Research On The Criminal Regulation Of Money Laundering Under The Environment Of Internet Third-party Payment

The new business form of Internet financial payment represented by Internet third-party payment broadens the basic mode of economic transaction,promotes the in-depth development of Inclusive Finance and the further transformation and upgrading of economic society.At the same time,the advantages of Internet third-party payment are convenient and fast,which fully meet the daily needs of consumer groups and add a little color to happy life.We should also see that everything has its two sides.On the one hand,the Internet third-party payment reduces the cost of transaction and improves the speed of transaction.On the other hand,due to the wide application of Internet third-party payment,the crime of money laundering reduces the threshold of participation in criminal acts,the criminal patterns and means are constantly renovated,and the crime is more difficult to crack down on.Since the advent of the third-party payment on the Internet,the illegal and criminal behavior of criminals using it to launder money often occurs,which seriously threatens the security and stability of China’s financial system.In the new era,China’s macroeconomic environment has changed significantly.In the field of financial activity governance,the idea of criminalization and severe punishment of criminal law has been widely recognized.If we can’t effectively prevent and control the money laundering under the third-party payment of the Internet,the participants involved in the money laundering will easily lead to the emergence of criminal responsibility.As we all know,in order to achieve the best effect,criminal law should play its preventive role when the crime has not occurred.Focusing on the field of financial crimes,the introduction of the concept of criminal compliance can better reflect the concept of positive general prevention through punishment.In order to do a good job in criminal compliance of anti money laundering,Internet third-party payment institutions must establish guidelines for compliance management,enhance their awareness of norms,strictly abide by various regulatory policies and regulations,and actively integrate external regulatory requirements into internal risk management of institutions.At the same time,we should not only establish and improve the "strict but not strict" criminal system,but also realize the coordination and connection between criminal law regulation and financial supervision.This paper includes the introduction,the main body and the conclusion,which aredivided into five parts.The foreword describes the background and research significance of the topic,and points out the judicial status and difficulties of the criminal regulation of money laundering under the current Internet third-party payment environment through relevant cases.The first chapter describes the dissimilation development of money laundering in the third-party payment environment and the trigger of related criminal responsibility.The second chapter compares the domestic and foreign supervision modes of money laundering under the Internet third-party payment environment.The third chapter puts forward the criminal regulation path of money laundering under the Internet third-party payment environment and the connection between administrative regulation and criminal regulation.The conclusion part puts forward the future development path of regulating money laundering through criminal law under the environment of Internet third-party payment.