The Research On Legal System Of Third Party Payment Anti-money Laundering

The popularity of third-party payment has its advantages and disadvantages,and its rapid development requires the improvement of the supporting legal system.In 2015,the central bank and other ten ministries and commissions issued the “ Guiding Opinions on Promoting the Healthy Development of Internet Finance”,clarifying that Internet payment belongs to the category of Internet finance concepts.In other words,third-party payment not only has the hidden and sudden financial risks,but also has Internet risks.Contagious and extensive.However,due to the disorderly competition in the third-party payment industry and the lack of law,the lack of supervision,the third-party payment as a new payment tool,the risk of money laundering is worrying.At present,China’s regulatory documents for third-party payment of anti-money laundering mainly include "Administrative Measures for Payment Services of Non-financial Institutions","Administrative Measures for Anti-Money Laundering and Anti-Terrorism Financing of Payment Agencies" and "Administrative Measures for Network Payment Services of Non-Bank Payment Institutions".However,these documents The legal hierarchy is low,and there is a significant lag in legislation compared to the various money laundering methods and money laundering methods of lawless elements.Moreover,the central bank that is the main subject of third-party payment is the maker of the anti-money laundering rules of third-party payment institutions,or the executors of relevant rules,and the regulators of commercial banks that have commercial conflicts of interest with third-party payment institutions.How to ensure the central bank’s neutrality and independence at the level of lawmaking and implementation is subject to further clarification of legislation.The construction of third-party payment anti-money laundering laws and regulations is not overnight.From the perspective of domestic law,we should continue to exert efforts to improve the regulatory model,enhance the legislative hierarchy,and strengthen internal control.From the perspective of international law,we must combat third-party transnational Money laundering should explore the establishment of a system of universal jurisdiction and continuously strengthen cross-border cooperation between countries.In fact,Britain,the United States and Switzerland,as highly developed countries,have a large anti-money laundering system,especially for third-party payment of anti-money laundering system.Learn from the meaning.