Research On The Third Party Payment Supervision

In recent years, the rapid change of information technology directly promoted the payment services market-oriented, diversified development in our country. A growing number of third-party payment institutions into the payment service market, using the Internet technology and all kinds of mobile terminal products are widely involved in providing payment services. With Banks to offer cash, bills, exchange, such as traditional payment services, third-party payment institutions mainly use electronic means to market traders and banking institutions provide front payment or background processing services, as a "third party" in payment service system, and Banks both cooperation and competition.Payment services, become the emerging power. Since the third-party payment institutions to provide e-commerce payment services, the government has been adhere to the concept of open, inclusive, both third-party payment institutions pay close attention to and research development, at the same time give enough development space of payment service innovation. But in recent years, our country third party payment business in rapid development at the same time also produced a lot of problems, the government regulatory supervision work is becoming more and more attention in third-party payment business, and regulatory practice and research on the third-party payment business also will increase. Article from the perspective of government regulation to study the development of the third party payment business, through summarizing the development course and status quo of third-party payment services, this paper analyzes the reasons of the problems existing in the regulation of third-party payment and, on the basis of draw lessons from foreign advanced experience, combining the actual situation of government regulation is currently faced with, put forward the countermeasures to solve the problem.The first part of the article, introduces the research background and significance, explain the third-party payment mechanism and financial regulation and other related concepts, with the government’s public management and financial regulation theory demonstrates the theoretical basis of the third party payment regulation. The second part of salt in our country third party payment history development in the future and typical cases to analyze some existing in current our country third party payment risk, then this paper expounds the current payment to a third party, regulatory measures, in the final analysis the problems existing in the supervision. The third part of the article introduces the countries in Europe and the United States for the third party payment regulation of specific methods to obtain some regulatory experience for reference to our country. Last part from regulatory laws, regulations, supervision subject and object, and the construction of credit system from four aspects to perfect strengthen the regulation of our country government payment to a third party gives some Suggestions, to promote healthy development of the three parties I pay business in our country.