浅析利用第三方支付平台实施经济犯罪的防范对策

A Brief Analysis on the Employment of the Third-Party Payment Platform to Implement Economic Crimes and Its Prevention Measures

随着支付宝、微信钱包等全面普及,第三方支付因其便捷性、盈利性和普惠性的特点,已然成为当下一种常态的支付习惯和生活方式。由于第三方支付行业粗放式的发展历程,相关监管制度、互联网技术等方面还存在一些漏洞,使得第三方支付平台成为以诈骗为主的各类经济犯罪活动的“温床”。利用第三方支付平台实施的经济犯罪行为,其本质是利用法律法规在第三方支付这一新生事物规制上的缺陷和互联网技术的漏洞所实施的经济犯罪。通过分析第三方支付所涉及经济犯罪的多样性及其原因,提出了将大数据情报信息系统及信息化侦查手段应用在第三方支付平台上的现实需要。通过完善法律法规、提升从业人员职业素养、构建第三方支付平台与公安大数据系统对接、共享机制等方式,实现对第三方支付平台立体化、全方位的分析、监控、预警,从而防范经济犯罪。

With the comprehensive popularization of Alipay,WeChat wallet and other platforms,third-party payment has become a normal payment habit and lifestyle due to its convenience,profitability and universality.However,the platform has also become a“hotbed”for various types of economic crimes mainly involving fraud,because of the extensive development process of the third-party payment industry and some loopholes in the relevant regulatory system and Internet technology.These crimes are committed,in essence,by taking advantage of the defects of laws and regulations in the regulation of the newly emerging third-party payment and the loopholes of Internet technology.Through the analysis of the diversity of economic crimes involved in the third-party payment and the reasons,the paper puts forward the practical needs of applying the big data information system and information investigation means to the third-party payment platform.In addition,we should improve related laws and regulations,the professional quality of employees,and build the docking and sharing mechanism between the third-party payment platform and the public security big data system,so that the third-party payment platform can be multi-dimensionally and comprehensively analyzed,monitored and warned and economic crimes be prevented.