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Essay代写:Internet financial third party payment

2018-05-15 | 来源:51due教员组 | 类别:Essay代写范文

本篇essay代写-Internet financial third party payment讨论了互联网金融第三方支付。第三方支付指的是在电子商务企业与银行之间建立一个中立的具有公信力的支付平台为业务提供转拨钱款渠道和服务的企业。互联网金融第三方支付作为新兴交易方式,进行监管过程中就必须和第三方支付发展规律相配合,以市场为指导,寻求有成效的监管机制。本篇essay代写51due代写平台整理,供大家从参考阅读。

third party payment,第三方支付,essay代写,代写,paper代写

Over the years, with the growth of economy, the Internet and related information technology rapidly across the globe, the comprehensive penetrate deeply into all areas, promote the development of social economy, profound changes and affects all areas of the survival mode, management pattern and profit pattern, has brought the industrial efficiency is improved, the product shape change and an overhaul of commercial mode. Internet payment is electronic payment mainly reflected in the way, greatly improved the online sales of agile flexibility and rapidity, has attracted the attention of more consumers, most customers choose to use the Internet to pay more, trade scale had higher ascension.

Third party payment refers to the establishment of a neutral and credible payment platform between the e-commerce enterprise and the bank to provide funds for the transfer of funds and services. In the two sides in the process of trading, the buyer to buy goods, after using a third-party platform provides account for payment, the seller by a third party payment for goods arrive, to delivery, the buyer's acceptance of the goods, will be able to inform the payment to the seller, the third party then transfer the payment to the seller account.

As a new way to trade, financial Internet third-party payment must be in the process of regulation and third-party payment match the law of development, take the market as the guidance, to seek effective supervision mechanism.

China's current Internet financial third-party payment as prescribed by the laws and regulations are traditional financial model as the basis, for its access to financial markets rule contents, information protection is insufficient to formulate corresponding laws and regulations. In recent years, China's Internet financial third-party payment has larger scale, the original traditional financial regulatory system has lagged behind the current Internet speed of financial payment business innovation, but also constantly in the process is accompanied by some risk events occur, such as accounts are stolen, money, personal information leakage, etc.

Internet financial third-party payment has mixed industry trading business features, a single financial way often associated with other business, which makes its business coverage has increased to transfer from simple payment remittance, credit CARDS and other basic banking. Current our country is still the continuation of traditional separate operation, separate supervision of the financial regulatory system, embodied by the people's bank of China is responsible for the third party payment regulation, the CBRC shall be responsible for the regulation of P2P network platform loan business and the securities regulatory commission is responsible for the regulation of securities fund sales business to a third party.

Compared with the traditional financial sector, financial Internet third-party payment industry because of its simple operation requirements, use scope, communication and quick information etc., so let the Internet financial payment system in the process of its growing bigger risk, because our country financial regulation of third-party payment system also is in progress to be complete, people are enjoying the advantages of convenient, quick, at the same time and neglect the loopholes in its technology, cause each participation main body of information disclosure, led to the problems such as the Internet payment system vulnerability. This not only infringes the rights and interests of the participants in the third-party payment of Internet finance, but also presents new challenges to the further innovation of the method of supervision technology.

Internet finance payment transaction process is mainly to borrow? With the virtual platform of W, the two parties only need to carry out the customer identification number, mobile phone number and other user information authentication and capital flow on their respective computer terminals. On the one hand, because of the Internet virtual trading platform on the governance of contempt or operation is not mature, on the other hand because the computer system itself the communication system of hidden trouble in security and network technology, etc.

Regulation is necessary for the Internet financial third party payment industry in risk. However, it is not possible to copy the regulatory mode of traditional financial industry, which will hinder the sustainable development and technological innovation of the third-party payment system of Internet finance. Financial third-party payment abroad researchers believe that the Internet can help the financial industry to reduce costs, promote the business innovation, business between the products and services for financial institutions provide convenient resource interoperability, so the government can't involved to influence their growth, using the addition to the existing laws and regulations on Internet financial third-party payment industry standard system, make prudent regulation in loose policy environment.

Since third-party payment is an innovation in traditional financial transaction payment form, it has the characteristics of mixed operation in the transaction mode. For example, integrated payment treasure and tenpay are the unified trading interface, which has easy access to online payment and transfer remittance, small loan, life payment, etc. The old financial regulation model has long been unable to cover the Internet third-party payment supervision mode, so it is urgent to establish a new form of payment supervision.

Basically, the third-party payment market of Internet finance is in the "three no-no" state, and the "three-nil" state refers to "no threshold, no industry standard, no regulatory agency". In the relevant regulatory authorities should make rules formulated, the scope of business of Internet third-party payment and get a definition when Internet financial enterprises to join the industry before they clear the status of the whole organization management, etc., filter meets the requirements of individuals or institutions, to reduce the risk of industry.

The establishment of a special online financial consumer protection complaint platform enables consumers to make complaints through telephone and Internet and further promote the protection of financial consumers in China. At the same time, financial institutions should organize relevant personnel learning improve relevant personnel of technology and network technology research, reduce the risk of information system, in order to better protect consumers infringed, to ensure the safety of consumer information, and endanger the consumer funds of various crimes give serious blow.

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