利用第三方支付进行非法资金归集犯罪的防控

The Use of Third Party Payments for Preventing and Controlling Measures against Crimes of Swindling Illegal Funds

分析第三方支付与金融机构存在的问题。阐述利用第三方支付进行非法资金归集的犯罪包括非法转移资金、洗钱犯罪和信用卡诈骗犯罪,其中对于通过伪造受害人承诺书划扣存款至目标账户的行为,认为其定性应为信用卡诈骗而非集资诈骗。提出对利用第三方支付进行资金归集的犯罪可以通过健全第三方用户身份识别、强化对资金归集业务的风控管理、严格对商户公司的资质调查、对委托扣款协议尽严格审查义务等方式加强防范。

The paper analyzes the problems that third-party payments and financial agencies have. It explains thecrime by using third-party payment to illegally collect funds including transferring funds illegally, the crime oflaundering money and credit card fraud, the act of debiting deposit to the target account by forging the victim＇scommitment; it should be categorized as credit card fraud rather than the type of fund-raising fraud. The crime can beprevented by increasing the investigation of the qualifications of the client company, strengthening risk control andmanagement of capital accumulation business, strictly investigating the qualifications of client companies andconducting a rigorous review of the commissioned deduction agreement at the level of obligations.