Research On Legal Supervision Of Internet Third Party Payment Platform

The rapid development of third-party payment industry and the initial beginning of regulatory practice provide broad space and strong demand for the exploratory research in the field of third-party payment in China.In recent years,the State Council,the people’s Bank of China and other regulatory bodies have formulated several supervision measures,implementation rules and opinions,and gradually strengthened the regulation of third-party payment agencies.But,the current regulatory laws lag behind the needs of practice,difficult to cope with emerging regulatory challenges.In view of this,this article first introduces the third party payment basic principle,the characteristic,elaborates the necessity for the third party payment platform to carry out the supervision.Then,based on the reality of China’s supervision,this paper analyzes the deficiencies of our country’s regulatory law.Next,analyzes in detail the development and regulatory status of third-party payment in the United States,from the basic principles of effective regulation,regulatory indicators,framework and other aspects,points out the valuable experience we can learn from.Finally,solves the problems in the third-party payment regulation one by one,which provides an important reference for the design of regulatory policy and regulatory mechanism.For example,the National people’s Congress and other legislative bodies with a higher status in the legislative activities formulate regulatory laws,and further enrich the supervision of the subject and the way of supervision,in the real name certification to adopt a flexible and scientific real name certification,Innovation and development of precipitation fund management means to clear the main body of money laundering,improve the legal effectiveness of supervision,refine the regulatory measures,strengthen the responsibility of payment agencies to protect users,and so on.