网络第三方支付机构信用保障机制初探

Credit Guarantee Mechanism of the Third-party Payment Agencies for On-line Shopping

网络第三方支付机构信用担保的本质决定了其自身的安全和信用,也应该有充分的担保。由于缺乏有效的信用保障机制的约束,网络第三方支付机构存在很多信用缺失的情形,从而引发了网络第三方支付机构的信用风险。因此,完善我国网络第三方支付机构信用保障机制具有重要的理论意义和实践意义。

The nature of credit guarantee of the third-party payment agencies for on-line decides their security and credit, which should be guaranteed too. The inadequacy of efficient credit guarantee mechanism causes many cases of losing credit of the third-party payment agencies, which makes the credit risk. It is of great theoretical and practical significance to improve the credit guarantee mechanism of the third-party payment agencies.