제4차 산업혁명 시대 중국 모바일결제시스템의 운용제도에 관한 연구

Abstract

The outbreak of every industrial revolution in the world, both in science and technology and in the economy, has brought tremendous impetus to the development of the world and created a new order in the world. The fourth industrial revolution is based on the industrialization of Internet, the intellectualization of industry and the integration of industry as the representatives, decided the future direction of the world. Third-party payment(Escrow) is an advanced means of payment to promote the rapid development of the fourth industrial revolution currently. Third-party payment is accompanied by the development of e-commerce, at first in serving the e-commerce, ease the difficult in e-commerce payment. It originated in the United States at first, the first third-party payment company of the world birthed in 1996, followed by Yahoo! PayDirect, A!NazonPayments and PayPal have set up. PayPal company was founded in 1998 in order to make up the shortage of the field of e-commerce that the commercial bank can not cover the deficiencies of individual purchase business.

In China, PayEase company was established in 1998, declaring the birth of China's first third-party payment. In 2004, the establishment of Alipay completely opened the market of China's third-party payment and e-commerce, it laid a solid foundation for the popularization of mobile payment and e-commerce later.

Mobile payment is operated by an independent third party, providing the services of the bank pays and settlement system’s interface and channel, and the services of funds-transfer and online payment and settlement. In recent years, the mobile payment industry in China has rapidly developed and went ahead of most countries in the world. Alipay, Tenpay and other major mobile payment companies expanded the scale of more than 100% speed each year. In China, mobile payment is closely related to people's livelihood currently, and almost everyone's life is inseparable from mobile payment. Since mobile payment is of vital interest to every consumer, it has become an important research object for current scholars. As the mobile payment is a new-born product and there is no experience to learn from, this has led to the formulation of laws and management has been at a groping stage. The lag of legislation has led to management difficulties, and it also brings with a wide range of economic crimes, making it difficult to supervise and manage.

This article starts with the generation of mobile payment. Through the understanding of the basic concepts and attributes of mobile payment, we have a real understanding of the essence of mobile payment. The third party payment, to a great extent, is to use the commercial bank's rights. However, The People's Bank of China defines it as a non-financial payment institution, so that it will not be supervised by the CBRC, and the lack of regulation has led to great risks and controversies in the development of mobile payment. mobile payment is increasingly diversified in its development in recent years. More and more industries have been infiltrated, leading to endless problems. Look from the national level, it threatens the financial security of the entire country. Look from the individual level, it threatens personal interests. Therefore, the government should strictly control and standardize the access and exit mechanisms of the mobile payment industry so as to prevent the entry of unqualified market participants. In addition, mobile payment agencies also need to protect their services in the event of offenses such as crimes, they can stop or even terminate their services. mobile payment of the relevant law level is too low, resulting in only industry rules and regulations can be followed, without a special industry laws to the constraints of its future development there are hidden dangers; compared to Europe and the United States, China's access threshold is too high is not conducive to mobile payment industry competition and innovation; in the e-commerce transactions arising from the ownership of the issue, a serious impact on the safety of funds, and will result in the loss of customer interests; there are also the use of mobile payment platform for money laundering and cash advances and other issues, there is also a big risk to the security of personal information. By contrasting the systems of developed countries, this regulatory system in China urgently needs reform through legislation to clarify the essence of mobile payments and the regulatory agencies, and to put an end to future hidden dangers in the system.

Mobile cross-border payments also face legal and regulatory imperfections, as well as personal information disclosure and avoid personal foreign exchange restrictions and other issues, mobile cross-border payment is different from the domestic mobile payment. mobile cross-border payment has its own special essence. Payments between countries are made by mobile payment agencies. Nowadays, the utilization rate of cross-border online shopping will be higher and higher, and the regulation and restriction of cross-border third party payment will good for its healthy growth. Since the establishment of the network platform in China this year, Internet platform operation is equivalent to the banking UnionPay. It has played a great regulatory role in the regulation of mobile payment, and has alleviated the current regulatory deficiencies and it has the important significance. South Korea's current mobile payment industry is also rapidly developing, South Korea has a strong personal credit system, the development of mobile payment is quite standardized, China should also be through mobile payment of personal information combined with the bank's personal information to establish a national personal credit mechanism to make mobile payments truly a safe, convenient and efficient method of payment.