浅谈杭州中小企业核心人员流失问题研究.docVIP

第三方支付沉淀资金的风险及监管 摘要 随着社会的不断飞速发展，人们的商业行为以及购物方式都产生了与以往极大的不同。在这之中，为了追求高效率和快捷安全，人们希望一种新的支付平台方式，故而，第三方支付平台应运而生。 这种新型的交易方式看来简单快捷安全，可是也有着未臻完美的方面。其中日益严峻的一个问题就是沉淀资金。那么何谓沉淀资金？即在交易之中，付款和收到货物间存在着不短的时间差在这段时间差内，会产生一部分滞留在平台上的煤油流入市场经济的资金，这部分没有在市场经济中流通起来的资金便是沉淀资金。这一部分资金并没有在市场经济之中流通，所以势必会引起相关利息、交易费用和稳定性等不容忽视的问题，如果处理不当，必将成为阻碍第三方支付行业健康有序发展的障碍。 而我国第三方支付行业虽然起步较晚，但是公众对于依托第三方支付完成的交易需求与日俱增，因此产生了更多的沉淀资金问题。但由于我国现行的立法体系下监管缺失，可适用范围有限，导致客户和商家的合法权益难以实现。因此，学习国外成功和先进的相关经验，完善我国的第三方支付法律制度尤其是对于沉淀资金的监管俨然成为一个急需解决的问题。 综上所述，分析第三方支付的利弊，追溯第三方沉淀资金的产生，且对第三方沉淀资金的存在进行风险分析，研究和提出相应的监管策略和机制。对进一步实现第三方支付管理的科学化、规范化具有一定的指导意义。待解决的问题主要便是正确面对沉淀资金所蕴含的风险。以及如何从监管政策上出台措施，从而解决沉淀资金带来的种种问题。 关键词：第三方支付；沉淀资金；风险分析；监管策略 Abstract-The meaning and the research funds sedimentation significance and main research contents. With the continuous development of society, peoples business and shopping are greatly different from the past. In this way, in order to pursue the high efficiency and safe and fast, people hope and a new payment platform, emerge as the times require, the third party payment platform. This new type of transaction security seems simple and quick, but also have immature aspects. One serious problem is money. In the transaction, payment and receipt of goods in short time difference, will frequent delay in delivery time, leading to the occurrence of delayed, final settlement activities. This part does not circulate in the market economy, money is money. Such a large number of funds, the existence of the related interest, the transaction cost and stability are problems that can not be ignored, if not handled properly, will become an obstacle to the third party payment industry healthy and orderly development of the disorder. While the third party payment in our country industry despite a late start, but the public to rely on third party payment to complete the transaction demand grow with each passing day, resulting in the precipitation funds more. But because of the legislative system of our country under