非法第四方支付平台的金融风险及治理对策  

The Risk Analysis of Illegal Fourth-Party Payment Platform and Countermeasures

作　　者：徐鹏[1] XU Peng(Zhejiang Police College,Hangzhou 310053,China)

机构地区：[1]浙江警察学院侦查系,杭州310053

出　　处：《北京警察学院学报》2021年第2期89-94,共6页Journal of Beijing Police College

基　　金：公安部公安理论及软科学研究计划项目“突发性公共安全卫生事件中经济犯罪防控体系的构建——基于犯罪大数据的实证研究”(RKX20209765);浙江省社科联研究课题“大数据视域下浙江省突发性公共卫生事件中经济犯罪防控对策研究”(2021N49);浙江警察学院校级科研项目“第四方支付平台的刑事风险及防控对策研究”(2020XJZ002);浙江省高等教育“十三五”第二批教学改革研究项目“面向混合式教学的在线课程建设实证研究——以‘经济犯罪侦查’课程为例”;2021浙江省教育科学规划课题“人工智能视域下经侦大数据人才培养模式研究”。

摘　　要：非法第四方支付平台包括企业商户型、个人账户型、错配交易型、私接通道型四种资金运作模式。这一非法支付平台严重扰乱了国家金融秩序,沦为新型的洗钱犯罪工具,并引发网络平台诈骗犯罪,严重损害了社会诚信体系,危害性极大。由于第四方支付行业准入门槛低,收益高,第三方支付机构管控缺位,社会公众风险防范意识薄弱,打击治理此类非法支付平台难度较大。为了有效治理非法第四方支付平台,应构建并完善第四方支付监管制度,完善第三方支付合规建设,进一步加强法制宣传教育。Illegal fourth-party payment platforms include four types of capital operation modes:operation by corporate merchant account,personal account,mismatch transaction,and private channel.This illegal payment platform seriously disrupts the national financial order,becomes a new tool of money laundering crime,leads to the crime of fraud on network platform,and damages the social credit system,which is extremely harmful to the society.It is difficult to crack down on such illegal payment platforms,because the entry barriers into the fourth-party payment industry are low and returns are high,and there is a lack of control by third-party payment institutions with weak public awareness of risk prevention.In order to effectively control illegal fourth-party payment platforms,it is necessary to build and improve the fourth-party payment supervision system,improve third-party payment compliance construction,and strengthen the propaganda and education of legal system.

关 键 词：第四方支付平台 资金运作模式 风险 治理 

分 类 号：D922.28[政治法律—经济法学]