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第三方支付平台借助网络运行的高效性、便捷性、隐秘性等特性蓬勃发展,在整个电子商务体系乃至市场经济体系中占据越来越重要的地位。但以支付宝交易中的网络欺诈为例,我国第三方支付平台目前尚存在比较严重的法律风险。对比国外第三方支付监管的经验,完善我国第三方支付平台监管的核心是,构建一个以第三方支付机构的自律监管为大背景,以银监会为监管主体,中国人民银行辅之,再以概括式的电子商务法律规范弥补漏洞的嵌套式监管机制。
The third-party payment platform is booming with the features of high efficiency, convenience and secrecy of network operation, and occupies an increasingly important position in the entire e-commerce system and even the market economy system. However, taking the online fraud in Alipay transaction as an example, the third-party payment platform in our country still has more serious legal risks. Contrast the experience of foreign third-party payment supervision, improve the core of the supervision of third-party payment platform in China is to build a self-regulatory third-party payment agencies as the background to the CBRC as the main regulatory body, the People’s Bank of China supplemented by general formula The e-commerce legal norms to make up for the loopholes in the nested regulatory mechanisms.