电子支付的法律问题及其风险监管

Concerning the Electronic Payment Legal Problems and Its Risk Supervision

电子商务以低成本、高效率、全球化的优势将成为未来国际经济贸易往来的主导发展模式。电子商务是物流、信息流和资金流的电子化过程,电子商务的开展离不开资金的畅通流动。因此,银行能否提供及时、快捷、安全的电子支付服务在电子商务发展过程中至关重要。本文对电子支付过程中产生的法律问题及其安全性进行了初步探讨,从市场准入、认证机构资格、监管合作等方面提出了对电子支付风险的监管对策。

Electronic commerce with low cost,high efficiency,globalization advantage will become future development pattern international economic trade.E-commerce is the electronic process of logistics,information and cash flow.Without money clear flow,e-commerce cannot develop.Therefore,in the electronic commerce development process,it is very important that whether banks can offer electronic payment services timely,fast and safely.This paper talks about the questions of law and its safety,and carries on the regulatory measures on the risk of market access authentication,agency qualifications and supervision to cooperation.