On The Improvement Of Third-party Payment Supervision Legislation

Internet plus has gradually become the main theme of this era of financial circles,gradually infiltrated into the social and financial aspects.The new payment mode of the third party payment seems to be a fresh element in the melody,which combines traditional finance and Internet Finance organically.Third party payments are cheaper,faster and more flexible than traditional ways of payment,bringing people a lot of convenience and almost subverting people’s payment habits.However,in the third party payment in the thunderbolt trend to break into the "financial building" which has been stable for many years,it also needs to identify some unharmonious sounds hidden under the wonderful melody.Due to the rapid development of the third party payment industry,the regulation of the legislation has been unable to meet the needs of supervision.The overall level of the third party payment regulation related laws is low,and it has not been able to adapt to the status of the third party in social life and the risk that it may bring to the society.The regulatory system is out of order,and not only do not have enough foresight and scientific.For example,the supervision subject and the supervision principle have not yet been clearly defined in the high order law with sufficient authority.For the main regulatory aspects,such as the access and exit mechanism of the third party payment institutions,the protection of the consumer rights and the use and management of the payment of the payment of payment,there are no systematic and unreasonable regulations.This is very bad for the healthy development of the industry and maintaining the stability of social finance.Based on the current situation of the development of the third party payment industry,this paper analyzes the existing problems in the third party payment of the existing regulatory legislation,trying to provide a powerful basis for supervision and scientific cooperation for the supervision of the existing regulatory legislation through the introduction of a comprehensive and targeted high order legal norm.Regulation of reason.The main contents of this paper are as follows:The first part introduces the necessity of improving the legislation of the third party payment supervision and the regulatory needs of the industry in the current development context.The second part introduces the current situation and main problems of the third party payment supervision legislation in China.The third part,according to the existing problems of our country,the United States,the EU third party payment in the related fields to analyze the situation,refining the model can be used for reference;The fourth part,aiming at the existing problems in the second part,puts forward solutions accordingly.