發(fā)布時間：2018-01-07 17:33

  本文關鍵詞：第三方支付沉淀資金及其孳息法律問題研究　出處：《海南大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 沉淀資金 孳息 法律權屬 監(jiān)管體制

【摘要】：第三方在線支付的蓬勃發(fā)展在帶來經濟效益的同時,隨之而來的巨額沉淀資金也滯留在平臺賬戶所引發(fā)的問題和爭論引起了人們的廣泛關注。由此產生的第三方支付沉淀資金及其孳息權屬問題也在經濟學和法學界引起了激烈的探討。文章從第三方支付沉淀資金的產生以及發(fā)展趨勢入手,分析我國現(xiàn)有法律法規(guī)對其規(guī)制的情況和不足,通過參考國外立法以及相關實踐操作,以期對我國對第三方支付沉淀資金及其孳息相關法律法規(guī)以及監(jiān)管制度的完善方面有所啟示。因此,結合國內相關規(guī)定以及國外實踐操作情況,文章提出了完善我國關于第三方支付沉淀資金及其孳息法律規(guī)制的路徑分析。首先應明確第三方支付沉淀資金及其孳息的法律權屬,在加強第三方在支付機構的內部監(jiān)控及外部監(jiān)督的基礎上,建立政府監(jiān)管結合行業(yè)自律的監(jiān)管體制。通過將第三方支付機構沉淀資金定義為第三方支付機構的負債,進而主張實行存款延伸保險制度和風險保證金制度等一系列措施,完善對第三方支付機構沉淀資金及其孳息的監(jiān)管。
[Abstract]:The booming development of third-party online payment brings economic benefits at the same time. The problems and controversies caused by the large amount of precipitated funds remaining in the platform account have aroused widespread concern. The problems of third-party payment of precipitated funds and their ownership of fruits are also in the field of economics and law. This article starts with the generation and development trend of the third party payment deposit fund. Analysis of the existing laws and regulations of our country to its regulation of the situation and deficiencies, through reference to foreign legislation and related practices. With a view to the third party to pay precipitation funds and related laws and regulations as well as the improvement of the regulatory system of enlightenment. Therefore, combined with the relevant domestic provisions and foreign practice. This paper puts forward the path analysis of perfecting the legal regulation of third-party payment of precipitated funds and their fruits in our country. First of all, we should make clear the legal ownership of third-party payment of precipitated funds and their fruits. On the basis of strengthening the internal control and external supervision of the third party in the payment organization. To establish a regulatory system of government regulation combined with industry self-discipline. By defining third-party payment agencies as liabilities of third-party payment agencies, the paper defines the accumulation of funds as the liabilities of third-party payment agencies. Furthermore, the author proposes to carry out a series of measures, such as deposit extension insurance system and risk margin system, to improve the supervision of the deposit funds and their fruits of third-party payment institutions.
【學位授予單位】：海南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.28

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本文編號：1393580