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进入21世纪以来,随着互联网与金融业的深度融合,预示着互联网金融时代的到来。然而,由于我国立法的缺失和该行业的特殊性,互联网金融业在发展的过程中面临着不少难题和挑战。本文以第三方支付平台为例,分析问题的来源,借鉴美国和欧盟的监管模式,提出相应的解决措施。
Since entering the 21st century, with the deep integration of the Internet and the financial industry, herald the advent of the Internet financial era. However, due to the lack of legislation in our country and the particularity of the industry, the Internet finance industry faces many difficulties and challenges in its development. Taking the third-party payment platform as an example, this paper analyzes the source of the problem, draws lessons from the regulatory model of the United States and the EU, and proposes corresponding solutions.