Research On The Legal Issues Of Customer Reserve In Non-bank Payment Institutions In China

Our country’s non-bank payment came into being in the e-commerce process.As a key link of e-commerce capital flow,non-bank payment has continuously developed,breaking through the institutions payment mode with the number and scale,and non-bank payment arises at the historic moment.Non-bank payment is a payment transactions that provides fund management business on an legislation independent third-party platform.Customer reserve funds are born on the basis of non-bank payments.According to general understanding,the essence of customer reserve funds is actually the price for customers to purchase goods.As the carrier of non-bank payment institutions are increasing rapidly,and the scale of capital transactions is huge,which also aggravates the risk of customer fund settlement undertaken by non-bank payment institutions.As the scale of customer fund transactions expands,the risk of customer reserve funds continues to increase.However,my country’s current legislation and supervision of customer reserve funds are relatively lagging.It mainly focuses on relatively simple provisions such as deposits by non-bank payment institutions.The development of reserve funds faces huge legal risks.Based on the basic theoretical research on customer reserve funds,this article analyzes the provisions of my country’s current laws and regulations on customer reserve funds,points out the problems in the customer reserve funds system,and combines the legislation on customer reserve funds.And supervision experience and enlightenment,from improving the legislative system of customer reserve funds,perfecting the customer reserve fund supervision system and the customer reserve forward some speed up the financial ecological construction in the information age the legislative system of customer reserve,constructing,standardize the development of customer reserve,and perfecting the system after the risk of customer provision.In order to optimize the legal environment of customer reserve payment in our country,guide and perfecting the supervision system of non-bank,so as to enable customers to obtain more complete legal protection of the reserve funds.