Research On The Supervision Of Precipitation Funds On Third-party Electronic Payment Platforms

With the popularity of mobile payment,the third-party payment industry is rapidly expanding and developing.The newly implemented< e-commerce law >in 2019 further standardizes the third-party payment industry,and the supervision of precipitation funds is becoming increasingly prominent.The promulgation of the central bank's <measures for the administration of non-financial institutions' payment services> and the relevant < Detailed rules> and measures for the deposit and management of provisions of payment institutions clients has fundamentally changed the supervision of third-party payment precipitation funds.Third-party payment has solved the problem of capital flow in the development of e-commerce,and has become the mainstream payment mode of B2 C and C2 C.Therefore,based on the precipitation funds supervision practice of third party electronic payment platform,the precipitation capital concept,clarify the nature and causes on the basis of relying on settling the public interest theory,which is the basis of the regulatory capital and financial Creative theory,special interests theory,combining the status quo and existing problems of sedimentation regulation with the characteristics of electronic commerce,put forward the third party electronic payment platform Sediment funds concept and precipitation funds "electronic currency".Precipitation funds in specific countries legislation and judicial practice in the essence of the regulation,under the condition of our country's existing about the supervision model of precipitation funds centralized depository characteristic,proposed should push the third party electronic payment platform,like online retail banking direction transformation,at the same time will precipitate funds as electronic money into the monetary regulatory policy,funding of precipitation fruits to carry on the reasonable use and provide the corresponding security,will produce to the use of precipitation funds into an regulatory measures,such as precipitation to the standardization of the fund regulation,to better safeguard the rights and interests of consumers,promote the healthy development of electronic commerce.