第三方支付企业跨境发展初探——以支付宝为例

Third party payment enterprise cross border development probing—take alipay as example

随着跨境电子商务以全新的贸易方式开拓了一个更广阔的国际市场,以支付宝为代表的第三方支付以其独特优势在国际贸易支付中占领了一席之地。本文谨以支付宝为例,说明第三方支付的流程、支付安全与业务现状,并针对第三方支付企业跨境支付存在的风险问题,提出完善第三方支付跨境服务的构想,从而促进我国第三方支付企业依法合规地开展跨境业务,推动我国网上支付及电子商务的健康发展。

The international business becomes more prosperous in tandem with the development cross-border B2C commerce, which brings about a larger internation- al market. The Zhifubao, a third party payment service provider has become popular for international business payment due to its unique advantages. This article aims at elucidating the transaction process, payment secu- rity and the business operation of the Zhifubao. More- over, ~e examine its operational risks and problems ex- isted due to the current economic and legal differences between jurisdictions, We propose our suggestions to assist a better development of the third party payment system and give legal recommendations for those compa- nies who involve in this busifless in order to advance this business in China.