發(fā)布時(shí)間：2018-05-30 09:02

  本文選題：第三方支付 + 第三方支付平臺(tái)　； 參考：《山西財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：互聯(lián)網(wǎng)技術(shù)的不斷更新和電子商務(wù)的快速成長(zhǎng)，極大的沖擊了實(shí)體購(gòu)物的傳統(tǒng)消費(fèi)模式，電子商務(wù)買(mǎi)賣(mài)模式以其方便性、快捷性等優(yōu)勢(shì)進(jìn)入人們的視野。與此同時(shí)，一種全新的交易經(jīng)營(yíng)模式——第三方支付也應(yīng)運(yùn)而生，順勢(shì)涌現(xiàn)出了一大批第三方支付平臺(tái)。 網(wǎng)絡(luò)第三方支付的誕生解決了交易雙方的信任和效率問(wèn)題，緩解了傳統(tǒng)交易方式支付過(guò)程中交易各方的緊張關(guān)系，是一種新型的貨幣支付模式，讓用戶(hù)體驗(yàn)了新支付方式帶來(lái)的便捷感受。作為獨(dú)立于買(mǎi)賣(mài)雙方的獨(dú)立第三方，第三方支付平臺(tái)為互聯(lián)網(wǎng)交易中的商家和消費(fèi)者提供了一個(gè)交換貨幣的中轉(zhuǎn)站，特別大的便利了商事領(lǐng)域的買(mǎi)賣(mài)雙方的交易活動(dòng)。因而，近年來(lái)，第三方支付平臺(tái)的數(shù)目和平臺(tái)成交額都在顯著增長(zhǎng)，支付的范圍也呈現(xiàn)不斷擴(kuò)大的趨勢(shì)。由于我國(guó)第三方支付相關(guān)法律、法規(guī)監(jiān)管的缺失，在第三方支付平臺(tái)迅猛發(fā)展的同時(shí)也引發(fā)出許多法律問(wèn)題。 從2010年開(kāi)始，我國(guó)結(jié)束了對(duì)第三方支付領(lǐng)域無(wú)監(jiān)管的真空狀態(tài)，中國(guó)人民銀行陸續(xù)頒布了《非金融機(jī)構(gòu)支付服務(wù)管理辦法》及其《實(shí)施細(xì)則》、《支付機(jī)構(gòu)客戶(hù)備付金存管辦法》等一系列規(guī)范性法律文來(lái)規(guī)制第三方支付業(yè)務(wù)中遇到的困難。盡管如此，由于這些規(guī)范性法律文件普遍存在法律位階較低的問(wèn)題，因此只能在部分程度上解決第三方支付平臺(tái)遇到的某些法律問(wèn)題。第三方支付領(lǐng)域出現(xiàn)的沉淀資金及孳息歸屬、信用卡套現(xiàn)、洗錢(qián)、網(wǎng)絡(luò)詐騙、監(jiān)管缺乏體系性等一系列法律問(wèn)題仍亟待解決。鑒于此，，本文希望通過(guò)辨析第三方支付及第三方支付平臺(tái)概念的不同，界定出第三方支付平臺(tái)的法律性質(zhì)，分析我國(guó)第三方支付平臺(tái)監(jiān)管存在的法律問(wèn)題。在順應(yīng)我國(guó)法治建設(shè)理念的基礎(chǔ)上，借鑒境外先進(jìn)經(jīng)驗(yàn)，完善第三方支付平臺(tái)監(jiān)管法律體系，構(gòu)建一套行之有效的法律制度解決第三方支付法律規(guī)制不足的問(wèn)題，為現(xiàn)行法律、法規(guī)的完善盡一份綿薄之力，促進(jìn)第三方支付平臺(tái)在有法可依的法制環(huán)境下不斷自我完善。
[Abstract]:With the continuous updating of Internet technology and the rapid growth of e-commerce, the traditional consumption mode of physical shopping has been greatly impacted. The e-commerce trading model has entered people's field of vision with its advantages of convenience and rapidity. At the same time, a new transaction mode-third-party payment came into being, and a large number of third-party payment platforms emerged. The birth of the network third-party payment has solved the trust and efficiency problems of both sides of the transaction, alleviated the tension between the parties in the traditional transaction payment process, and is a new kind of currency payment mode. Let the user experience the convenience of the new payment mode. As an independent third party independent of the buyer and seller, the third-party payment platform provides a transit station for merchants and consumers to exchange currency in Internet transactions, which greatly facilitates the transaction activities of both parties in the commercial field. Therefore, in recent years, the number and turnover of third-party payment platforms have increased significantly, and the range of payment has been expanding. Due to the lack of laws and regulations related to third-party payment in China, the third-party payment platform has developed rapidly and caused a lot of legal problems at the same time. Since 2010, China has put an end to the unregulated vacuum in the field of third-party payments. The people's Bank of China has promulgated a series of normative and legal texts to regulate the difficulties encountered in the third party payment business, such as the measures for the Administration of payment Services of Non-Financial institutions and its implementing rules, and the measures for the Management of customer Reserve funds of payment institutions. However, due to the problem of low legal rank in these normative legal documents, some legal problems encountered by third-party payment platforms can only be partially solved. A series of legal problems, such as the ownership of precipitation funds and fruits in the field of third party payment, credit card cash, money laundering, network fraud, lack of systematic supervision and so on, still need to be solved. In view of this, this paper hopes to define the legal nature of third-party payment platform and analyze the legal problems existing in the supervision of third-party payment platform by analyzing the different concepts of third-party payment and third-party payment platform. On the basis of conforming to the construction idea of our country's rule of law, drawing lessons from overseas advanced experience, perfecting the supervision legal system of third-party payment platform, constructing a set of effective legal system to solve the problem of insufficient legal regulation of third-party payment, which is the current law. The improvement of laws and regulations promotes the third-party payment platform to improve itself under the legal environment.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.29;D922.28

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