星云棋牌官网下载

<small id='7eb1j'></small><noframes id='7eb1j'>

  • <tfoot id='7eb1j'></tfoot>

      <legend id='7eb1j'><style id='7eb1j'><dir id='7eb1j'><q id='7eb1j'></q></dir></style></legend>
      <i id='7eb1j'><tr id='7eb1j'><dt id='7eb1j'><q id='7eb1j'><span id='7eb1j'><b id='7eb1j'><form id='7eb1j'><ins id='7eb1j'></ins><ul id='7eb1j'></ul><sub id='7eb1j'></sub></form><legend id='7eb1j'></legend><bdo id='7eb1j'><pre id='7eb1j'><center id='7eb1j'></center></pre></bdo></b><th id='7eb1j'></th></span></q></dt></tr></i><div id='7eb1j'><tfoot id='7eb1j'></tfoot><dl id='7eb1j'><fieldset id='7eb1j'></fieldset></dl></div>

          <bdo id='7eb1j'></bdo><ul id='7eb1j'></ul>

        1. <small id='8isi1'></small><noframes id='8isi1'>

        2. <tfoot id='8isi1'></tfoot>

            <legend id='8isi1'><style id='8isi1'><dir id='8isi1'><q id='8isi1'></q></dir></style></legend>
            <i id='8isi1'><tr id='8isi1'><dt id='8isi1'><q id='8isi1'><span id='8isi1'><b id='8isi1'><form id='8isi1'><ins id='8isi1'></ins><ul id='8isi1'></ul><sub id='8isi1'></sub></form><legend id='8isi1'></legend><bdo id='8isi1'><pre id='8isi1'><center id='8isi1'></center></pre></bdo></b><th id='8isi1'></th></span></q></dt></tr></i><div id='8isi1'><tfoot id='8isi1'></tfoot><dl id='8isi1'><fieldset id='8isi1'></fieldset></dl></div>

                <bdo id='8isi1'></bdo><ul id='8isi1'></ul>

              1. <tr id='ne1xw'><strong id='ne1xw'></strong><small id='ne1xw'></small><button id='ne1xw'></button><li id='ne1xw'><noscript id='ne1xw'><big id='ne1xw'></big><dt id='ne1xw'></dt></noscript></li></tr><ol id='ne1xw'><option id='ne1xw'><table id='ne1xw'><blockquote id='ne1xw'><tbody id='ne1xw'></tbody></blockquote></table></option></ol><u id='ne1xw'></u><kbd id='ne1xw'><kbd id='ne1xw'></kbd></kbd>

                <code id='ne1xw'><strong id='ne1xw'></strong></code>

                <fieldset id='ne1xw'></fieldset>
                      <span id='ne1xw'></span>

                          <ins id='ne1xw'></ins>
                          <acronym id='ne1xw'><em id='ne1xw'></em><td id='ne1xw'><div id='ne1xw'></div></td></acronym><address id='ne1xw'><big id='ne1xw'><big id='ne1xw'></big><legend id='ne1xw'></legend></big></address>

                          <i id='ne1xw'><div id='ne1xw'><ins id='ne1xw'></ins></div></i>
                          <i id='ne1xw'></i>
                        1. <dl id='ne1xw'></dl>
                          1. 学术堂首页 | 文献求助论文范文 | 论文题目 | 参考文献 | 开题报告 | 论文格式 | 摘要提纲 | 论文致谢 | 论文查重 | 论文答辩 | 论文发表 | 期刊杂志 | 论文写作 | 论文PPT
                            学术堂专业论文学习平台您当前的位置:学术堂 > 法学论文 > 法律论文 > 经济法论文

                            探究电子支付对传统金融法的挑战和影响

                            时间:2018-11-28 来源:未知 作者:乐枫 本文字数:12853字

                            金融法论文独家整理范文10篇之第七篇:探究电子支付对传统金融法的挑战和影响

                              摘要:电子支付的出现是支付结算史上的一次革命性变化, 不仅革新了传统的支付方式, 而且对传统的法律规则也提出了挑战。因此, 对电子支付进行立法规制就显得十分紧迫。运用历史分析方法对支付方式的嬗变过程进行梳理, 从中可以抽象出支付方式发展到电子支付阶段以后的主要特点。这些特点也正是电子支付对传统金融法构成挑战的根本原因。电子支付对传统金融法的挑战和影响主要体现在支付结算法、中央银行法、票据法、金融监管法等几个具体的领域, 而这些挑战和颠覆既是对电子支付进行法律规制的必要性也是其相关制度构建的出发点。对电子支付进行法律规制应遵循"理念--原则--制度"的进路, 而具体制度规则的构建应在"主体--行为--责任"的框架下展开。

                              关键词:支付方式; 电子支付; 法律规制

                              Abstract:

                              The appearance of electronic payment is a revolutionary incident in the history of payment and settlement, which not only reforms the traditional payment system, but also raises challenges to the existing legal rules and regulations. By employing the historical analysis method, this paper sorts out the historical evolution process of payment system and summarize the features of the electronic payment. Features such as digital informationization, virtualization and paperlessness of electronic payment are the essential reasons for its challenges to traditional financial law. Challenges such as measures for payment and settlement, central bank act, negotiable instruments law and financial regulation law make it necessary for us to carry legal regulation, and regards it as the starting point of related system construction. The general legal regulation should follow the idea-principle-system approach, while the specific rules should be developed under the subject-behavior-responsibility framework.

                              Keyword:

                            星云棋牌官网下载   methods of payment; electronic payment; legal regulation;

                            金融法

                              DIANZIZHIFUSHIBANSUIZHEJISUANJIHETONGXINJISHUDEFAZHANERCHANSHENGDE, DIANZIZHIFUDECHUXIANSHIYUANYOUDEZHENGQUANHUAZHIFUTIXIZHONGCHANSHENGLEWUZHIHUADEZHIFUTIXI。DIANZIZHIFUSHIDIANZISHANGWUFAZHANZHONGZIJINLIUDEZHONGYAOZUCHENGBUFEN, DIANZIZHIFUFANGSHIDEGUANGFANYUNYONG, WEIDIANZISHANGWUDEFAZHANTIGONGLEGENGWEIGUANGKUODESHICHANG, DUIJIASUDIANZISHANGWUDEFAZHANCHANSHENGLESHENYUANDEYINGXIANG。DIANZIZHIFUZUOWEIYIZHONGXINXINGDEZHIFUFANGSHI, JIYUCHUANTONGJINGJIHEZHIFUFANGFASHENGCHENGDEFALVZHIDUZAIDIAOZHENGZHEIZHONGXINXINGZHIFUFANGSHISHI, JIUBIRANYAOMIANLINZHONGZHONGXINWENTIHEXINTIAOZHAN。ZAIDIANZIZHIFUZHONGCHENGXIANCHULEXUDUOBUTONGYUCHUANTONGZHIFUFANGSHIDETEDIAN, QIZHONGZHIFUSHOUDUANDESHUZIXINXIHUA、ZHIFUFANGSHIDEXUNIHUA、ZHIFUGONGJUDEWUZHIHUA、ZHIFUXITONGDEKAIFANGXINGDENGTEZHENGDOUBUTONGYUCHUANTONGZHIFUFANGSHI。CHUANTONGJINRONGFAZHONGGUIZHIZHIFUJIESUANDENEIRONGSHIJIANLIZAICHUANTONGZHIFUFANGSHISHANGDE, MIANDUIDIANZIZHIFUSUODAILAIDEXINBIANHUA, CHUANTONGDEJINRONGFALVGUIFANMINGXIANZHIHOU, ZHEIZAIZHIFUJIESUANFA、ZHONGYANGYINXINGFA、PIAOJUFA、JINRONGJIANGUANFAHEJINRONGXIAOFEIZHEBAOHUDENGZHUDUOLINGYUDOUYOUSUOBIAOXIAN。

                            星云棋牌官网下载   DIANZIZHIFUDECHUXIANYAOQIUZAIFALVSHANGYOUXINDEZHIDUGONGJI, YINCI, LIQINGDIANZIZHIFUZAISHIYONGJINRONGFAGUOCHENGZHONGDEWENTI, DIAOZHENGCHUANTONGFALVDESHIYINGXINGJIUXIANDEYOUWEIJINPO。FENXIZHIFUFANGSHIDELISHIFAZHANJIDIANZIZHIFUDETEDIAN, DUIDIANZIZHIFUJINXINGFALVGUIZHIYINGZUNXUN"LINIAN---YUANZE---ZHIDU"DEGUIZHIJINLU。JIYUWOGUOSHEHUILISHIJIXIANYOUFALVZHIDUYINSUDEKAOLIANG, DIANZIZHIFUJUTIFALVGUIZEDEGOUJIANYINGZAI"ZHUTI---XINGWEI---ZEREN"DEKUANGJIAXIAZHANKAI。

                              一、支付方式的历史嬗变及其特点

                            星云棋牌官网下载   (YI) ZHIFUFANGSHIDELISHIFAZHANMAILUO

                              ZHIFUQIYUANYUSHANGPINJIAOYIDEXUQIU。RENLEIZUIZAODESHANGPINJIAOYIXINGSHISHIWUWUJIAOHUAN, ZAOQIDEZHIFUFANGSHIYEJIUSHIYIWUYIWUDESHANGPINZHIFU (1) , ZHEIZHONGFANGSHISUIRANZHIJIE, DANSHIXIAOLVDIXIA, XIANGDUIFUZA, NANYIDUISHANGPINDEJIAZHIJINXINGTONGYIDEPINGGU, JIAZHISHANGPINSHENGCHANFAZHANHOU, CHANPINJIAOHUANDEZHONGLEIRIYIFANDUO, SHANGPINZHIFUZHUJIANBUNENGMANZUSHANGPINJIAOYIDEXUQIU。JIYUSHANGSHUYUANYIN, HOULAICHUXIANLEMAOYIMEIJIEDEYIBANDENGJIAWU---GUIZHONGJINSHU。DANGZHIFUGONGJUZHUJIANDEJIZHONGYUYIYUBAOCUNHEXIEDAIDEJINYINDENGYIBANDENGJIAWUSHANGSHI, ZHEIXIEGUIJINSHUJIUZHUJIANYANBIANWEIJINSHUHUOBI。HUOBIDECHANSHENGSHIZHIFULISHISHANGDEYICIZHONGYAOBIANGE, BIAOZHIZHEZHIFUGONGJUYOUSHANGPINYANBIANWEIHUOBI。JINSHUBENSHENSHIYIZHONGSHANGPIN, JIANCHONGDANGLEYIBANDENGJIAWU---HUOBI, SUOYIYOUJINSHUHUOBICHONGDANGDEZHIFUGONGJUBENSHENRENGRANJUYOUJIAZHI。CIHOUSUIZHEJIAOYIMEIJIEDEJINYIBUFAZHAN, QIYUZISHENDEJIAZHIBUDUANFENLI, ZHUJIANXINGCHENGLEXIANDAIYIYISHANGCHOUXIANGDEXINYONGHUOBI---ZHIBI。ZHIBIBUTONGYUJINSHUHUOBI, QIBENSHENBINGMEIYOURENHEJIAZHI, WANQUANSHIYIZHONGJIAZHIFUHAO。ZAIYOUJINSHUHUOBIYANBIANWEIXINYONGHUOBIYIHOU, ZHIBICHENGDANLEZHIFUZHINENG, ZHEIBIAOZHIZHEZHIFUFANGSHIJINRULEXINYONGZHIFU, SHIZHIFULISHISHANGDEDIERCIBIANGE。SUIZHESHANGPINJINGJIDEBUDUANFAZHAN, DIQUJIANSHANGYEJIAOLIUCUJINLETONGYISHICHANGDEXINGCHENG, WEILEGENGWEIBIANJIEANQUANDEWANCHENGSHANGPINJIAOYIZHONGDEZIJINLIUDONG, JIEJUEHUOBIZHIFUZHONGDEJULIHESHIJIANWENTI, CHUXIANLEHUOBIDEZHENGQUANHUAXINGSHI---PIAOJU。TONGSHI, YINXINGYEDEXUNSUFAZHAN, YESHIDEPIAOJUCHENGWEIXIANJINZHIWAIZUIZHUYAODEZHIFUGONGJU, TEBIESHIZAISHANGYEHUODONGZHONGDUOYIPIAOJUDEFANGSHILAIWANCHENGZIJINDEZHIFU, YOUPIAOJUDAIBIAOHUOBIDEJIAZHIBINGCHENGDANHUOBIDEZHIFUZHINENG。PIAOJUWEIDAIBIAODEFEIXIANJINZHIFUGONGJUDECHUXIANSHIZHIFULISHISHANGDEDISANCIBIANGE。

                              JISUANJIJIWANGLUOJISHUDECHUXIANWEIZHIFUFANGSHIDEDISICIGEMINGTIGONGLEQIJI。20SHIJI50NIANDAIJISUANJIZUOWEIFUZHUSHOUDUANKAISHIYINGYONGYUJINRONGZHIFUJIESUAN。80NIANDAIHOUQIZAIZHIFULINGYUKAISHILEDIANZIHUA, ZHUJIANCHUXIANLEZIDONGJUYUANJI (ATM) 、XIAOSHOUZHONGDUANXITONG (POS) DENGZHUANXIANXITONG。90NIANDAIKAISHICHUXIANLEDIANZIJINRONG, HULIANWANGJISHUDEFAZHANSHIDEWANGLUOZHIFUCHUXIANBINGCHENGWEIDIANZIZHIFUZHONGGENGWEIXINXINGDEFANGSHI。ZAIDIANZIZHIFUDEWANGLUOHUAJIEDUAN, SHIJIYUHULIANWANGXINGCHENGDEJINRONGZHIFUFUWUHUODONG, CANYUFANGKAISHILIYONGKAIFANGSHIDEHULIANWANGJINXINGZHIFU[1].DANGJISUANJIYUTONGXINJISHUHEJINRONGCHUANGXINBUDUANFAZHANBINGXIANGJIEHEYIHOU, JINRONGLINGYUZHONGYIJINGNENGYONGJISUANJICUNCHUDESHUJULAIBIAOSHIZIJINLE, ZHEIZAIZHIFUJIESUANTIXIZHONGSHIYIGEJUYOULICHENGBEISHIDEFAZHAN, CHUANTONGDEZHIFUJIESUANTIXIZHONGCHANSHENGLEDIANZIZHIFU。 (2) ZAIDIANZIKONGJIANZHONG, XIANJIN、PIAOJUDELIUDONGZHUANBIANCHENGLEJISUANJIWANGLUOZHONGDESHUJUXINXIDELIUDONG。DIANZIZHIFUDECHUXIANSHIZHIFULISHISHANGDEDISICIBIANGE。DIANZIZHIFUJINGLILESANGEJIEDUAN, JIJISUANJIFUZHUCHUANTONGZHIFUJIEDUAN、ZHIFUFANGSHIDEDIANZIHUAJIEDUANHEZHIFUFANGSHIDEWANGLUOHUAJIEDUAN。WOGUODIANZIZHIFUJISHUSUIRANQIBUJIAOWAN, DANFAZHANSUDUSHIFENJINGREN。GENJUCNN-ICDI41CI《ZHONGGUOHULIANWANGLUOFAZHANZHUANGKUANGTONGJIBAOGAO》FABUDESHUJU[2], JIEZHI2017NIAN12YUE, WOGUOSHIYONGWANGSHANGZHIFUDEYONGHUGUIMODADAO5.31YI, JIAO2016NIANDIZENGJIA5 661WANREN, NIANZENGZHANGLVWEI11.9%, SHIYONGLVDA68.8%;QIZHONG, SHOUJIZHIFUYONGHUGUIMOZENGZHANGXUNSU, DADAO5.27YIREN, JIAO2016NIANDIZENGJIA5 783WANREN, NIANZENGZHANGLVWEI12.3%, SHIYONGBILIDA70.0%.

                              SHULIZHIFUFANGSHIFAZHANDELISHIMAILUOKEYIKANCHU, ZHIFUFANGSHIJINGLILESICIBIANGE, DIYICISHIJINSHUHUOBIDECHUXIANGAIBIANLESHANGPINZHIFUDEFANGSHI, DIERCISHIZHIBIDECHUXIANBIAOZHIZHEXINYONGZHIFUFANGSHIDEKAISHI, DISANCISHIPIAOJUDECHUXIANKAICHUANGLEFEIXIANJINZHIFUGONGJUDEYINGYONG, DISICIBIANGESHIDIANZIZHIFUDECHUXIAN, KAISHILEWUZHIHUADEZHIFUFANGSHI。ZHIFUFANGSHIDESICIBIANGEJIBENZHANSHILEZHIFUFANGSHIDELISHISHANBIANGUOCHENG。

                              (ER) CHUANTONGZHIFUFANGSHIXIANGDIANZIZHIFUFAZHANGUOCHENGZHONGCHENGXIANDETEDIAN

                            星云棋牌官网下载   YOUYUDIANZIZHIFUFANGSHIDECHUXIAN, JICHUANTONGDEZHIFUFANGSHIDAILAILEXUDUOBIANHUA, ZONGJIEZHEIXIEBIANHUA, QIZHONGCHENGXIANCHUDEZHUYAOTEDIANYOUYIXIAJIGEFANGMIAN:

                              YISHI, ZHIFUSHOUDUANSHANG, CONGZHIJIEDEHUOBIPIAOZHENGDESHITILIUZHUANDAOYILAISHUJUXINXIDECHUANDI, DIANZIZHIFUSHOUDUANSHIXIANLESHUZIXINXIHUA。CHUANTONGZHIFUSHITONGGUOXIANJINHEFEIXIANJINDEZHIZHIHUASHOUDUANJINXINGDE, SHIYOUXIANJINDELIUZHUAN、PIAOJUDEZHUANRANGHEYINXINGDEHUIDUIDENGLAIWANCHENGKUANXIANGJIAOFU。WULUNSHIXIANJINZHIFUHAISHIPIAOJUZHIFUDOUSHIHUOBIHEHUOBIZHENGQUANSUODAIBIAOYIDINGJIAZHIDEHUOBIWULISHITIDELIUZHUAN[3].ERZAIDIANZIZHIFUZHONG, SHIYISHUZIXINXIHUADESHOUDUANJINXINGKUANXIANGDEJIAOFU, SHIJIANGYONGYUZHIFUDEZIJINYONGSHUZIHUADEXINGSHIBIAOSHICHULAI, ZAITONGGUODIANZISHUJUXINXIDECHUANSHULAIWANCHENGZHIFU。YOUSHUJUXINXICHUANSHULAIDAITIYUANYOUDEHUOBIJIQIHUOBIZHENGQUANDESHIWUZHUANYI, ZHIFUDEFASHENGJINJINSHITONGGUOZHEIXIESHUJUXINXIDEGAIDONGJIAYIWANCHENGDE, BINGBUCHUXIANXIANSHIDEZHIBIHUOZHEPIAOJUDEZHUANYI。

                              ERSHI, ZHIFUFANGSHISHANG, CONGWULIJIEZHIFAZHANDAOXUNIWANGLUO, DIANZIZHIFUZAIFANGSHISHANGSHIXUNIHUADE。CONGSHANGSHUZHIFUFANGSHIDELISHISHANBIANZHONGKAOCHA, BUNANFAXIANDIANZIZHIFUSHIBANSUIZHEJISUANJIHEXINXITONGXUNJISHUDEFAZHAN, CONGCHUANTONGWULIJIEZHIDEZHIFUFAZHANERLAIDE。ZAICHUANTONGZHIFUFANGSHIXIA, ZHIFUXINGWEIYIBANDOUFASHENGZAIYOUWULISHITIDEYINGYETINGNEI, BINGQIESHIZAIZHENRENZHIJIANMIANDUIMIANJINXINGDE。DIANZIZHIFUCHANSHENGYIHOU, KAISHIYIJISUANJIJISHUWEIFUZHU, HOULAIYITONGXUNXINXIWANGLUOWEISHOUDUAN, SHIZHIFUXINGWEIFASHENGZAIXUNIKONGJIANZHONG, TONGGUODIANZIFANGSHIJINXINGHUOBIZHIFUHEZIJINZHUANYI。DIANZIZHIFUZHONGTUPOLEXIANSHIKONGJIANDEWULIJIEZHI, ZAIDIANZIHUAKONGJIANZHONGJISHIFASHENG, TONGCHANGSHIRENJIJIAOHU, CONGERJUYOUXUNIXINGTAIDETEZHENG。ZAIZHEIGEXUNIKONGJIANZHONG, YOUYUZHENGGEZHIFUGUOCHENGDOUSHIWUXINGHUADE, SUOYICHUANTONGZHONGDEMIANDUIMIANDEXINYONGGUANXIYEYINCIERBEIXUNIHUALE, XINGCHENGLEXUNIDEXINYONGGUANXI。

                              SANSHI, ZHIFUGONGJUSHANG, CONGZHIPIAOFAZHANDAOLEDIANZIXINXIZAITI, DIANZIZHIFUGONGJUSHIXIANLEWUZHIHUAXINGSHI。CHUANTONGZHIFUGONGJUZHUYAOYOUXIANJIN、PIAOJUDENG, ZAIJISUANJIJISHUYINGYONGYUJINRONGLINGYUYIHOU, YINXINGZAIYIDINGCHENGDUSHANGJIANGXIANCHAO、PIAOJUDENGSHIWUBIAOSHIDEZIJINZHUANHUANWEIYONGJISUANJIZHONGCHUCUNDESHUJUSUOBIAOSHIDEZIJIN, ZAIZHIFUSHIJIANLINGYUZHONGYANSHENGCHUGEZHONGGEYANGDEDIANZIZHIFUGONGJU, RUDIANZIZHIPIAO、DIANZIHUOBI、DIANZIXINYONGKADENG。ZHEIXIEXINXINGDEZHIFUGONGJUGEYOUZIJIDETEDIANHEYUNYINGMOSHI, DANYOUYIGEGONGTONGDETEDIANJIUSHIWUZHIHUA, TAMENTONGGUOYIDINGDEZAITIJIANGHUOBIJIAZHIYIDIANZIXINXIDEFANGSHIJIAYICUNCHU, BINGNENGTONGGUOJISUANJIHUOWANGLUODESHIYONGLAIZHIFUQIZIJIN。MUQIAN, DADUOSHUDEDIANZIZHIFUSHIYONGDESHIDIANZIFUHAOXITONGHEDIANZIXINYONGKA、DIANZIZHIPIAOYIJIDIANZIHUOBI。

                              SISHI, ZHIFUXITONGSHANG, YOUFENGBISHIXITONGXIANGKAIFANGSHIWANGLUOFAZHAN, DIANZIZHIFUXITONGJUYOUKAIFANGXING。DIANZIZHIFUYIJISUANJIJIWANGLUOXITONGWEIJICHU, ZAISHUZIHUAZHIFUHUANJINGZHONG, CHAOYUELEYIBANYIYISHANGDESHIJIANHEKONGJIAN, JUYOUJIQIANGDEKAIFANGXING。CONGZONGTISHANGJIANG, DIANZIZHIFUXITONGDEJIANLISHOUXIANYOUDANJICHULIDAOYINXINGNEIBULIANJIZUOYE, JIJIANLINEILIANWANG, ZAIYOUNEILIANWANGFAZHANDAOWAILIANWANG, WAILIANWANGSHILIANJIEYINXINGZHIJIANYIJIJINGCHANGYUYINXINGDAJIAODAODEJIGOUDEWANGLUO, JUYOUYIDINGDEKAIFANGXING。MUQIANDIANZIZHIFUXITONGXIANGWANQUANKAIFANGDEHULIANWANGFANGXIANGFAZHAN, WANGSHANGZHIFUFAZHANXUNMENG, DANYOUYUWANGLUOZHIFUDEJISHUANQUANTIAOJIANHAIBUCHENGSHU, TONGGUOHULIANWANGZHIFUWANCHENGDEJIAOYIESUOZHANBILIJIAOXIAO[4].

                              二、电子支付对金融法的挑战

                            星云棋牌官网下载   YOUYUDIANZIZHIFUDECHUXIAN, ZAIYUANYOUDEZHENGQUANHUAZHIFUTIXIZHONGCHANSHENGLEYIGESHUZIHUADEZHIFUTIXI。QUANXINDEDIANZIHUAZHIFUYUNYINGMOSHIBUJINDUICHUANTONGDIANZIZHIFUJIESUANDEGUIZHIFANGSHICHANSHENGLECHONGJI, TONGSHIDUIJINRONGFADEQITALINGYUYEFASHENGLEJIAODADEYINGXIANG。

                              (YI) ZHIFUJIESUANFA

                              CHUANTONGZHIFUTIXIYIPIAOJUWEIZHUYAODEZHIFUFANGSHI, SHIZHENGQUANHUALEDEZHIFUTIXI, SHIZAIMINSHIQUANLIZHENGQUANHUADEBEIJINGXIAZHANKAIDE。DIANZIZHIFUGONGJUDECHUXIANSHIDEYUANYOUDEZHENGQUANHUADEZHIFUXIANGSHUZIHUAZHIFUFAZHAN, SHUZIHUADEZHIFUTIXISHIJIANLIZAIMINSHIQUANLIXUNIHUABEIJINGXIADE。JIYUZHEIZHONGCHAYI, DUIDIANZIZHIFUDEFALVGUIZHIYUCHUANTONGZHIFUJIESUANFAHUIYOUBUTONGZHICHU。

                              SHOUXIAN, ZHIFUJIESUANYEWUYOUJINRONGJIGOULONGDUANJINGYINGDEJUMIANBEIDAPO。WOGUO《ZHIFUJIESUANBANFA》HE《SHANGYEYINXINGFA》DOUGUIDINGYINXINGSHICONGSHIZHIFUJIESUANYEWUDEZHONGJIEJIGOU。 (1) KEJIAN, ZHIFUJIESUANYEWUCHUANTONGSHANGJIBENSHANGSHIYOUYINXINGLONGDUANJINGYINGDE。DANSHIYOUYUDIANZIZHIFUJIESUANXUYAOZHONGJIEXINGJISHUFUWUSHANGDEZHICHI, TEBIESHIDIANZISHANGWUDEXUNMENGFAZHAN, DISANFANGZHIFUQIYEDEJUEQI (2) , CHUANTONGJINRONGJIGOUZHIFUJIESUANYEWUDEZHUANYINGQUANYIJINGBEIDAPO。DUIYINXINGLONGDUANDEDAPO, SHOUXIANJIUCONGZHIFULINGYUKAISHILE。ZHEIBUJINDUIZHIFUJIESUANFASHIYIGETIAOZHAN, ERQIEDUIJINRONGFAXUELILUNDOUSHIYIZHONGCHONGJI, ZHEIQIZHONGCHUXIANLEYOUYINXINGXINYONGXIANGSHEHUIXINYONGHEGERENXINYONGDEBUDUANFAZHAN。

                              QICI, CHUANTONGZHIFUJIESUANFALVGUIZESHOUDAOYINGXIANG。DIANZIZHIFUFANGSHIBUTONGYUCHUANTONGZHIFUFANGSHI, GUIZHICHUANTONGZHIFUJIESUANGONGJUDEZHIFUJIESUANFAXIANRANWUFASHIYONGYUXINXINGDEDIANZIZHIFUFANGSHI。DIANZIHUOBIDEFAXING、CHUANSHU、HUISHUDENGZAICHUANTONGZHIFUJIESUANFAZHONGZHAOBUDAOGUIZHIYIJU。DISANFANGZHIFUDECHUXIANGENGSHIQUANXINDELINGYU, QIZHIFUZHUTIBENSHENBUSHIJINRONGJIGOU, TEBIESHIYUNYINGMOSHIJISUOTIGONGDEWANGSHANGZHIFUYEWUJUNYUCHUANTONGZHIFUBUTONG。DISANFANGZHIFUDESHICHANGZHUNRU、ZHIFUPINGTAIJIAOYIJINEDEXIANZHI、KEHUCHENDIANZIJINYIJITUOGUANZHANGHUDENGWENTI, JUNWUFASHIYONGCHUANTONGDEZHIFUJIESUANFALVGUIFAN。MIANDUIDIANZIZHIFUZHONGDEXINXINGZHIFUGONGJU, CHUANTONGDEZHIFUJIESUANFACUNZAIZHEZHIHOUXING, HENDUOLINGYUZHONGDOUCUNZAIZHELIFAKONGBAI。YINCI, TONGGUOXINDELIFADUIDIANZIZHIFUJINXINGBUBAIXINGDEFALVGUIZHIYIXIANDESHIFENJINPO。

                            星云棋牌官网下载   (ER) PIAOJUFA

                              PIAOJUFAZAICHUANTONGJINRONGFAXUEZHONGSHIYIMENXIANGDUIDULIDEFENZHIXUEKE;ZAISHANGFAZHONG, PIAOJUFAYESHIFEICHANGZHONGYAODEYIGEZUCHENGBUFEN。KAOCHAZHIFUJIESUANDEFAZHANLICHENGKEYIKANCHU, YOUXIANJINZHIFUWEIZHUGUODUDAOFEIXIANJINZHIFUWEIZHU, ZAIFEIXIANJINZHIFUZHONGYOUYOUZHENGQUANHUADEPIAOJUXIANGWUZHIHUADEDIANZIZHIFUFAZHAN。JIUMUQIANLAISHUO, DIANZIZHIFUYUELAIYUEZHANJUZHONGYAODIWEI, CHENGWEIZHIFUJIESUANZHONGDEZHULIJUN, ZHEIJIUHUIGAIBIANYUANYOUDEPIAOJUZUOWEIZHUYAOZHIFUFANGSHIDEJUMIAN, CONGERSHIPIAOJUFAYUANYOUDEDIWEISHOUDAOTIAOZHAN, BAOKUODIANZIZHIFU、PIAOJUDENGQITAZHIFUFANGSHIZAINEIDEZHIFUJIESUANFABIJIANGTIDAIPIAOJUFAERCHENGWEIJINRONGFAXUEYIJISHANGFAXUEDEYIGEZHUYAOFENZHI。

                              CHULEPIAOJUFADEDIWEISHOUDAOTIAOZHANZHIWAI, DIANZIZHIPIAODEWUZHIHUAYUCHUANTONGPIAOJUFALVGUIZEBENSHENYECHANSHENGLEJIAODACHONGTU。DIANZIZHIPIAODEQIANFA、DUIFU、TUOGUAN、RENZHENGYIJIYUZHIZHIPIAOJUDEZHUANHUANJUNSHIDUIXIANXINGPIAOJUFADETIAOZHAN。PIAOJUFAZHONGDEPIAOJUXINGWEISHIYISHUMIANXINGSHIZUOCHUDE, ERDIANZIZHIPIAOCAIYONGDESHIWUZHIHUADEDIANZIFANGSHI[5], BENSHENYINHANZHEJIAMIDIANZIXINXI, XUYAOJINXINGDIANZIQIANMING, ZUIZHONGSHITONGGUOSHUJUDIANWENXINXICHUANDILAIWANCHENGZHENGGEZHIFUGUOCHENGDE;PIAOJUFAZHONGDUIZHIZHIPIAOJUQIANMINGGAIZHANGDEYAOQIU, ZAIDIANZIZHIFUDEWUZHIHUATIAOJIANXIAYENANYISHIXIAN;DIANZIZHIPIAODEHEFAXINGSHITONGGUOSHUZIQIANMINGHEZIDONGYANZHENGJISHULAIQUEDINGDE;CIWAI, ZAIZHIZHIPIAOJUZHIFUZHONG, YINHUASHUIYAOQIUNASHUIRENBIXUZAIYINGSHUIPINGZHENGSHANGZHANTIEYINHUASHUIPIAO, DANSHIDIANZIPIAOJUYOUYUWUZHIHUADETEDIANWUFACAIQUZHEIYIFANGSHI。ZHEIXIEWENTIYAOQIUXIEDIAO《PIAOJUFA》、《DIANZIQIANMINGFA》、《PIAOJUGUANLISHISHIBANFA》DENGDEGUIDING, WANSHAN《DIANZISHANGYEHUIPIAOYEWUGUANLIBANFA》、《DIANZISHANGYEHUIPIAOXITONGGUANLIBANFA》DENGZAINEIDEYIXILIEPEITAOZHIDU, MINGQUEDIANZIPIAOJUDANGSHIRENDEQUANLI、YIWU, GUIFANXITONGDEZHUNRU、TUICHU、YUNYING、JIANGUANHEWEIJICHUZHI[6].

                              (SAN) ZHONGYANGYINXINGFA

                            星云棋牌官网下载   DIANZIHUOBISHIDIANZIZHIFUGONGJUZHONGDEGAOJIXINGSHI, CHANSHENGJIAOWANDANFAZHANXUNSU, SUIZHEDIANZIHUOBIDEGUANGFANSHIYONG, DUIZHONGYANGYINXINGDEHUOBILONGDUANFAXINGQUAN、HUOBIZHENGCEDEZHIDINGHESHISHIDENGDOUCHANSHENGLEJIAODADECHONGJI。

                              MUQIAN, DUIDIANZIHUOBISHIFOUJUYOUHUOBIDEFALVSHUXINGYOUBUTONGDEGUANDIAN (1) .ZHIFUGONGJUYUHUOBIXINGTAIBINGFEIYIYIDUIYINGGUANXI, DIANZIHUOBISHIZUOWEIYIZHONGZHIFUGONGJUFAZHANQILAIDE, ERQIEJIUMUQIANDIANZIHUOBIDESHIYONGLAIKAN, TAZHISHIZUOWEIYIZHONGZHIFUGONGJUZHIXINGZHEHUOBIDEZHIFUZHINENG。SUIRANDIANZIHUOBIZHISHIZHIXINGZHEHUOBIDEZHIFUZHINENG, DANSHIZHIFUJIESUANYEHUIYINGXIANGYINXINGDEHUOBIJINGYINGHEXINYONGCHUANGZAO。YOUYUDIANZIHUOBINENGGOUBUFENTIDAILIUTONGZHONGDEHUOBI, JIAKUAILEHUOBILIUTONGSUDU, CONGERDAOZHIHUOBIXUQIUDEJIANSHAO。DIANZIHUOBIFAXINGDESHULIANG、YONGYUSHIJIZHIFUDEBILIYIJILIUZHUANCISHUDOUJIANGYINGXIANGHUOBIDEGONGYINGLIANG, CONGERGAIBIANLEHUOBIDEGONGQIUYINSU。DIANZIHUOBISHISHANGYEYINXINGDEXINYONGCHUANGZAOYUZHUNBEIJINDESHULIANGXIANGTUOLI, HUIZAOCHENGZHONGYANGYINXINGCUNKUANZHUNBEIJINDESHULIANGWUFADUIHUOBIGONGYINGLIANGCHANSHENGZHIJIEDEYINGXIANG。CIWAI, JIHUOBIZHENGCECHUANDAOJIZHIYEDAILAICHONGJI, SHIDEZHONGYANGYINXINGKONGZHIHUOBIDENENGLIDADAJIANGDI。ZHEIXIEDOUHUIDUIZHONGYANGYINXINGDEHUOBIZHENGCECHANSHENGYINGXIANG。

                            星云棋牌官网下载   MUQIAN, DIANZIHUOBIDEFAXINGZHUTICHENGDUOYUANHUADEQUSHI, SHANGYEYINXING、FEIYINXINGJINRONGJIGOUYIJIYIXIEFEIJINRONGJIGOUDOUKEYISHEJIHEFAXING, ZHONGYANGYINXINGBINGBUSHIDIANZIHUOBIFAXINGDEWEIYIZHUTI, JIAZHIDIANZIHUOBIYEJUYOUXINYONGCHUANGZAODEGONGNENG, ZHEIXIEDOUHUIDAOZHIZHONGYANGYINXINGHUOBILONGDUANFAXINGDEQUANLISHOUDAOWEIXIE, TONGSHIYINFAXINGHUOBIQUDEDEZHUBISHUISHOURUYEJIANGJIANSHAO。CONGDIANZIHUOBIDEFAZHANQUSHILAIKAN, JIANGDIANZIHUOBIDEFAXINGWANQUANGUIYUZHONGYANGYINXINGYIBUTAIXIANSHI。YOUYUDIANZIHUOBIDEFAXINGZHUTIBUSHOUXIANZHI, FAXINGDIANZIHUOBIJIZHUNBEIJINYEMEIYOUJUTIYAOQIU, YINCI, ZHONGYANGYINXINGDUIDIANZIHUOBIJIHUOBIXUQIUZAOCHENGDEYINGXIANGNANYIYUCE, RUGUOHAIANZHAOYUANYOUDEHUOBIYUNXINGLILUNZHIDINGHUOBIZHENGCEJIUYOUKENENGZENGJIAHUOBIZHENGCEZUIZHONGMUBIAODEWUCHA[7], ZHEIJIUXUYAODUIDIANZIHUOBIDEFAXINGZHIDUZHONGXINZHIDINGGUIFAN。XIANRAN, KONGZHIZHUNRU, XIANDINGDIANZIHUOBIDEFAXINGZHE, BINGQIEKONGZHIDIANZIHUOBIFAXINGFANWEIHESHIYONGFANWEI, ZHEIYANGKEJIANGYOUCIDAILAIDEDIANZIZHIFUFENGXIANJIANSHAO, BIANYUGUIFANGUANLI[8].

                            星云棋牌官网下载   (SI) JINRONGJIANGUANFA

                              DIANZIZHIFUYECHONGJIZHECHUANTONGDEJINRONGJIANGUANZHIDU。CHUANTONGZHIFUJIESUANSHIZAIYINXINGZHONGWANCHENGDE, ERMUQIANDEDIANZIZHIFUCHUJINRONGJIGOUZHIWAIHAISHEJIFEIJINRONGJIGOU。DUIYUFEIJINRONGJIGOUZUZHICONGSHIDEJINRONGZENGZHIFUWUXINGWEIJINXINGJIANGUANDEXIANDUYIJICAIYONGHEZHONGJIANGUANBIAOZHUNHEGUIZEDOUMIANLINZHEYIXIEXINWENTI。DIANZIZHIFUZHONGJIAMIJISHUDESHIYONG, YEJIJINRONGJIANGUANDAILAILEXINDETIAOZHAN。DUIYUJIAMIXINXIDELAIYUAN、MUDEDENGNEIRONG, JIANGUANJIGOUHENNANHUOZHI, YEWUFAJISHIDEDIAOCHAYUZHUIZONG, ZHEIJIJIANGUANJIGOUDEDIAOCHAQUZHENGDAILEKUNNAN。

                              DIANZIZHIFUFASHENGZAIFEIWULIJIEZHIDEXUNIKONGJIANZHONG, ZAIDUIDIANZIZHIFUJINXINGJINRONGJIANGUANSHI, CHUANTONGDECHANGGUIJIANGUANFANGSHIDEZUOYONGMINGXIANJIANRUO。CHUANTONGJINRONGJIANGUANDEZHUYAOJIANGUANSHOUDUANYIBANSHIXIANCHANGJIANCHAYIJIFEIXIANCHANGJIANCHA, ZAIDIANZIZHIFUSHOUDUANXIA, ZHIFUFANGSHIDEWUZHIHUAHEJISHIXING, SHIDEYIZHIZHIPINGZHENGWEIYUANSHIYIJUDEXIANCHANGJIANCHAHEYIBAOBIAOGUIZHANGWEIZHUYAONEIRONGDEFEIXIANCHANGJIANCHAYIBUNENGSHIYINGDIANZIZHIFUDEJIANGUANYAOQIU, TEBIESHIYUANYOUXIANCHANGJIANCHADEFANGSHIYINGGAIFUYUXINDENEIHAN。DIANZIZHIFUSHIYIZHONGXINXIJISHUHUAFEICHANGQIANGDEXINXINGYEWU, DUICI, XIANXINGDEJINRONGJIANGUANFALVZHIDUYOUBIYAOZUOCHUXINDEJUYOUZHENDUIXINGDEJIAOZHENGHEZHONGSU[9].ZHENDUIZHEIXIEFALVSHANGDEBUSHIYINGXING, YOUBIYAOWANSHANDUOCENGCI、QUANMIANDEDISANFANGZHIFUJIANGUANFALVTIXI。

                            星云棋牌官网下载   (WU) JINRONGXIAOFEIZHEBAOHUFA

                              DIANZIZHIFUYITUOYUWANGLUODIANZIXINXIJISHU, ZAIDIANZIZHIFUZHONGDUIXIAOFEIZHEDEBAOHUYEJUYOUTESHUXING。DIANZIZHIFUDECAOZUOGUIZEHEYEWULIUCHENGDOUBIXIANJINHEQITAFEIXIANJINZHIFUFANGSHIFUZA, ZHUANYEJISHUXINGGENGQIANG。ZHIFUFUWUXIEYIYEWANGWANGSHIGESHIHETONG。YINCI, XIANGDUIYUDIANZIZHIFUQIYE, XIAOFEIZHECHUYURUOSHIDIWEI。

                              DIANZIZHIFUFANGSHIXIA, DUIXIAOFEIZHEDECHUANTONGQUANLIBAOHUFUYULEXINDENEIHAN。ZAIDIANZIZHIFUFANGSHIZHONGBIRANYAOQIUKAILIDIANZIZHANGHU, ERDIANZIZHANGHUWANGWANGCHUCUNYUJISUANJIWANGLUOPINGTAIXITONGZHONG, ZAIXUNIKONGJIANZHONGCHUYIBANDEJISHUWENTIZHIWAI, YEHUICHUXIANBEIWANGLUOHEIKERUQINDIANZIZHANGHUBINGDUIZIJINJINXINGFEIFAHUABO, QIANQUANXINGHUISHOUDAOWEIXIE, SHIPUTONGXIAOFEIZHESUOBUHUIYUDAODE, YINCI, ZAIDIANZIZHIFUZHONGXIAOFEIZHEDEANQUANQUANDENEIHANHEWAIYANDOUSHOUDAOLETIAOZHAN。YOUYUSHENFENRENZHENGHESHUZIQIANMINGZAIDIANZIZHIFUZHONGDEZHONGYAOZUOYONG, DUISHUZIQIANMINGRENZHENGFUWUSHANGDEZERENYEYINGJIAYIMINGQUEGUIDING, YIBAOZHENGRENZHENGNEIRONGDEZHENSHIHEZHUNQUE。LINGWAI, YOUYUDIANZIZHIFUSHUJUXINXIHUADETEDIAN, SHIDEBAOHUXIAOFEIZHEDEYINSIGENGCHENGWEIDIANZIZHIFUZHONGXIAOFEIZHEBAOHUDEYIXIANGZHONGYAONEIRONG, ZHEIYAOQIUYINXINGHEFEIJINRONGFUWUJIGOUBIXUDUIDIANZIZHIFUZHONGXIAOFEIZHEDESHUJUJINXINGBAOMIBINGTIGONGXINXIANQUAN。MUQIANDIANZIZHIFUZHONGDEXIAOFEIZHEBAOHUFALVZHIDUTIXIHEWEIQUANCHENGXUBUJIANQUAN, JIANGUANJIZHIBUZU, CUNZAIZHEKEHUXINXIBEIXIELOU、FUWUXIEYIBUNENGYOUXIAOWEIHUXIAOFEIZHELIYIDENGWENTI, ZHEIJIANGZUIZHONGHUIYINGXIANGDAODISANFANGZHIFUXINGYEDEFAZHAN[10].

                              三、电子支付法律规制的进路

                              MIANDUIDIANZIZHIFUJICHUANTONGJINRONGFASUODAILAIDESHANGSHUTIAOZHAN, YINGJIAKUAILIFAJIJIYINGDUI, YIBIANDUIWOGUODIANZIZHIFUJINXINGFALVGUIZHI。

                            星云棋牌官网下载   (YI) FALVGUIZHIDELINIAN:ANQUANYUXIAOLVDEKAOLIANG

                              WEIQUEBAOJINRONGZHIXUANQUAN, WEIHUJINRONGYEGONGPINGYOUXIAOJINGZHENG, BAOHUJINRONGXIAOFEIZHEHESHEHUIGONGZHONGLIYIJIBAOZHENGZHONGYANGYINXINGHUOBIZHENGCEDESHISHI, YOUBIYAODUIDIANZIZHIFUJINXINGFALVGUIZHI。FALVGUIZHISHOUXIANJIEJUEDEYINGSHILIFALINIANDEWENTI。CONGDUIDIANZIZHIFUGUIZHIDEBIYAOXINGLAIKAN, QIGUIZHILINIANYINGDANGSHIANQUANHEXIAOLVDEKAOLIANG。CONGMEIGUOHEOUMENGDUIDIANZIZHIFUDELIFADEBUTONGTAIDUYEKEYIKANCHUDUIANQUANHEXIAOLVDEBUTONGXUANZE (1) .ANQUANHEXIAOLVZAIYIDINGCHENGDUSHANGCUNZAIXIANGHUDEJIAZHICHONGTU。GUANZHIGUOYANYOUSUNXIAOLV, GUANZHIGUOSONGYOUWEIJIANQUAN。SUOYIDUIDIANZIZHIFUDEFALVGUIZHIBIXUBAWOHAOGUIZHIDESHIDUXING, JINENGCUJINZHIFUJIESUANDEZHIXUANQUANYOUNENGCUSHIQIGAOXIAODEYUNYING。

                              DIANZIZHIFUFAZHANDEZUIDAZHANGAIJIUSHIDIANZIZHIFUGUOCHENGZHONGDEANQUANXINGWENTI。YOUYUQIXUNIHUA、SHUZIHUAYIJIJIAOYISHUANGFANGXINXIBUDUICHENGDENGDOUZENGJIALEZHIFUGUOCHENGZHONGDEFENGXIAN, RUWANGLUOBINGDUDECHUANBO、XUJIAWANGLUODECUNZAI、GERENXINXIDEXIELOUDENGWENTIPINFA。WEIBAOZHANGDIANZIZHIFUDEJIAOYIANQUAN, YINGFUYUWANGSHANGYINXING、DIANZIZHIFUFUWUSHANGYIJIWANGLUOYUNYINGSHANGDENGJIGOUWEIHUANQUANDEYIWUHEZEREN, TIGONGBAOZHANGDIANZIZHIFUDEANQUANXING、KEKAOXINGDEJISHUCUOSHI, CHONGFENLIYONGMIMAJISHUYIJISHENFENRENZHENGJISHU, GOUJIANDIANZIZHIFUDEANQUANXITONG。DANSHIZHEIXIEGUIZEZHIDINGZHONGYINGDUIGEFANGZHUTIDEQUANLIZERENHELIPEIZHI, BUNENGYINGXIANGDAODIANZIZHIFUYUNYINGZHONGDEXIAOLV。DIANZIZHIFUBENSHENJIUSHIZHIFUFANGSHITIGAOXIAOLVDECHANWU, SHISHIYINGSHICHANGDEXUQIUERCHANSHENGDE, RUGUOGUIZHIGUODUJIUHUIYOUSUNYUXIAOLV, YEJIUXIANZHILEDIANZIZHIFUBENSHENDEFAZHAN。YINCI, XIAOLVYEYINGDANGSHIDIANZIZHIFULIFAZHONGYOUBIYAOZUNXUNDELINIAN。

                            星云棋牌官网下载   DISANFANGZHIFUFANGSHIDECHUXIANJIUSHIXIAOLVYUANQUANXUQIUXIANGJIEHEDECHANWU, WEIMIBUANQUANXINGDEBUZU, DISANFANGZHIFUQIYEZAISHANGJIAHEXIAOFEIZHEZHIJIANJUYOUXINYONGBAOZHENGDEZHONGJIEGONGNENG, WEIDIANZIZHIFUDEANQUANHEXINYONGTIGONGLEBAOZHANG, JIMANZULEDIANZIZHIFUDEGAOXIAOYUNXING, YOUTIGONGLEXIANGDUIJIAOWEIANQUANDEYUNYINGMOSHI。CONGDISANFANGZHIFUDECHUXIANYEKEYIKANCHUDIANZIZHIFUDUIANQUANHEXIAOLVERZHEDEXUQIU。YINCI, ZAIDIANZIZHIFUDEFALVGUIZHIZHONGYINGDANGJIANGANQUANHEXIAOLVZUOWEILIFALINIANGUANCHUANYUGUIZEDEZHIDINGHEZHIXINGZHIZHONG。YIFANGMIAN, YINGGULIZHICHIDIANZIZHIFUXINGYECHUANGXIN, LINGYIFANGMIAN, YEYINGDANGJISHIGENJINXIANGYINGJIANGUAN, JIANLIFENGXIANFANGFANTIXIHEYUJINGJIZHI。WEITIGAOCHENDIANZIJINLIYONGXIAOLV, KEZAIZHIDUSHANGSHIDIANYIDINGTIAOJIANXIAYUNXUCHENDIANZIJINDETOUZI, SHIXIANCHENDIANZIJINDEYOUXIAOZENGZHI。TONGSHI, DIANZIZHIFUZHONGYIDANCHUXIANJISHUFENGXIAN, HUIJIXIAOFEIZHEDAILAISUNSHI, YINGQIANGHUADIANZIZHIFUJISHUANQUANDEFALVGUIZHI, ZHENDUIZHIFUJIGOUDEYEWUTEDIANMINGQUEFUYUQIJISHUANQUANFANGHUYIWU, TEBIESHIYIDONGDUANZHIFUFENGXIANJIAOGAO, YOUYINGJIAQIANGYIDONGZHIFUDEGERENXINXIBAOHUXITONGDEWANSHAN。

                            星云棋牌官网下载   (ER) FALVGUIZHIDEMOSHI:DANYILIFA

                            星云棋牌官网下载   DUIDIANZIZHIFUFALVGUIZHIMOSHIDEXUANZEJIYAOKAOLVWOGUOSHEHUILISHIYINSU、JISUANJIWANGLUOHEJINGJIJINRONGDEFAZHANXIANZHUANG, GENGYAOKAOLVLIFAJISHUDEYINSU。WOGUODIANZIZHIFULIFAMOSHIDEXUANZEYINGGAILIZUYUKEXINGXINGYUANZEJISHICHANGXUQIUDEJICHUZHISHANGCAIYONGDANYILIFAMOSHI。

                              SHIJIEGEGUODUIDIANZIZHIFUDELIFAMOSHIZHUYAOYOULIANGZHONG:YIZHONGSHITONGYILIFA, JIANGDIANZIZHIFUDEFALVGUIZHINARUDIANZISHANGWUFAZHONGTONGYIGUIZHI, YAZHOUGEGUOSHITONGYILIFADEDAIBIAO;LINGYIZHONGSHIZENGBULIFA, DIANZISHANGWUFAZHIJIEJUEDIANZISHANGWUDEJIBENFALVWENTI, QITADEDIANZIZHIFUWENTIDOUZAIXIANYOUFALVJICHUSHANGJINXINGZENGBU, MEIGUOSHIZENGBULIFADEDAIBIAO。ZONGGUANDANGJINDIANZIZHIFUDELIANGZHONGLIFAMOSHI, MEIGUODEZENGBUMOSHISHIJIANLIZAIYOUWANSHANDEDIANZISHANGWUFAJICHUZHISHANGDE, QIDIANZISHANGWUFAYIDUIDIANZISHANGWUDEJIBENFALVWENTIJINXINGLEGUIFAN, ERWOGUOQUESHAODIANZISHANGWUFANGMIANDEJIBENLIFA, DIANZISHANGWUDEJIBENFALVGUIFANDOUMEIYOU, TONGGUOZENGBULIFALAIWANSHANFALVDECHENGBENTAIGAO, XIAOLVDIXIA[11].TONGSHI, DIANZIZHIFULIFASHEJIDELINGYUJIAODUO, DIANZIZHIFUJISHIDIANZISHANGWUDEYIGEBUFENYOUYOUBIEYUDIANZISHANGWUJICHUJIAOYIGUANXI;TAYESHIJINRONGFADEYIGEBUFEN, TONGSHIHAISHEJIWANGLUOFALVGUANXI。ZAIGELINGYUFENBIELIFAXIANDESHIFENLINGLUAN, XIEDIAOCHENGBENGUODA。YINCI, WOGUODUIDIANZIZHIFUDEFALVGUIZHIYINGCAIYONGDANYILIFADEMOSHI。

                            星云棋牌官网下载   CHUANTONGDEZHIFUFANGSHIHEXINXINGDEDIANZIZHIFUBINGCUNDEJUMIANSHIDELIFAJIAOWEIFUZA, DANWULUNSHICHUANTONGDEZHIFUFANGSHIHAISHIDIANZIZHIFUFANGSHI, DOUSHIWEIRAOZHEZHIFUJIESUANZHANKAIDE, MUDEDOUSHIWEILEQINGJIEZHAIQUANZHAIWU, ZHISHIJUTIFANGSHIBUTONGERYI, ERZHIFUJIESUANLINGYUYOUQIZISHENDEXIANGDUIDULIXING。JIYUCI, YIFANGMIANYINGJIUZHIFUJIESUANLINGYUDEGONGTONGSHUXINGLAIWANSHANWOGUOXIANYOUDEZHIFUJIESUANFALVGUIFAN, DUIRENMINYINXINGYUANYOUDEZHIFUJIESUANGUANLIBANFAJINXINGXIUDING, KEJIESHENGLIFACHENGBEN;LINGYIFANGMIANYINGJIUXINXINGDEDIANZIZHIFUFANGSHIHEGONGJUJINXINGDANDULIFA。WOGUOXIANYOUDIANZIZHIFULIFACENGCIJIAODI (1) , DUANQIKEYIZUOQUANYIZHICE, DANCONGZHANGYUANLAIKAN, YINGZHIDINGYIBUTONGYIDEDIANZIZHIFUFA, YIJIZHONGJIEJUEDIANZIZHIFUZHONGDEXINQINGKUANGHEXINWENTI。SUIRANDANDUZHIDINGDIANZIZHIFUFADENANDUJIAODA, DANWEIRAODIANZIZHIFUJIESUANTIXIZHANKAI, YIJUZHUTI---XINGWEI---ZERENDEKUANGJIALAIANPAIGECANYUZHUTIDEQUANLIYIWUGUIZE, ZAISHISHIZHONGGENGYOULIYUZHIFAHEJIANGUAN。

                              (SAN) LIFAGUIZHIDEYUANZE:JISHUXING、PINGHENGXING、GONGPINGXING

                              GOUJIANYIXIANGFALVZHIDUDEJINLUSHICONGLINIANDAOYUANZEZAIDAOZHIDU。YUANZEZAILIFAGUOCHENGHEZHIFAZHONGDOUQIZHEZHUDAOZUOYONG。DIANZIZHIFUFALVGUIZHISUOXUYAOZUNXUNDELIFAYUANZEZHUYAOBAOKUOYIXIAJIGE:

                            星云棋牌官网下载   1. JISHUXINGTEZHENGYUANZE

                              ZHIFUJIESUANZHIDUTIXIANLEJINRONGHUODONGDEJISHUXINGTEZHENG。JINRONGHUODONGJISHUTEZHENGSHIYOUJINRONGYEWUDEKEGUANGUILVJUEDINGDE, RENHERENDOUMEIYOUNENGLIDUITAJINXINGRENYIDEXIUGAIHEFOUDING, FOUZEJIUNANYIBAOZHENGJINRONGYEDEZHENGCHANGYUNXING, NANYISHIXIANSHEHUIDEZHENGTIJINRONGLIYI[12].DIANZIZHIFUGONGJUSHIRENLEIGAODUCHOUXIANGSHEJIDE, JUYOUFEICHANGFUZAHEYANGEDENEIZAIKEGUANYUNXINGJIZHI, ZHEIXIEYUNXINGJIZHISHIBUNENGZHUGUANDIRENYIGAIBIANDE。YINCI, DIANZIZHIFUFALVGUIFANDEZHIDINGYUSHISHIBIXUZUNSHOUHEBAOHUZHEIXIEKEGUANDEYEWUTEZHENG, ANZHAOJINRONGYEWUTEZHENGLAIZHIDINGHESHISHI。

                              DIANZIZHIFUYINGANZHAOJISHUYAOQIUSHIXIANZHIFUDEBIAOZHUNHUA, CONGYIDINGCHENGDUSHANGLAIJIANG, DIANZIZHIFUBIAOZHUNHUAGUIZEDEZHIDINGGUOCHENGJIUSHIFALVGUIZEZHIDINGDEGUOCHENG, WANCHENGBIAOZHUNHUAGUIZEDEZHIDINGJIUKEYIFALVDEXINGSHIJIAYIQUEREN。DANGRANZHEIZHONGJISHUGUIZEDEZHIDINGYAOJIANLIZAIKEXINGXINGYUANZEJICHUZHISHANG, ZHEIJIUDUIDIANZIZHIFUHUANJINGTICHUYAOQIU, ZHIYOUDIANZIZHIFUDEJICHUSHESHISHIKEXINGDE, CAINENGFANGZHIFENGXIANDEFASHENG, YECAINENGSHIXIANDIANZIZHIFUANQUANHEZHIXUDEYAOQIU。SUOYI, YINGDANGJIANLIJISHUANQUANBAOZHANGJIZHI, JIANCE、SHENCHA、PINGGUXITONGDEJISHUFENGXIAN, BINGJIANLIJIANQUANDIANZIZHIFUQIYEANQUANGUANLIBUMENDEZHIZE, JIANGXITONGFENGXIANFANGFANCUOSHIBIAOZHUNHUAHEZHIDUHUA。

                            星云棋牌官网下载   2. LIYIPINGHENGYUANZE

                            星云棋牌官网下载   LIYIPINGHENGYUANZESHIDUIDIANZIZHIFUZHONGGECANYUZHUTIDEBAOHU。DIANZIZHIFUFANGSHIJIAOWEIFUZA, TEBIESHIWANGLUOZHIFUDEJISHURENGRANSHIXINXINGDEFAZHANLINGYU, ZAIDUIJISHUDEZHANGWOCHENGDUSHANG, ZHIFUFUWUSHANG、YINXING、RENZHENGJIGOUDENGJUYOUYIDINGDEYOUSHI, ERPUTONGDESHANGJIA, TEBIESHIXIAOFEIZHEXIANGDUICHUYURUOSHI, BIRU, ZAIZHIFUCHUXIANWENTISHICHENGDANJISHUZHONGDEJUZHENGZERENSHIFEICHANGKUNNANDE。WEIBIMIANZHIFUZHONGJIELIYONGQIXINXIJISHUHEYEWUYOUSHISUNHAIXIAOFEIZHELIYI, BIXUTEBIEQIANGDIAODUIXIAOFEIZHEDELIYIBAOHU。ZHENDUIDIANZIZHIFUZHONGRONGYICHUXIANXIAOFEIZHEXINXIBEIQIEQU、GONGKAI、BUDANGSHIYONGDENGFENGXIAN, YINGDANGJIAQIANGGERENXINXIBAOHULIFA。

                              RANER, YOUYUXINXINGJISHUBENSHENJUYOUFENGXIANXING, RUGUORANGJISHUDETIGONGZHEHETUIGUANGZHEWANQUANCHENGDANYOUYUZHEIXIEWEIZHIDEFENGXIANYINSUDAOZHIDEZEREN, YEHUIYINGXIANGDIANZIZHIFUDEFAZHANHETUIGUANG。ZHEIJIUXUYAOGENJULIYIPINGHENGYUANZEZAIYINXING、ZHIFUZUZHI、TEYUESHANGHUHEXIAOFEIZHEJIGEZHUTIZHIJIANHELIPEIZHIQUANLIHEYIWU[13].

                              3. WEIHUGONGPINGJINGZHENGYUANZE

                              CONGDIANZIZHIFUYUNYINGMOSHILAIKAN, ZHUYAOBAOKUOZHIFUFUWUZUZHI、YINXING、SHANGHU、XIAOFEIZHEDENGWEIGUANCENGMIANSHANGDESHICHANGZHUTIDEYUNXING, YINGDANGTONGGUOFALVWEIZHEIXIEWEIGUANSHICHANGZHUTICHUANGZAOGONGPINGJINGZHENGDESHICHANGHUANJING, SHITAMENNENGZAIXIANGTONGTIAOJIANHEWAIBUHUANJINGZHONGGONGPINGJINGZHENG, CUJINJINGZHENGJIZHIZAIDIANZIZHIFUSHICHANGZHONGFAHUIZUOYONG。CONGMUQIANDIANZIZHIFUDESHICHANGHUADAOXIANGLAIKAN, ZHIFUJIESUANLINGYUYIJINGDAPOLEYINXINGDEZHUANYINGQUAN, YINXINGZHIWAIDEFEIJINRONGZUZHIJIGOUYEKEYICONGSHIZHIFUYEWU, DUICONGSHIDIANZIZHIFUDEFEIJINRONGFUWUJIGOUYINGJIYUYUJINRONGJIGOUXIANGTONGDEJINGZHENGTIAOJIAN, BUGUANSHIZAIGUIZEZHIDINGHAISHIZAIZHIFAGUOCHENGZHONG, DUIBUTONGDEZHIFUZHONGJIEJIGOUYINGGONGPINGDUIDAI, SHIQISHOUDAOFALVDETONGDENGBAOHU, YIBIANZAIZHIFUJIESUANXINGYEZHONGXINGCHENGGONGPINGJINGZHENGDESHICHANGZHIXU。

                            星云棋牌官网下载   MUQIANFALVGUIDINGDUIDIANZIZHIFUQIYEZHUCEZIBENJINYAOQIUJIAOGAO, ZHONGXIAOQIYEHENNANJINRU, ERFUHEQUANGUOXINGZHIFUYEWUZHUCEZIBENYAOQIUDEYEZHISHISHAOSHUJIJIA (1) .JIAZHI, DIANZIZHIFUXINGYE"YINGJIATONGCHI"DETEDIAN, YIJINGXINGCHENGLEDIANZIZHIFUXINGYEDELONGDUAN。YINCI, YINGJIANGDISHICHANGZHUNRUMENJIAN, JIANLIGONGPINGJINGZHENGDESHICHANGZHIXU。

                            星云棋牌官网下载   (SI) FALVGUIZHIDEKUANGJIA:ZHUTI-XINGWEI-ZEREN

                              DUIDIANZIZHIFUJINXINGFALVGUIZHI, YINGYANZHEZHUTI-XINGWEI-ZERENDESILUZHANKAI, LIQINGDIANZIZHIFUFALVGUANXI, MINGQUEDIANZIZHIFUZHONGZHUTIDEFANWEIHEZIGE, GUIFANDIANZIZHIFUCANYUZHEDEXINGWEI, DUIDIANZIZHIFUYEWUCAOZUODEFENGXIANZERENJINXINGFENPEI。

                              DIANZIZHIFUFALVGUANXIZHONGSUOSHEZHUTIZHONGDUO, KEWEIFENFANFUZA。ZHEIXIEZHUTIZHIJIANHUOZHESHIPINGDENGDEFALVGUANXI, HUOZHESHIBUPINGDENGDEFALVGUANXI。PINGDENGZHUTIZHUYAOZHIJIESHOUZHIFUJIESUANFUWU、CANJIAJINRONGZHIFUHUODONGDEJIGOUHEGEREN, BAOKUOTIGONGJINRONGZHIFUFUWUDEJINRONGQIYEHEFEIJINRONGQIYE, RUDISANFANGZHIFUQIYEYIJIJINRONGXIAOFEIZHE。GUANLIZHUTIBAOKUOZHIXINGGUOJIAJINRONGJIANDUGUANLIZHINENGDEJINRONGJIANGUANJIGOUHESHISHIJINRONGYEZILVGUANLIDEZHUTI, RUJINRONGQINGSUANJIGOU。DUIDIANZIZHIFUZHUTIDEFALVGUIZHIZHUYAOJIZHONGZAISHICHANGZHUNRUHEJINRUHOUDEZUZHIJIANDUGUANLISHANG, SHEJIZHUTIDIWEIDEJIEDING、ZIGEXUKE、YEWUFANWEIDENG。YIXIEWANGLUOFUWUSHANGZAIDIANZIZHIFUJIUFENZHONGDEFALVDIWEIBUMING, NEIMEQIJIUFENFASHENGHOUZERENYEHUIBUQING, ZHEIBIRANHUIYINGXIANGDANGSHIRENQUANLIDEJIUJIHEBAOZHANG。YINER, SHOUXIANYINGDUIZHUTIDEFANWEIHEDIWEIJIAYIMINGQUE。QICI, MUQIANZHUTIZIGEDEQUDEQUEFATONGYIDEBIAOZHUN, YINGSHEZHITONGYIDEZHUNRUZHIDU, ZAIPINGDENGGONGPINGJINGZHENGDEQIANTIXIASHISHIZIGEXUKE。CIWAI, DUIZHUTIDEYEWUFANWEIYEYINGJINXINGMINGQUEDEGUIDING。

                            星云棋牌官网下载   DIANZIZHIFUZHONGDEXINGWEISHICANYUZHUTIWEIDACHENGZHIFUMUDEERSHISHIDEGEZHONGJINRONGFUWUXINGWEI。DIANZIZHIFUDEJISHUXINGTEZHENGJUEDINGLEFALVYINGDUIZHEIXIEJINRONGZHIFUXINGWEIYOUYANGEDEYAOQIU, "BIXUANZHAOYANGEDEJINRONGJISHUGUIFANHECAOZUOGUIFANJINXING。"DUIDIANZIZHIFUZHONGDEXINGWEIJINXINGGUIZHI, BIXUFANGZAIQUANLIYIWUDEKUANGJIAXIAJINXINGGUIZHI, HELIPEIZHIYUQIJIAOSEXIANGPIPEIDEQUANLIHEYIWU, BINGYIJUQUANLIJIUJIYUANLIDUIFALVZERENJIAYIGUIDING。ZAIDIANZIZHIFUZHONGYAOMINGQUEJINRONGJIGOU、FEIJINRONGJIGOUYUKEHUZAIWEIHUANQUANSHIDEQUANLI、YIWU, YIJIZAICHUXIANFENGXIANSHISUOYINGDANGCHENGDANDEFALVZEREN。ZAIMINSHIZERENZHONG, YOUQIDUIGUIZEYUANZE、ZERENCHENGDANDEFANWEIHEFANGSHIDENGDOUYINGZUOJUTIMINGQUEDEGUIDING。ZAIXINGSHIZERENZHONG, YOUQIYAOJIAQIANGDUIWANGLUOZHAPIANHEFANXIQIANDEGUIZHI。XIANSHIZHONG, YIDIANZIZHIFUPINGTAIWEIZAITISHISHIZHAPIANHUODONGJIAODUO, MUQIANFALVXIANGDUIZHIHOU, YINGZHUBUWANSHANXINXINGDIANZIZHIFUPINGTAIXIANGGUANLIFA, DUIDIANZIZHIFULINGYUJINRONGZHAPIANXINGWEIJINXINGQUANMIANGUIZHI[14].TONGSHI, YAOWANSHANWANGLUOXIQIANXIANGGUANLIFA, JIANLIXIANGDUIXITONGDEFALVTIXI, DAJIEZHIWANGSHANGXIQIANDEFANZUIXINGWEI。

                              参考文献
                              [1]秦永顺。现代银行数字化经营[M].长春:吉林人民出版社, 2005.
                              [2] 中国互联网络信息中心。中国互联网络发展状况统计报告[EB/OL]. (2017-01-31) [2017-07-14]. . cac. gov. cn/2018-01/31/c_1122347026. htm.
                              [3]杨一涛, 罗梦琳, 张治国。浅议电子支付方式[J].南昌高专学报, 2006, (2) :46-47, 50.
                              [4]齐爱民。网络金融法[M].长沙:湖南大学出版社, 2002.
                              [5]张德君, 马欣。论电子票据对传统票据法的挑战及其应对[J].中国商贸, 2014, (25) :148-149.
                              [6]陈红。电子票据法律规则研究[D].长春:吉林大学, 2013.
                              [7]庞然。电子货币对中央银行货币政策的挑战[J].商业研究, 2003, (11) :118-120.
                              [8]马思萍。电子支付的法律问题及其规制[J].金融与经济, 2006, (2) :90-91.
                              [9]黎四奇。网络银行业务对传统法律的挑战与回应[J].现代法学, 2001, (5) :73-79.
                              [10]李互武。第三方支付的金融监管研究[J].经济研究导刊, 2015, (17) :210-211.
                              [11]雷孙强。第三方网上支付法律规制探析[D].北京:中央民族大学, 2011.
                              [12]刘少军。金融法原理[M].北京:知识产权出版社, 2006.
                              [13]惠国语, 朱涛。网银电子支付的法律规制探讨[J].中国农村金融, 2011, (6) :71-72.
                              [14]种政, 郭华。非法吸收公众存款罪的认定与反思[J].兰州财经大学学报, 2018, (1) :102-109.

                              注释
                              1 商品支付就是以商品直接作为履行对价义务的支付方式。这种方式可直接以所需商品用来支付, 这是其他支付方式所不具备的。
                              2 关于电子支付的概念在理论界还有多种不同观点, 按照我国《电子支付指引》中的规定, "电子支付是指单位、个人 (以下简称客户) 直接或授权他人通过电子终端发出支付指令, 实现货币支付与资金转移的行为。电子支付的类型按电子支付指令发起方式分为网上支付、电话支付、移动支付、销售点终端交易、自动柜员机交易和其他电子支付。"
                              3 我国《支付结算办法》第6条规定:"银行是支付结算和资金清算的中介机构。未经中国人民银行批准的非银行金融机构和其他单位不得作为中介机构经营支付结算业务, 但法律、行政法规另有规定的除外。"我国《商业银行法》第2条规定:"本法所称的商业银行是指依照本法和《中华人民共和国公司法》设立的吸收公众存款、发放贷款、办理结算等业务的企业法人。"
                              4 第三方支付在我国法律规范中又称为非金融机构支付, 第三方支付企业中许多是互联网型的支付企业, 如支付宝, 快钱, 财富通等。
                              5 电子货币是否具有货币的法律属性, 有不同的观点。持肯定态度的学者认为, 电子货币具有货币的属性, 其本质是信用货币在数字信息化时代的一种新型的发展演变形式;持否认态度的学者认为, 电子货币是以法偿货币为基础衍生出来的应用于支付结算体系中的新型支付工具, 并不具有货币的法律属性。
                              6 欧盟对电子支付采取了较为严格的监管, 针对电子货币进行立法, 颁布了一系列法律文本来指导欧盟各国的电子支付, 在立法上更多的追求安全的价值;美国并未对电子货币进行专门的立法, 允许非银行机构发行各种支付工具, 如储值卡, 并且将其看作债务而非储蓄, 可见美国对电子支付的立法态度较为宽松, 更多追求的是效率。
                              7 目前在电子支付领域的法律主要有《电子支付指引 (第一号) 》、《电子银行业务管理办法》、《非金融机构支付服务管理办法》、《非金融机构支付服务管理办法实施细则》等, 多是由中国人民银行和中国银行业监督管理委员会制定的部门规章, 立法层次较低。
                              8 《非金融机构支付服务管理办法》第九条规定:申请人拟在全国范围内从事支付业务的, 其注册资本最低限额为1亿元人民币;拟在省 (自治区、直辖市) 范围内从事支付业务的, 其注册资本最低限额为3千万元人民币。注册资本最低限额为实缴货币资本。

                            点击查看金融法论文(推荐10篇)其他文章
                              相近分类:
                              • 成都网络警察报警平台
                              • 公共信息安全网络监察
                              • 经营性网站备案信息
                              • 不良信息举报中心
                              • 中国文明网传播文明
                              • 学术堂_诚信网站

                              百胜棋牌---首页_欢迎您 百灵拼三张-Welcome 蓝洞棋牌官网送3金币---首页_Welcome 035棋牌手游官网 亲朋棋牌官方下载完整版-首页