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2013年被称为互联网金融元年,2014年被称作互联网金融“监管”元年,“监管”二字之差,体现了政府开始着手规范互联网金融业态。从本质上来讲,监管是一种法律行为,规范要体现法治精神,所以,认清互联网金融背后的法律问题十分必要。互联网金融重构传统金融对支付清算市场的重构。第三方支付的崛起,不能简单认为颠覆银联,取代银联。第三方支付与银联是互补共存的关系。由于第三方支付存在法律欠缺,导致第三方支付机构的权利与责任范围不明确。一方面,部分第三方支付机构因法律
2013 was called the first year of internet finance, and the difference between the first year of internet finance and the first year of “regulation” and the “regulation” of 2014 shows that the government started to regulate the format of internet finance. In essence, regulation is a legal act, norms should reflect the spirit of the rule of law, so it is necessary to recognize the legal issues behind Internet finance. Reconstruction of Payment and Settlement Market of Traditional Finance by Internet Finance. The rise of third-party payment, can not simply think of subversion UnionPay, to replace the UnionPay. Third-party payment and UnionPay are mutually complementary relations. Due to the lack of legal knowledge of third-party payment, the scope of rights and responsibilities of third-party payment agencies is not clear. On the one hand, some third-party payment agencies are due to law