Legal Issues of China 's network of third-party payment
|School||Sichuan Academy of Social Sciences|
|Keywords||Online payment Network of third-party payment Market access Precipitation funds Credit Evaluation Mechanism|
As technology advances, the e-commerce is changing in an unprecedented manner mode and pattern of traditional business activities, the network transaction volume increased year by year, has become the new choice for many consumers to buy their favorite products online. Pay is undoubtedly the most important part of the business activities, efficient and reliable payment transactions standard measure. Traditional online payment way is often a lack of protection, defects in the safety and reliability of network transactions urgent need for a safe and efficient both new way, the network of third-party payment came into being under such conditions. Network of third-party payment with respect to traditional online payment methods, with high reliability, low cost, high efficiency, wide selectively. The third-party payment network reality mainly two modes rely on an independent and non-independent third-party payment, online payment payment gateway or credit intermediary. The development of China's network of third-party payment representing Europe and the United States and other developed countries is relatively late, but still very rapid development momentum. However, the rapid development has also led to a network of third-party payment, in reality there are a series of questions, and Legislation of countries in the field of a certain lag. 2010, the state has no special laws for supervision in the field of network of third-party payment, but simply rely on some related laws have been enacted regulatory state is unable to adapt to the complex network of third-party payment field. Precipitation interest vesting network of third-party payment fuzzy nature of the enterprise, and the payment of funds, lack of regulatory bodies, tax evasion and criminal phenomenon frequently highlighted the problem of all of our network of third-party payment field. For this fuzzy situation in 2010, the state promulgated the \In the absorption of relevant experience in Europe and the United States and other countries on the basis of these two single law, combined with the actual situation in China introduced in the countries to establish a set of a relative scientific laws regulatory system. \to protect the security of transactions, the card approval system, announcement system; further strengthen the risk response and prevention capabilities of the network of third-party payment enterprises, established a provision for system and more detailed provisions in the area of ??consumer protection. Of course, the formulation of the law can not cover everything, and the introduction of \precipitation interest vested funds, provision for a single bank deposit as well as the establishment of the unified credit evaluation system are still in an indeterminate state, the problem needs to be further explored in future legislation and practice and perfect.