第三方支付发展与监管问题研究.docVIP

摘 要 随着网络应用的普及和信息技术的飞速发展，电子商务已经成为这个时代的主流标志。第三方支付为参与交易的双方提供了支付中介平台，维护了交易的公正性，减少了交易成本，促进了我国经济的快速发展。第三方支付发展之快显而易见，然而在第三方支付发展势头如此强劲的情况下，我国并没有一个专门的法律法规对其约束，也没有明确的监管机构对其实施监管。从而引发了一些洗钱，信用卡套现等违法行为。所以要保证我国第三方支付行业健康有序的发展，就必须要对第三方支付进行法律监管。 本文从第三方支付的发展与监管方面做以研究，期间收集了大量的资料。文章首先介绍了论文研究的意义和第三方支付的相关理论。然后分析了国内外第三方支付的发展，并对我国典型的第三方支付企业做以简单论述。再针对当前第三方支付的监管，信用等问题进行分析，并提出自己的解决对策。 关键词：第三方支付；第三方平台；支付监管；电子商务 Abstract With the rapid development of network applications and information technology popularization.E-commerce has become a major sign of the times. Third-party payment for the parties involved in the transaction provides a payment intermediary platform, and Maintain the fairness of the transaction. Reduce transaction costs,Promote the rapid development of Chinas economy.Obviously the fast development of the third-party payment.However, the situation is so strong development momentum to pay a third party under, This does not have a dedicated its restraint laws in china. There is no clear regulatory supervision of its implementation. Giving rise to a number of money laundering, Credit card cash and other illegal activities. So in order to ensure the healthy and orderly development of the third party payment industry, It is necessary to carry out legal supervision of third-party payment. In this paper, do research from the development and regulation of third-party payment. The article first introduces the theory significance and third-party payment. Then it analyzes the development of domestic third-party payment. And our third-party payment companies typically do a simple discussion. For the current re-regulation of third-party payment, Credit and other issues are analyzed, And put forward my countermeasures. Keywords: ThirdPartyPayment; Third-partyPaymentPlatform; Pay supervision; E-commerce 目 录 1 绪 论 1 1.1 论文研究背景及意义 1 1.1.1 课题研究的背景 1 1.1.2 课题研究的意义 1 2.1 论文结构及内容 2 2 第三方支付相关理论概述 3 2.1 第三方支付概念及特点 3 2.1.1 第三方支付概念 3 2.1.2 第三方支付特点 3 2.2 第三方支付的分类 4 2.3 第三方支付平台的含义 5 3 国内外第三方支付平台现状