本文關(guān)鍵詞：論我國(guó)第三方支付法律監(jiān)管制度的完善　出處：《安徽大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 支付寶 第三方支付 法律監(jiān)管

【摘要】：支付寶,這個(gè)廣泛出現(xiàn)在智能手機(jī)中的應(yīng)用軟件,已經(jīng)成為當(dāng)代人們經(jīng)濟(jì)生活中的重要工具。隨著支付寶、微信支付等平臺(tái)的快速發(fā)展,第三方支付給我們的生活帶來(lái)了極大的方便,成為我們生活中的得力助手。然而隨著第三方支付越來(lái)越普及,與客戶的粘性越來(lái)越大,出現(xiàn)的問(wèn)題也隨即增多。尤其近年來(lái),關(guān)于消費(fèi)者權(quán)益受到侵害的新聞報(bào)道層出不窮,使得我國(guó)對(duì)于第三方支付法律監(jiān)管這一領(lǐng)域逐漸重視起來(lái)。中國(guó)人民銀行自2010年就先后頒布了一系列規(guī)范性法律文件來(lái)規(guī)范第三方支付行業(yè)。比如2010年的《非金融支付機(jī)構(gòu)服務(wù)管理辦法辦法》將第三方支付機(jī)構(gòu)納入了央行的監(jiān)管范圍;2015年的《非銀行支付機(jī)構(gòu)網(wǎng)絡(luò)支付業(yè)務(wù)管理辦法》更進(jìn)一步地對(duì)第三方支付監(jiān)管的法律體系進(jìn)行了完善,對(duì)第三方支付機(jī)構(gòu)的賬戶管理、風(fēng)險(xiǎn)管理等方面進(jìn)行了進(jìn)一步的明確。但是與美國(guó)歐盟等第三方支付發(fā)展較早的國(guó)家地區(qū)相比,我國(guó)的監(jiān)管制度還有一定的缺陷,相關(guān)的法律法規(guī)仍有待完善。當(dāng)前對(duì)于規(guī)范第三方支付的法律,在立法層級(jí)和體系、沉淀資金的監(jiān)管、消費(fèi)者救濟(jì)渠道、不正當(dāng)競(jìng)爭(zhēng)和壟斷行為規(guī)定以及技術(shù)規(guī)范等方面存在一系列問(wèn)題,我國(guó)應(yīng)當(dāng)結(jié)合歐美對(duì)第三方支付監(jiān)管的先進(jìn)經(jīng)驗(yàn),進(jìn)一步改善監(jiān)管現(xiàn)狀。要完善第三方支付的法律監(jiān)管體系,就要構(gòu)建以央行為中心的全方位監(jiān)管體制。我國(guó)目前監(jiān)管的法律主體為中國(guó)人民銀行(即央行),這種單一的監(jiān)管體制對(duì)當(dāng)前正在蓬勃發(fā)展的第三方支付市場(chǎng)無(wú)法提供有效的保障,所以應(yīng)當(dāng)鼓勵(lì)行業(yè)組織和社會(huì)公眾有序參與到第三方支付的監(jiān)管中,畢竟第三方支付和它的用戶關(guān)系密切。其次,關(guān)于沉淀資金的監(jiān)管,借鑒歐美的經(jīng)驗(yàn)并結(jié)合我國(guó)國(guó)情,建立資金保險(xiǎn)制度,在規(guī)范第三方支付企業(yè)自身合理使用資金的同時(shí)維護(hù)消費(fèi)者的合法權(quán)益。然而,隨著第三方支付的膨脹,其涉及的業(yè)務(wù)也越來(lái)越多,一旦發(fā)生用戶相關(guān)權(quán)益受到侵害的糾紛時(shí),由于法律的滯后性,解決機(jī)制不健全,從而無(wú)法提供切實(shí)可行的、有效的解決辦法,因此要完善消費(fèi)者的救濟(jì)渠道,健全投訴制度。再次,通過(guò)立法來(lái)加強(qiáng)對(duì)不正當(dāng)競(jìng)爭(zhēng)和壟斷行為的監(jiān)管。通過(guò)設(shè)立防止第三方支付壟斷的法律,以及明確關(guān)于第三方支付機(jī)構(gòu)反壟斷的監(jiān)管主體,同時(shí)協(xié)調(diào)第三方支付企業(yè)和商業(yè)銀行的關(guān)系。最后,鼓勵(lì)技術(shù)創(chuàng)新,以科技進(jìn)步來(lái)完善監(jiān)管。第三方支付在短短的時(shí)間內(nèi)發(fā)展迅速,得益于科技的發(fā)展,同樣,技術(shù)的不斷完善也能保障第三方支付在安全的環(huán)境下成長(zhǎng)�？傊�,法律對(duì)于"支付寶"這類新興產(chǎn)業(yè)應(yīng)當(dāng)持一種保護(hù)的態(tài)度,法律是充當(dāng)"保鏢"的角色,監(jiān)管的目的不是為了抑制它,而是為了保障其更好地發(fā)展。
[Abstract]:Alipay, the application software is widely used in the intelligent mobile phone, has become an important tool in contemporary economic life of the people. With the rapid development of Alipay, WeChat and other payment platform, the third party payment to our lives has brought great convenience, become our life assistant. However, as the third party payments become more and more popular, the stickiness of the customers is increasing, and the problems are increasing. Especially in recent years, news reports about the infringement of consumers' rights and interests are endless, which makes our country pay more attention to the field of legal supervision of the third party payment. The people's Bank of China has issued a series of normative legal documents in 2010 to standardize the third party payment industry. For example, in 2010 the "non-financial payment service management approach" will be the third party payment institutions institutions into the central bank's regulatory scope; in 2015 the "non bank payment institutions online payment service management approach" and further to the third party payment supervision legal system is perfect, the third party payment account management, agency risk management of the further clear. However, compared with the other three countries, such as the US and the European Union, China's regulatory system still has some shortcomings, and the relevant laws and regulations still need to be improved. The current standard for the third party payment law, in the legislative level and system, precipitation funds regulation, consumer relief channels, unfair competition and monopoly regulations and technical specifications and other aspects of a series of problems, our country should be combined with the advanced experience of Europe and the United States on the third party payment regulation, to further improve the supervision of the status quo. In order to improve the legal supervision system of the third party payment, we should build an omni-directional supervision system with the center of the central action. China's legal supervision for the people's Bank of China (bank), the current single regulatory system to the vigorous development of the third party payment market cannot provide effective protection, so should encourage industry organizations and the public in order to participate in the third party payment regulation, after all, the third party payment and its user relationship close. Secondly, on the supervision of precipitation funds, we should learn from the experience of Europe and America and combine our national conditions to establish the insurance system of capital, in order to maintain the legitimate rights and interests of consumers while standardizing the third party payment enterprises' rational use of funds. However, with the expansion of the third party payment, the business is more and more, once the user has violated the relevant rights disputes, due to the lag of law, solving mechanism is not perfect, which can not provide a feasible and effective solution, thus to improve the consumer relief channels, improve the complaints system. Thirdly, we should strengthen the supervision of unfair competition and monopoly through legislation. By establishing the law to prevent the monopoly of the third party payment, and clarify the regulatory body of the third party payment agency's anti-monopoly, at the same time, coordinate the relationship between the third party payment enterprises and commercial banks. Finally, we should encourage technological innovation and improve the supervision with the progress of science and technology. The third party payment has developed rapidly in a short time. Thanks to the development of technology, the continuous improvement of technology can also ensure the growth of the third party payment in a safe environment. In a word, the law for "Alipay" this kind of emerging industries should hold a protective attitude, the law is to act as "bodyguard" role, the regulatory purpose is not to suppress it, but in order to ensure the better development.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.28

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本文編號(hào)：1338588