论文总字数：22061字

摘 要

随着金融科技领域的创新式发展，传统货币领域也出现了新的变革，当前我国移动支付的普及化正在影响着社会生活的方方面面，数字货币作为一种全新的货币形式逐渐出现在大众面前。第三方支付平台是数字化背景下金融科技快速发展的产物，其作为交易的中间平台为各种经济实体提供了便捷化的服务，也为资金的流动性能开拓了新的渠道。但是，数字货币的大发展也对支付平台业务体系提出了全新的挑战。因此如何在数字货币推进背景下构建系统化支付平台业务监管机制，以提高第三方支付平台的安全性已经成为一个需要解决的问题。

首先，本文通过对数字货币以及当前支付平台业务发展现状的全方位了解和研究。在第二章结合了国内外相关领域的研究对数字货币以及支付平台进行概念的界定和分类，对当前数字货币和支付平台发展现状进行研究并提出其在发展中存在的问题，认为数字货币的发展对支付平台监管有利的同时也存在一定的弊端。

其次，在第三章明确了当前支付平台的问题主要体现在支付平台沉淀资金和监管法律体系化问题上，指出该问题成因在于我国支付平台监管中对沉淀资金的监管不足，没有在法律上确定其收益的归属；在监管法律体系方面，结合现有法律制度，本文认为当前我国存在支付平台监管法律位阶不高等问题。第四章在深入探讨前章问题的基础上对支付平台业务风险成因进行分析，认为问题成因一方面是来自于数字货币本身的风险，存在发行风险较高、价格波动较大等问题；另一方面主要是支付平台经营管理的风险，并从支付企业和资金角度进行深入剖析。

最后，在第五章论述了美国和欧盟对第三方支付平台的法律监管实践，美国建立了功能性的支付监管机制，把监管的侧重点主要放在交易过程中；而欧盟则建立了单独的数字货币监管体系。之后在第六章针对当前我国支付平台监管问题，结合欧美监管实践，提出我国一方面要建立数字货币支付平台监管框架，明确监管准则；另一方面要制定数字货币支付平台监管制度，形成完善的数字货币监管体系的建议。

关键词： 数字货币；支付平台；监管

Research on the Supervision of Payment Platform Business under the Background of Sovereign Digital Currency Promotion

Abstract

With the innovative development in the field of financial technology, new changes have also appeared in the traditional currency field. At present, the popularization of mobile payment in China is affecting all aspects of social life. As a new form of currency, digital currency has gradually appeared in front of the public. The third-party payment platform is a product of the rapid development of financial technology in the context of digitalization. As an intermediate platform for transactions, it provides convenient services for various economic entities and also opens up new channels for the flow of funds. However, the great development of digital currency has also brought new challenges to the payment platform business system. Therefore, how to build a systematic payment platform business supervision mechanism under the background of digital currency promotion to improve the security of third-party payment platforms has become a problem to be solved.

First of all, this article through a comprehensive understanding and research on the current development of digital currency and the current payment platform business. In the second chapter, combined with domestic and foreign research in related fields, the concept and definition of digital currency and payment platform are defined, and the current development status of digital currency and payment platform is studied and the problems existing in the development are put forward. While development is beneficial to the supervision of payment platforms, it also has certain drawbacks.

Secondly, in Chapter 3, it is clear that the current payment platform problems are mainly reflected in the payment platform deposit funds and regulatory legalization. Through the relevant research on the deposit funds of the payment platform, it is pointed out that the cause of this problem lies in the insufficient supervision of the deposit funds in the supervision of the payment platform in China, and the attribution of its income has not been legally determined. It is believed that there are problems in China that the legal level of payment platform supervision is not high and the supervision laws have not been systematic. The fourth chapter analyzes the causes of the payment platform business risk based on the in-depth discussion of the problems in the previous chapter. It is believed that the cause of the problem is the risk from the digital currency itself. There are problems such as high issuance risk and large price fluctuations. Mainly the risk of payment platform operation and management, and in-depth analysis from the perspective of payment companies and funds.

Finally, Chapter 5 discusses the legal supervision of third-party payment platforms in the United States and the European Union. The United States has established a functional payment supervision mechanism, focusing its supervision mainly on the transaction process; while the European Union has established a separate Digital currency supervision system. Afterwards, in Chapter VI, in view of the current China's payment platform supervision issues, combined with European and American regulatory practices, it is proposed that China must establish a digital currency payment platform regulatory framework and clarify the regulatory guidelines on the one hand; Recommendations for the digital currency regulatory system.

Keywords: digital currency ；payment platform ；supervision

目录

摘要 I

Abstract II

第一章 引言 1

1.1 研究背景 1

1.2 研究的目的与意义 1

1.3 研究框架和研究方法 2

1.3.1研究框架 2

1.3.2研究方法 2

第二章 文献综述 3

2.1主权数字货币的相关研究 3

2.1.1对主权数字货币的概念界定 3

2.1.2对主权数字货币的展望 3

2.2支付平台业务的现状、问题等相关研究 3

2.2.1支付平台发展现状 3

2.2.2支付平台发展存在的问题 4

2.3数字货币与支付平台业务的相关研究 4

2.4本章小结 4

第三章 数字货币推进背景下支付平台监管存在的问题 5

3.1 沉淀资金问题 5

3.1.1第三方支付平台中沉淀资金的类型 5

3.1.2 沉淀资金收益的归属 6

3.1.3沉淀资金的法律监管 7

3.2 监管法律体系化问题 7

3.2.1 监管法律位阶不高 7

3.2.2 监管法律难成体系化 8

3.3本章小结 9

第四章 数字货币推进背景下支付平台业务风险成因分析 10

4.1 来自数字货币的风险 10

4.1.1发行风险较高，投资者自身合法权益难以保障 10

4.1.2价格波动较大和金融诈骗 10

4.1.3监管框架不完善，存在法律漏洞 11

4.2来自支付平台的经营管理风险 11

4.2.1从支付公司角度 11

4.2.2资金角度 12

4.3 数字货币推进背景下支付平台监管问题分析 13

4.3.1监管体制混乱 13

4.3.2不完善的法律制度 13

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