论第三方支付平台的风险及其预防规制

Study on the Risks and Solutions of the Third Party Payment Platform

互联网金融中第三方支付平台发展迅猛。由于消费者、第三方支付平台和国家制度等多方面的原因,第三方支付平台充满刑事风险,这些风险是以社会经济秩序、个人财产和人身权利为侵害客体的刑事风险。借鉴欧盟和美国的经验,消费者应提高自我的保护意识,第三方支付平台应完善平台内部的安全保障与平台间的行业监督,国家应制定并修改相应的法律以提供强有力的法律保障。从这些积极的方面对第三方支付平台的运转进行完善,才能使第三方支付平台的风险得到根治。

The third party payment platform develops rapidly. Due to reasons from consumers, the third party payment and national institution, the third party payment is full of criminal risks which are closely related to the economical order, personal property and personal right. According to the lessons from the European Union and America, consumers should improve the sense of protection, the third party payment need to strengthen the safety system and supervision system, the state are supposed to modify the law to give a strong support. Only when we put these measures into action can these risks been solved.