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

  更多相關文章： 支付寶 第三方支付 法律監(jiān)管

【摘要】：支付寶,這個廣泛出現在智能手機中的應用軟件,已經成為當代人們經濟生活中的重要工具。隨著支付寶、微信支付等平臺的快速發(fā)展,第三方支付給我們的生活帶來了極大的方便,成為我們生活中的得力助手。然而隨著第三方支付越來越普及,與客戶的粘性越來越大,出現的問題也隨即增多。尤其近年來,關于消費者權益受到侵害的新聞報道層出不窮,使得我國對于第三方支付法律監(jiān)管這一領域逐漸重視起來。中國人民銀行自2010年就先后頒布了一系列規(guī)范性法律文件來規(guī)范第三方支付行業(yè)。比如2010年的《非金融支付機構服務管理辦法辦法》將第三方支付機構納入了央行的監(jiān)管范圍;2015年的《非銀行支付機構網絡支付業(yè)務管理辦法》更進一步地對第三方支付監(jiān)管的法律體系進行了完善,對第三方支付機構的賬戶管理、風險管理等方面進行了進一步的明確。但是與美國歐盟等第三方支付發(fā)展較早的國家地區(qū)相比,我國的監(jiān)管制度還有一定的缺陷,相關的法律法規(guī)仍有待完善。當前對于規(guī)范第三方支付的法律,在立法層級和體系、沉淀資金的監(jiān)管、消費者救濟渠道、不正當競爭和壟斷行為規(guī)定以及技術規(guī)范等方面存在一系列問題,我國應當結合歐美對第三方支付監(jiān)管的先進經驗,進一步改善監(jiān)管現狀。要完善第三方支付的法律監(jiān)管體系,就要構建以央行為中心的全方位監(jiān)管體制。我國目前監(jiān)管的法律主體為中國人民銀行(即央行),這種單一的監(jiān)管體制對當前正在蓬勃發(fā)展的第三方支付市場無法提供有效的保障,所以應當鼓勵行業(yè)組織和社會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系密切。其次,關于沉淀資金的監(jiān)管,借鑒歐美的經驗并結合我國國情,建立資金保險制度,在規(guī)范第三方支付企業(yè)自身合理使用資金的同時維護消費者的合法權益。然而,隨著第三方支付的膨脹,其涉及的業(yè)務也越來越多,一旦發(fā)生用戶相關權益受到侵害的糾紛時,由于法律的滯后性,解決機制不健全,從而無法提供切實可行的、有效的解決辦法,因此要完善消費者的救濟渠道,健全投訴制度。再次,通過立法來加強對不正當競爭和壟斷行為的監(jiān)管。通過設立防止第三方支付壟斷的法律,以及明確關于第三方支付機構反壟斷的監(jiān)管主體,同時協調第三方支付企業(yè)和商業(yè)銀行的關系。最后,鼓勵技術創(chuàng)新,以科技進步來完善監(jiān)管。第三方支付在短短的時間內發(fā)展迅速,得益于科技的發(fā)展,同樣,技術的不斷完善也能保障第三方支付在安全的環(huán)境下成長�？傊�,法律對于"支付寶"這類新興產業(yè)應當持一種保護的態(tài)度,法律是充當"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.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.28

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