【作者】 刘晓婷；

【导师】 骆旭旭； 欧岩峰；

【作者基本信息】 华侨大学 ， 法律硕士（专业学位）， 2020， 硕士

【摘要】 在当代的社会生活中,人民每天都离不开的活动就是支付,它也是经济发展的桥梁。支付不仅发生在境内,还可以发生在境内境外之间,而第三方机构在双方之间的交易中总是起到关键性的作用,同时引发对机构支付的法律监管问题的讨论。而本文主要从第三方支付机构跨境支付监管的法律规制角度,考量目前国内第三方机构跨境支付的监管,并带着借鉴学习的目的分析国外同等类型的第三方机构的监管,以此立足于国内支付环境,寻找更加适合中国互联网金融发展中重中之重的第三方机构监管之路。文章的第一章首先从第三方机构跨境支付的定义、运作流程、法律关系等方面作为理论沉淀;第二章是研究我国现有监管的法律规定的基础上,结合京东支付的案例,发现我国监管中还存在的问题;第三章是对欧美国家第三方机构跨境支付法律规制的探索,带着借鉴的意识,发现其在法律规制方面的优点和需要进步的方面,同时分析结合中国实际情况,找出值得我国借鉴的几点监管措施;第四章则是完善建议,本文通过前面三章理论层面的概述,监管现状的分析和国外相关方面的监管方法,力求寻找到适合中国支付土壤下的监管制度,以更有利于互联网金融的发展。更多还原

【Abstract】 In contemporary social life,the daily inseparable activity is payment,which is also a bridge for economic development.With the development of Internet finance,payment activities have begun to make payments for cross-border transactions with the help of third-party institutions’ platforms.Regardless of whether domestic consumers purchase overseas products or overseas consumers purchase domestic products,third-party institutions always play a key role in transactions between the two parties,and at the same time trigger discussions on the legal supervision of institutional payments.This article mainly analyzes the current status of supervision of third-party institutions in China from the perspective of the legal regulation of third-party payment institutions’ cross-border payment supervision,and combines foreign regulatory experience to explore a regulatory model suitable for the Chinese context.This is also the original intention of this article.After systematically understanding and comparing academic articles in related fields at home and abroad,I put forward my own understanding and viewpoints on the basis of existing theories.The first chapter of the article first conducts basic theoretical research on the definition,operation process,and legal relationships of third-party institutions’ cross-border payments.The second chapter is to study the existing laws and regulations of China’s supervision.At the same time,with the awareness of the problem,combined with the case of JD.com,we find the problems that still exist in China’s supervision;Chapter III is the exploration of cross-border payment legal regulations of third-party institutions in Europe and the United States,with a sense of reference,to discover its advantages in legal regulations and areas that need progress,At the same time,it analyzes and combines the actual situation in China to find out several regulatory measures that are worthy of reference in China.Chapter 4 is to improve the recommendations.This article summarizes the theoretical aspects of the previous three chapters,analyzes the current situation of supervision,and relevant foreign regulatory methods.Awareness to solve the problem,and put forward some immature suggestions for the supervision of cross-border payments by third-party institutions in China.更多还原