电商平台无证经营支付业务整改方案探讨

Discussion on Rectification Scheme of Electronic Business Platform's Unlicensed Payment Business

随着电子商务行业的发展,部分电商平台在经营过程中存在的无证经营支付业务问题日益显现,给电商行业发展带来一定的不确定性,也给社会带来了一定的资金和信息风险。本文分析了无证经营支付业务产生的原因以及其中存在的风险,并从账户开立、资金结算和商户管理等角度出发,列举了对电商平台类无证机构的几类整改方案,并对各类方案的利弊进行了深入分析,试图提出该问题最终的整治路径。

With the development of e-commerce industry, the problem of unlicensed payment business in the operation of some electronic business platforms is becoming increasingly apparent, To the development of the electricity supplier industry brings certain uncertainty, It also brings some risks to the society. This paper analyzes the causes and risks of unlicensed payment business, And from the perspective of account opening, fund settlement and merchant management, listed several kinds of rectification schemes for the unlicensed institutions of electronic business platform, then analyzes the advantages and disadvantages of various schemes, Try to put forward the final way to solve this problem.