重庆社会科学

第三方支付技术的出现打破了传统的金融支付方式,在给人们带来便利的同时也给金融体系的安全运行带来挑战。由于第三方支付洗钱这一新型犯罪形式具有高隐蔽性、高技术性、低风险性、跨地域性等特征,进而造成第三方平台上以自我关联的虚假交易、利用技术漏洞境外转移资金、利用监管空白漏洞非法套现等洗钱风险;而我国现有法律法规滞后、平台责任缺位与运行失范、侦查和取证困难、信息交流与合作不足等问题,给我国的反洗钱工作带来了极大困难。为此,应当从我国第三方支付洗钱的现实出发,健全相关法律法规体系,完善侦查方式和举报奖励体系,加强国内与国际的信息交流合作机制建设等措施,强化第三方支付的反洗钱监管,才能降低第三方支付洗钱带来的各类风险,遏制利用第三方支付技术实施洗钱犯罪的新趋势。

The emergence of the third-party payment technology breaks the traditional financial payment mode, brings convenience to people, but also challenges the safe operation of the financial system. As a new type of crime, the third-party payment money laundering has the characteristics of high concealment, high technology, low risk and cross regional, which leads to the risk of money laundering on the third platform, such as the self-related false transactions, the use of technology loopholes to transfer funds abroad, the use of regulatory loopholes and illegal cash arbitrage. However, the existing laws and regulations in China lag behind, the lack of platform responsibility and operation anomie The difficulties in investigation and evidence collection, the lack of information exchange and cooperation and other problems have brought great difficulties to China's anti money laundering work. Therefore, in order to solve all kinds of risks brought by the third-party payment and money laundering, we should start from the reality of the third-party payment and money laundering in China, improve the relevant laws and regulations system, improve the investigation method and the report and reward system, strengthen the construction of information exchange and cooperation mechanism at home and abroad, and strengthen the supervision of the third-party payment and anti money laundering, so as to curb the use of the third-party payment technology to implement money laundering The new trend of crime.