互联网第三方支付市场准入法律问题研究

Research on Legal Issues of the Market Access of Internet Third-Party Payment

在电子商务繁荣发展的时代背景下,我国互联网第三方支付正形成一个容量巨大、发展迅猛的市场。为了兼顾维护国家金融安全、保护消费者合法权益、履行国际法义务并扶持国内新兴产业发展的多重目标,国家对互联网第三方支付行业实行核准主义模式的市场准入监管十分必要。然而,当前以《非金融机构支付服务管理办法》等规范文件为框架所构建的市场准入制度存在诸多问题,如法律位阶过低、监管主体单一、进入和退出规则不合理等。这就需要立足本国实际,通过借鉴较为成熟的国外立法经验,形成以规范严谨的高位阶立法为前提,旨在兼顾社会公共利益和支付机构发展利益的互联网第三方支付市场准入制度。

Under the background of the booming development of e-commerce,China’s Internet third-party payment is forming a market with huge capacity and rapid development.In order to balance the multiple objectives of safeguarding national financial security,protecting the legitimate rights and interests of consumers,fulfilling the obligations of international law and supporting the development of emerging industries in China,it is necessary for the state to implement market-approval supervision of the Internet third-party payment industry.However,the current market access system based on the normative documents such as the Administrative Measures for Payment Services of Non—Financial Institutions has many problems,such as the low legal level,single regulatory body,and unreasonable entry and exit rules.To improve the situation,Chinese lawmakers should learn from more mature experience of overseas legislation on the basis of China’s actual circumstances to form an Internet third-party payment market access system that is based on the prescriptive high-level legislation and aims to balance the public interest and the developmental interests of payment institutions.