本文選題：第三方線上支付 + 金融監(jiān)管��； 參考：《天津財經大學》2015年碩士論文

【摘要】：第三方線上支付誕生在互聯網發(fā)展的黃金十年,它有效解決了網絡消費中異地交換信用缺乏的問題,消除了買賣雙方在時間和空間上的不同步性,為網絡購物提供信用擔保的功能,促進了互聯網電商行業(yè)的發(fā)展。隨著第三方支付機構經營模式的不斷優(yōu)化和支付技術的不斷提高,支付機構不僅僅止步于專注支付功能的升級,更多的是拓寬支付場景,改變消費者的支付觀念,在原始的購物支付場景下不斷延伸,廣泛地與互聯網商務的各個領域以及社會公共服務行業(yè)開展支付合作,極大地豐富了支付機構的綜合服務內容,成為替代銀行卡和錢包的支付新選擇。然而,由于市場的盲目性和自發(fā)性,第三方支付行業(yè)的發(fā)展并不是毫無瑕疵的,其中也存在制約其行業(yè)發(fā)展和損害主體利益的多種問題,這就需要從體制機制層面加強金融監(jiān)管,明確監(jiān)管主體、監(jiān)管范圍和監(jiān)管職責,針對第三方線上支付存在的違規(guī)問題要給出法律定性,特別是當前問題較為凸出的三個領域,第三方線上支付的市場準入制度、備付金管理制度、信用卡套現監(jiān)管應該成為完善線上支付行業(yè)金融監(jiān)管的重點內容。目前我國第三方線上支付金融監(jiān)管的法律依據主要包括起綜合監(jiān)管作用的《非金融機構支付服務管理辦法》及其實施細則,針對備付金監(jiān)管出臺的《支付機構客戶備付金存管辦法》,前述法律法規(guī)皆存在法律位階不高,立法內容滯后,監(jiān)管主體權責不清等問題。因此,從我國線上支付監(jiān)管的實際出發(fā),結合外國的立法經驗,完善我國金融監(jiān)管體制的具體路徑主要包括以下三個方面。首先是第三方線上支付市場準入的金融監(jiān)管問題,目前我國實行的是審批制,在注冊資本和資本充足率方面要求較高,且程序機制不足,應當在這兩個方面采取一定的完善措施；其次是第三方線上支付客戶備付金的金融監(jiān)管,通過分析當前備付金管理制度存在權屬不清、增值利用途徑單一等問題,提出細化監(jiān)管責任,明確備付金利息權屬和解決增值利用等核心問題；最后是第三方線上支付信用卡套現的金融監(jiān)管,通過分析新型信用卡套現的特點和成因,建議從加強立法,建立社會征信機制以及提高監(jiān)管協同性方面完善。
[Abstract]:Third-party online payment was born in the golden decade of Internet development. It has effectively solved the problem of lack of credit exchange between different places in network consumption, and eliminated the difference in time and space between buyers and sellers. The function of providing credit guarantee for online shopping has promoted the development of internet ecommerce industry. With the continuous optimization of third-party payment organizations' business model and the continuous improvement of payment technology, payment organizations not only focus on the upgrading of payment functions, but also broaden payment scenarios and change consumers' concept of payment. Under the original shopping payment scene, the payment cooperation with various fields of Internet commerce and social public service industry has greatly enriched the comprehensive service content of payment institutions. Become an alternative to bank cards and wallets for new payment options. However, due to the blindness and spontaneity of the market, the development of the third-party payment industry is not flawless. The third party online payment market access system, reserve fund management system, credit card cash regulation should become the focus of the online payment industry financial supervision. At present, the legal basis of third-party online payment financial supervision in China mainly includes the "measures for the Administration of payment Services of Non-Financial institutions" and its implementing rules, which play a comprehensive role in supervision. In view of the payment organization customer reserve management measures issued by the regulation of reserve fund, the aforementioned laws and regulations all have some problems, such as low legal rank, lagging legislation content, unclear powers and responsibilities of the supervisory body, and so on. Therefore, starting from the reality of China's online payment supervision and combining with foreign legislative experience, the specific ways to perfect our financial supervision system mainly include the following three aspects. First of all, the financial supervision of third-party online payment market access. At present, our country is implementing an examination and approval system, which requires a high level of registered capital and capital adequacy, and has insufficient procedural mechanisms. We should take some measures to perfect these two aspects; secondly, the financial supervision of the third party's online payment of customer reserve, through the analysis of the current reserve management system, there are some problems such as unclear ownership, single way of value-added utilization, and so on. The paper puts forward some key problems, such as the refinement of supervision responsibility, the definition of the ownership of interest on reserve fund and the solution of value-added utilization. Finally, the financial supervision of third-party online payment of credit card cash is put forward. By analyzing the characteristics and causes of the new type of credit card cash, It is suggested that legislation should be strengthened, social credit mechanism should be set up and supervision synergy should be improved.
【學位授予單位】：天津財經大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.28

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本文編號：2013729