本文選題：第三方支付 + 規(guī)制　； 參考：《遼寧大學》2017年博士論文

【摘要】：第三方支付是現(xiàn)代金融服務業(yè)的重要組成部分,其主要涉及金融領域的中間業(yè)務,是對金融服務業(yè)務的重要補充。第三方支付機構(gòu)極大地滿足了消費者對金融服務的細化差異化需求。故,其在完善金融體系功能上發(fā)揮著重要的作用。中國第三方支付機構(gòu)發(fā)展十分迅猛,交易規(guī)模不斷壯大。據(jù)艾瑞咨詢的數(shù)據(jù)顯示,2014年全年第三方支付互聯(lián)網(wǎng)交易規(guī)模為80803.9億元,2015年全年第三方支付互聯(lián)網(wǎng)交易規(guī)模為118674.5億元,比上一年增長了46.9%,2016年全年互聯(lián)網(wǎng)交易規(guī)模為15萬億元。而作為新興產(chǎn)業(yè),第三方支付行業(yè)具有網(wǎng)絡性、金融性、風險性等特點,其面臨的風險包括法律風險、信息安全風險、沉淀資金風險、信用風險等,亟須采取必要的監(jiān)管措施加以預防和糾正。目前,已經(jīng)頒布一些相關的法律規(guī)范條文,但是第三方支付規(guī)制的體系和體制并未真正地形成。目前,國內(nèi)對第三方支付規(guī)制的研究很少,最新的研究成果或者從法律規(guī)制角度或者從規(guī)制制度角度進行研究。故本文首先通過對第三方支付機構(gòu)的相關研究成果的梳理,得出國內(nèi)外第三方支付研究的現(xiàn)狀。其次分析第三方支付規(guī)制過程的現(xiàn)狀、問題及原因分析,最后結(jié)合歐美等發(fā)達國家對第三方支付規(guī)制改革提出新的政策建議。本文用規(guī)制經(jīng)濟學的方法著眼于第三方支付規(guī)制的現(xiàn)狀、存在的問題及問題產(chǎn)生的原因,并在借鑒發(fā)達國家第三方支付規(guī)制經(jīng)驗的基礎上,提出中國第三方支付規(guī)制改革的對策。本文共分七章:第一章第一部分首先分析了第三方支付機構(gòu)運行的狀況,闡述了需要對第三方支付行業(yè)進行規(guī)制的背景,其次分析了第三方支付行業(yè)規(guī)制的意義等。第二部分對國內(nèi)外的文獻作總結(jié)綜述,得出目前國內(nèi)外研究的現(xiàn)狀等。第二章分析了第三方支付機構(gòu)的相關的理論基礎。包括基礎性理論、政府規(guī)制的內(nèi)容、政府規(guī)制改革的內(nèi)容、政府規(guī)制的必要性等。第三章分析了第三方支付機構(gòu)各行為主體及其相互關系。第四章首先闡述了第三方支付機構(gòu)規(guī)制的現(xiàn)狀,如第三方支付規(guī)制的機構(gòu)設置、規(guī)制的相關法律法規(guī)、第三方支付的市場準入制度、第三方支付的價格規(guī)制等,其次分析了,目前第三方支付機構(gòu)規(guī)制的問題,如規(guī)制機構(gòu)設置問題、規(guī)制法律法規(guī)體系不健全、市場準入制度實施不嚴格、價格規(guī)制不完善、網(wǎng)絡等技術(shù)監(jiān)督不足等。第五章首先分析了第三方支付機構(gòu)規(guī)制存在問題的原因。分別從三個角度來考察,第一,從規(guī)制主體角度,分析了對第三方支付規(guī)制主體存在規(guī)制不足的問題;第二,從規(guī)制客體角度,分析了第三方支付機構(gòu)自身自律性較差的問題;第三,從規(guī)制體系角度,分析了第三方支付規(guī)制存在問題的原因。其次,運用博弈論的分析工具,進一步分析了第三方支付規(guī)制存在問題的原因。第六章闡述了歐美發(fā)達國家,如美國、歐盟等第三方支付的規(guī)制機構(gòu)設置,規(guī)制法律法規(guī)的制定、第三方支付市場準入制度、退出機制及第三方支付價格規(guī)制等。第七章闡述了中國第三方支付政府規(guī)制改革的相關舉措。
[Abstract]:The third party payment is an important part of the modern financial service industry, which mainly involves the intermediary business in the financial field. It is an important supplement to the financial service business. The third party payment institutions have greatly met the consumer's detailed and differential demand for financial services. Therefore, it plays an important role in improving the function of the financial system. The third party payment institutions have developed rapidly and the size of the transaction is growing. According to ARI's data, the third party paid the Internet transaction in 2014 for 8 trillion and 80 billion 390 million yuan. In 2015, the third party paid the Internet transaction of 11 trillion and 867 billion 450 million yuan, an increase of 46.9% compared to the previous year, and 15 Internet transactions in 2016. As a new industry, the third party payment industry has the characteristics of network, finance, risk and so on. Its risks include legal risk, information security risk, deposit risk, credit risk and so on. It is urgent to take necessary supervision measures to prevent and correct. However, the system and system of the third party payment regulation did not really form. At present, the domestic research on the third party payment regulation is very few, the latest research results or the research from the angle of legal regulation or from the angle of regulation system. This paper first through the combing of the related research results of the third party payment machine, we have to go abroad and out of the country. The present situation of the research on the third party payment is made. Secondly, the status of the third party payment regulation process, the problems and the reasons are analyzed. Finally, a new policy proposal is put forward with the developed countries of Europe and America on the reform of the third party payment regulation. This article uses the method of regulation economics to focus on the status of the third party payment rules, the existing problems and the original problems. On the basis of the experience of the third party payment regulation in developed countries, this paper puts forward the Countermeasures for the reform of China's third party payment regulation. This article is divided into seven chapters. The first chapter first analyzes the operation situation of the third party payment institutions, and expounds the background of the regulation of the third party payment industry, followed by the analysis of the third party branches. The second part summarizes the literature at home and abroad, summarizes the current status of the domestic and foreign research. The second chapter analyzes the theoretical basis of the third party payment institutions, including the basic theory, the content of government regulation, the internal capacity of the government regulation reform, the necessity of the government regulation, and so on. The third chapter analyses the theory. The third party payment institutions and their mutual relations. The fourth chapter first expounds the status of the regulation of the third party payment institutions, such as the institutional setting of the third party payment regulation, the relevant laws and regulations of the regulation, the market access system of the third party payment, the price regulation of the third parties, and so on. Secondly, the present third party payment institutions are analyzed. The problems of regulation, such as the setting of regulatory institutions, the unsound regulation of laws and regulations, the imperfection of the market access system, the imperfect price regulation and the lack of technical supervision of the network. The fifth chapter first analyzes the reasons for the problems in the regulation of the third party payment institutions. The first, from the angle of the subject of regulation, The problem of the lack of regulation in the third party payment regulation body is analyzed. Second, from the angle of regulation object, the problem of poor self-discipline of the third party payment institutions is analyzed. Third, from the angle of regulation system, the reasons for the problems of the third party payment regulations are analyzed. The three party payment regulation is the cause of the problem. The sixth chapter expounds the regulation institution setting of the three party payment in the developed countries of Europe and America, such as the United States and the European Union, the formulation of regulation laws and regulations, the third party payment market access system, the exit mechanism and the price regulation of the three party payment. The seventh chapter expounds the government regulation reform of the third party payment in China. Related measures.

【學位授予單位】：遼寧大學
【學位級別】：博士
【學位授予年份】：2017
【分類號】：F724.6;F832.2

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本文編號：1776196