论第三方支付下洗钱行为的法律规制研究

发布时间：2018-01-07 03:16

本文关键词：论第三方支付下洗钱行为的法律规制研究　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：伴随着电子商务的发展,第三方支付毫无疑问地成为了21世纪时代“新宠儿”,其发展速度迅猛,使用群体庞大,已经是人们工作、学习、生活中不可或缺的一部分。人们可以在第三方支付平台上完成充值、转账、贷款、理财、生活缴费、信用卡还贷、购物等交易活动,平台上的电子货币是可以和现实生活中的货币进行等额兑换的。第三方支付的发展给人们的生活带来了极大的便利,提高了人们的日常交易效率。但是,作为社会进步的新兴产物,其固有的内在漏洞也被图谋不轨的犯罪分子所利用。利用第三方支付平台来洗钱就是其中一个非常典型的例子,但是我国却没有成熟的法律法规去规制这些洗钱行为,犯罪分子利用这些法律空白为所欲为,滋生腐败之风,给国家的管理带来了极大地挑战。本文在阐述第三方支付的性质基础上,分析了利用第三方支付洗钱与传统的洗钱方式的不同,根据第三方支付的特殊性表明了我国刑法关于洗钱罪存在立法缺陷和不足,并针对性地提出了关于我国第三方支付反洗钱法律制度的完善对策,以求构建一个以《反洗钱法》为基础,《刑法》为保障的多层次立法,以便与国际上的反洗钱监管规则相接轨,加强我国对网络洗钱行为的监管和控制。
[Abstract]:With the development of electronic commerce, third party payment is undoubtedly the twenty-first Century era "new pet", the rapid pace of development, the use of large groups of people, is already working, learning, an integral part of life. People can in the third party payment platform to complete recharge, transfer, loan, financing, payment of life shopping, credit card payments, and other transactions, electronic money on the platform can be in real life money equal exchange. The development of the third party payment brings great convenience to people's life, improve the people's daily transaction efficiency. However, as a new product of social progress, its intrinsic vulnerability the plot to be used by criminals. The third party payment platform to money laundering is one of the most typical example, but China has no legal regulation to mature The money laundering, criminals use these legal gaps like, corruption of the wind, has brought great challenges to the management of the state. In this paper, the nature of the third party payment on the basis of analysis of the third party payment and money laundering and the traditional way of money laundering, according to the special nature of the third party payment that I the criminal law on the crime of money laundering legal defects and deficiencies, and puts forward the Countermeasures of the third party payment in our country legal system of anti money laundering, in order to build a "Anti Money Laundering Law > < > as the basis, criminal law for multi-level legislation, in order to integrate with the international anti money laundering supervision the rules, strengthen supervision and control of the network of money laundering in China.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281

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