網(wǎng)金融正處于法律規(guī)制的初創(chuàng)時(shí)期,監(jiān)管的不到位很可能就會(huì)使其成為違法分子利用并進(jìn)行違法活動(dòng)的工具,諸如詐騙、非法集資、違約等等風(fēng)險(xiǎn)也一直伴隨著第三方支付平臺(tái)的發(fā)展歷程。因而,對(duì)于第三方支付的法律問題進(jìn)行深入研究和有益探討十分有必要。本文大致可以分為五個(gè)部分,第一部分詳細(xì)介紹了互聯(lián)網(wǎng)金融和第三方支付平臺(tái)的監(jiān)管及研究現(xiàn)狀,歸納并提出了基于第三方支付生態(tài)圈的新特點(diǎn)得出的一種新型的劃分方式,即傳統(tǒng)型第三方支付機(jī)構(gòu)和創(chuàng)新型第三方支付機(jī)構(gòu);第二部分,在法經(jīng)濟(jì)學(xué)的視野指導(dǎo)下對(duì)監(jiān)管模式的法律價(jià)值考量進(jìn)行了一些探究;第三部分則可以歸納為兩個(gè)小的支流,一方面,總結(jié)了國內(nèi)對(duì)第三方支付平臺(tái)采取的監(jiān)管模式,涵蓋了大陸地區(qū)、香港地區(qū)以及臺(tái)灣地區(qū)。另一方面,總結(jié)了國外主要的發(fā)達(dá)國家對(duì)第三方支付平臺(tái)采取的監(jiān)管模式,并針對(duì)相關(guān)監(jiān)管模式一一進(jìn)行了關(guān)于借鑒和啟示的總結(jié);文章最后兩個(gè)部分,分別介紹了第三方支付平臺(tái)監(jiān)管模式應(yīng)遵循的基本思路以及幾點(diǎn)建設(shè)性意見。
[Abstract]:With the deepening of the market economy and the entry of the reform into the deep water area, the financial industry and the Internet ecological circle are undergoing profound changes. When the inherent openness of the Internet meets the professionalism of the financial industry, The fusion of the two elements broke out a strange chemical reaction, the prelude to the change was opened in the Internet enterprises, the traditional financial Internet has become increasingly mature, the emerging Internet financial industry is in full swing. 2014 will be a new turning point for the Internet financial industry. At the same time, it should be noted that the rise of Internet finance is still based on the Internet and the huge information corresponding to it, big data (Big Date),. Huge amounts of data information and the openness of the Internet itself will undoubtedly breed a variety of legal problems and risks, the security of network transactions, the protection of user information, Big data's storage and use have been questioned and discussed by more and more scholars. As one of the innovative tools of Internet finance, third-party payment has attracted much attention from the beginning, and has been discussed by scholars as a typical case study. Because of the virtual nature of third-party payment platforms and the fact that Internet finance is in its infancy of legal regulation, the lack of regulation is likely to make it a tool for lawbreakers to use and engage in illegal activities, such as fraud and illegal fund-raising. Default and other risks have been accompanied by the development of third-party payment platform. Therefore, it is necessary to study and discuss the legal issues of third-party payment. This paper can be roughly divided into five parts. The first part introduces the supervision and research status of Internet finance and third-party payment platform in detail, summarizes and proposes a new type of division method based on the new characteristics of third-party payment ecosystem. Traditional third-party payment institutions and innovative third-party payment institutions; The second part, under the guidance of the vision of law and economics, has carried on some research to the legal value consideration of the supervision mode; The third part can be summed up into two small tributaries, on the one hand, summarized the domestic third party payment platform regulatory model, covering the mainland, Hong Kong and Taiwan. On the other hand, it summarizes the regulatory model adopted by the foreign major developed countries to the third-party payment platform, and summarizes the relevant regulatory models for reference and inspiration. In the last two parts, the author introduces the basic ideas and some constructive suggestions about the supervision mode of third-party payment platform.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F724.6;F832.2

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本文編號(hào)：2386476