互联网第三方支付机构监管立法问题分析-高级工商管理专业论文.docxVIP

安徽财 安徽财经大学硕士学位论文 1 1 2 2 THE STUDY ON REGULATORY LEGISLATION OF INTERNET THIRD-PARTY PAYMENT AGENCIES ABSTRACT Internet third-party payment services provide great convenience to the user in the network of electronic payment process and subject to a wide range of pro-gaze, this result makes mixed Internet third-party payment agencies have access to the market to scramble for profits,with the continuous expansion of business scale, however, the risk also increases. These risks include: First, due to the lack of a reasonable network technology safety standards and result in a lot of Internet third-party payment agencies at the beginning of the establishment of its own great internal network technology security risk;second Internet third-party payment business carry addition to greatly dependent on the Internet, at the same time the banks are closely linked, which often make some financial criminal activities, the use of tools due to the negligence of the management of the banking system greatly external financial risks;third Internet third-party payment agencies require network technology to conduct business and the banking system, but the starting and ending points of its business to provide services to customers, enabling customers to its closest contact, but the huge amount of money so that it can easily lead to misappropriation of client funds in the business running process needs to be retained in the Internet third-party payment agencies, impulses, resulting in client suffered a large external credit risk. The three main categories of risk exists in the Internet third-party payment agencies to face more than the Internet, countries do this introduction of the relevant laws and regulations to prevent, but failed to achieve the desired regulatory effect. The reason mainly lies in the countries more risk regulatory agencies individual risk as the research object, the proposed solutions are often the single response measures. However, the Internet provided by the Int