我国第三方电子支付法律风险探析论文.doc

本科毕业论文（设计） 论文(设计)题目： 我国第三方电子支付 法律风险探析 系 别： 法学系 我国第三方电子支付法律风险探析 摘要 随着网络的普及和电子商务的发展，第三方支付应运而生。第三方支付的出现在一定程度上解决了电子商务发展过程中的两大瓶颈：安全与信用。它为电子商务的发展提供了可靠的保证，随着电子支付体系逐渐完善，网络金融快速发展，第三方支付作为一种独立的非金融支付机构，己逐渐在金融系统中成为越来越重要的一环。但是由于法律、政策、市场等多种不完善因素，第三方支付行业存在巨大的法律风险隐患，如金融安全风险、沉淀资金安全风险、流动性风险等。 2010年6月21日，中国人民银行正式公布了《非金融机构支付服务管理办法》，开始对第三方支付机构实行正式的监管。《办法》公布后，为配合其开展工作，同年12月出台了《非金融机构支付服务管理办法实施细则》。《办法》及其《实施细则》的出台，为完善第三方支付法律风险监管制度的施行起到了推动作用。 本篇论文以第三方支付的法律风险为视角，对我国第三方支付法律风险监管制度中的问题进行分析，在借鉴国外立法和监管经验的基础上，结合国情提出完善第三方电子支付法律风险监管制度的建议。 [关键词]第三方支付；法律风险；法律监管 AN ANALYSIS OF THE LEGAL RISK OF THE THIRD PARTY ELECTRONIC PAYMENT IN CHINA ABSTRACT With the popularity of the network and E-commerce development, the third-party payment has emerged because of the opportunity. The third-party payment provides the resolution of trust and security in E-commerce. In recent years, the third-party payment has been gradually becoming important in the financial system. However, the third-party payment industry has many risks, such as Financial security risk, Precipitation funds security risks, liquidity risk, etc. June21, 2010, the Peoples Bank of China has promulgated “Measures for Administration of Payment Service the Non-Financial Institutions”. December 2010, “the Implementing Regulations” has published. The introduction of “Measures” and its “Implementing Regulations” have paving the way to improve the legal system of the third-party payment risk supervision. This paper takes risk supervision of the third-party payment as an angle of view, and discusses legal system of the third-party payment risk supervision in China. The suggestions will be given to improve by foreign experience and Chinas condition． [Key Words]The third-party payment; Legal risk; Legal supervision 目录 TOC \o 1-3 \h \u HYPERLINK \l _Toc27953 前言 PAGEREF _Toc27953 1 HYPERLINK \l _Toc22947 一、第三方电子支付概述 PAGEREF _Toc22947 2 HYPERLINK \l _Toc